Before We Get Started...
Choosing a Mortgage Lender You can choose between credit unions, banks, or mortgage brokerages. We have an in-house mortgage broker to help you out. Brokerages get lenders to compete for you, but using a bank you trust is fine too.
Get Pre-Approved Get pre-approved with your chosen lender to avoid surprises. Pre-approval requires proof of employment, income and debt verification, and a credit check. This helps you negotiate the terms of your mortgage.
Lock in your Rate! Pre-approval locks in the current lowest rate for up to 120 days. If rates decrease, you get the new low rate. If rates increase, you're protected. You can house hunt with confidence.
The Process...
Getting to Know You Finding the perfect place requires insight into what matters to you. We'll have a lot of questions for each other to ensure we’re on the same page.
Your Criteria Work on the exercises in this guide and discuss any differences. Being aligned is crucial for a successful search.
Searching with Your Criteria Viewing various properties is essential for understanding market value and making informed decisions.
Professionalism I protect your financial well-being with solid contracts and keen attention to detail, catching omissions and mistakes.
Negotiating I’m tenacious but not afraid to walk away, often causing sellers to reconsider. I will never jeopardize your financial position to close a deal.
After the Offer I ensure deadlines are met and conditions fulfilled, renegotiating if necessary, until you have your keys and are happily moved in.
Making the Offer...
Determine Market Value Research comparable recent sales, considering location, size, condition, and days on the market.
Preparing the Offer An offer includes price, conditions like financing and inspection, and a closing date. Simpler offers with fewer conditions can be more attractive to sellers.
Negotiations I’ll present the offer to the seller, either directly or electronically. Docusign makes counteroffers convenient.
Acceptance Once all parties agree, the offer is signed. The sale is conditional on meeting inspection and financing conditions, typically within 5 business days. If satisfied, the sale becomes firm!