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Buying Process
Know Your Buying Power
Understanding your true budget is the foundation of a successful home search. We’ll help you assess your income, monthly expenses, and debt to identify a comfortable price range — not just what the bank approves, but what truly fits your lifestyle.
It’s also the right time to check your credit. A strong score can unlock better mortgage options, but even if your credit isn’t perfect, there are programs available — and we’ll help you explore them.
Connect With a Trusted Lender & Secure Pre-Approval
Choosing the right lender is a key part of your buying journey — their professionalism, speed, and communication can make or break your path to closing. We work closely with a trusted network of experienced lenders and are happy to connect you with someone who fits your needs and timeline.
Once you’ve selected a lender, they’ll guide you through the pre-approval process. Be prepared to provide documentation such as bank statements, proof of income, employment history, and other financial details. They’ll also run your credit to assess eligibility — a standard and essential part of getting you fully pre-approved.
With this step complete, you’ll be in a strong position to shop with confidence and submit competitive offers.
Define Your Must-Haves
This is where your vision comes to life. We’ll work together to identify your priorities — location, lifestyle, layout, amenities — and focus your search around what matters most to you. Whether it’s a turnkey property or a hidden gem with potential, we’re tuned in to what fits.
Start the Search
Refine Your Home Search with Clear Criteria
With your criteria and pre-approval in hand, we begin the fun part: touring homes. You’ll get access to curated listings, private showings, off-market opportunities, and expert insights to help you see the potential in each property — and spot red flags before they become regrets. Here are some key areas to consider:
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Location:
Identify the neighborhoods or areas that best suit your lifestyle. Consider factors like proximity to work, schools, amenities, and where your friends or family live.
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Property Type:
Decide which type of home fits your needs—single-family house, condo, townhouse, etc. Each option comes with its own set of advantages and trade-offs, so evaluate them carefully.
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Features & Amenities:
Create a list of must-haves versus nice-to-haves, giving priority to your non-negotiables.
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Home Search Process:
Visit open houses, browse online listings, and spend time exploring neighborhoods to get a feel for what’s available and what appeals to you.
Make a Strategic Offer
When the right home appears, we move fast — but never carelessly. We’ll guide you through the offer process with a custom strategy based on local market trends, pricing data, and your goals. Our mission is to help you stand out and win, without overpaying.
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Negotiation:
Collaborate with your real estate agent to craft a competitive offer. Your agent will conduct a comparative market analysis to help determine the home’s fair market value, giving you confidence in your pricing strategy. Be prepared for some back-and-forth on price, contingencies, and other key terms.
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Offer Acceptance:
Once both parties reach an agreement and sign the contract, the offer becomes legally binding—and important deadlines and timelines officially begin.
Navigate Escrow & Due Diligence
Once your offer is accepted, we help you manage every next step — from inspections and negotiations to appraisal and financing. As your Designated Buyers Agent, we can recommend a licensed, insured, and reputable inspector. It’s completely normal for the report to note some issues—no home is flawless. Review the findings thoughtfully, ask questions, and lean on your agent and inspector for clarification.
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Secure Your Financing:
Beyond Preapproval: Getting preapproved was just the first step. Now it’s time to complete the financing process and lock in your mortgage.
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Mortgage Application & Documentation:
Your lender may request additional financial documents to finalize your loan commitment. Be prepared to respond promptly to keep things moving smoothly.
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Home Appraisal:
Once your formal mortgage application is submitted, the lender will order a property appraisal to verify its market value. If the appraisal comes in lower than the purchase price, you may need to revisit negotiations with the seller.
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Underwriting Process:
During underwriting, the lender thoroughly reviews your financial profile, the appraisal report, and all supporting documentation to ensure the loan meets their criteria before issuing final approval.
We keep the process clear, timelines on track, and surprises to a minimum.
Close & Celebrate
We’ll be there with you at the finish line — reviewing documents, handing over the keys, and making sure everything feels seamless. Here is what to expect on closing day.
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Closing Attorney & Title Work:
In most cases, the buyer selects the closing attorney, though in some situations the seller may choose. The attorney will conduct a title search to confirm clear ownership and will secure title insurance for both you and your lender. These services will appear as line items on your settlement statement.
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Closing Costs:
Be prepared for a variety of closing costs, which may include loan origination fees, discount points, appraisal fees, taxes, attorney fees, and more. Your lender or agent can provide an estimate in advance.
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Wiring Funds:
Before closing, you’ll likely need to wire funds to the attorney handling the transaction. Always confirm wiring instructions directly and verbally with the attorney to avoid wire fraud a growing and serious risk in real estate transactions.
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Settlement Day:
On closing day, arrive on time with a valid photo ID and a personal check in case of last-minute adjustments. You’ll sign multiple documents, and once everything is complete, ownership of the home is officially transferred to you. Collect your keys congratulations, you’re now a homeowner! What we take pride in as your Designated Buyers Agent is that our support doesn’t stop at closing — we’re your real estate resource for life.