Buyers

_{Choosing an Agent}

Well, hello. Selecting an agent is a highly personal decision. You trust them to advise you through one of the biggest decisions of your life. And it’s not a responsibility we take lightly. Through personal and diligent work with our clients, we’ve come to understand what’s important to them, establishing a sense of confidence and comfort.

_{The First Consultation}

Shall we begin? Now is the time we get to know you, your needs, hopes, and dreams for homeownership. From spearheading your search to providing crucial feedback along the way, your agent is your partner from start to finish, and then some. 

_{Financing Pre-Approval}

When it comes to real estate, money talks. Before you begin the search, you’ll want financing pre- approval. Pre-approval is different from pre-qualifying, as it means a full loan approval, not just an opinion letter. Determining the loan amount you qualify for will help you set your price range. Unless you’re paying in cash, of course. We’ll connect you with a mortgage broker, who’ll determine how much a bank will lend you. This process will help you understand the variety of financing options and what your down payment will be while placing you in a better negotiating position in the seller’s eyes.

_{Don’t move assets from one bank account to another}

Transfers appear as new deposits, which can complicate the application process. You’d have to disclose the source of funds for each new account. So, just skip the headache.

_{Don’t change jobs}

A new job may require a probation period before income from the new job can be considered for qualifying purposes.

_{Don’t run your own credit report}

It will show up on your lender’s credit report and need to be explained in writing.

_{Money, Money, Money}

This is where the lender verifies your funds for the down payment and closing costs.

_{Property Security}

The lender will require an appraisal by a certified fee appraiser to verify the property’s marketability, condition, and value, ensuring sufficient collateral for the loan.

_{We’re Here to Help}

Don’t worry if you don’t meet all of the guidelines. Lenders work through a variety of circumstances.

_{Home tours. We’re in this together.}

Let’s go hunting. We are always happy to preview properties so you don’t have to waste a Sunday afternoon at the wrong house. As we shop around at showings and open houses, we’ll further refine the search and adapt to your needs.

_{We’ve found it. Just like we knew we would.}

Once we’ve found the one for you, we prepare an offer.

_{Final walk-through. Now, we’re excited.}

We’re there to button up those last details.

_{Final approval from the lender.}

Big box, checked.

_{The closing. Cue music: looks like we made it.}

The last documents are signed, final deposits made, escrow closes.

_{Delivery of keys and move-in.}

We did it! Drinks are on us.