For Buyers
I strive to make your buying experience an enjoyable chapter in your life. I will provide you with knowledge and experience that you deserve. What to do when you are ready to buy a house?
Here's my offer, a 8 step process that covers majority of the transactions. Buying a house is not an easy task. It could be uneasy and nerve wrecking. That is why she emphasizes to alleviate uneasiness and nerve wreckness. I will be at your service from start to finish.
Below is your 8 step process to home ownership:
Step 1: Getting Ready
This is the most important step of all.
Without this, you do not have proper foundation for successful home buying.
It is utmost important to find out whether you know what you want, realize what you can afford, and in some cases depending on the situation have money to finance the transaction if necessary.
I can assist you in realizing and jumping over this hurdle.
Step 2: Ask Me for Help!
I'm here to HELP. This is the bottom line.
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There are 2 million people in the United States that have earned real estate license. How do you choose?
You need somebody that will HELP you and assist you throughout the transaction, not just somebody that looks at you and sees commission.
I have the experience and training to HELP and to ASSIST clients in finding a house, contract terms and financing options, inspection requirements, pricing and negotiating, closing and even AFTER CLOSING matters.
Many agents are done once closing occurs. I'm not. I'm committed to you for life.
Step 3: Get Pre-Approved
It is very important to secure financing for house that you are about to buy. Money Matters – the most important part of financing is your knowledge of the options available.
Consider the following questions as a basis for determining your financing needs.
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How much mortgage can I afford?
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What down payment is needed?
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What is the difference between pre-qualification, pre-approval and approval?
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What interest rates are available?
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What is mortgage insurance and is it required?
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What type of documentation will I need?
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How do 15- vs. 30-year terms compare?
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What are points and do I pay them?
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What is difference between a fixed rate mortgage and adjustable rate mortgage?
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What closing costs will I incur?
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What is being locked-in?
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How long will the mortgage process take?
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What is included in a mortgage payment?
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What would the payments be?
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When would the payments begin?
Make Your Mortgage The Right Fit!
Step 4: Finding a Home
Once financing had been established, it is time to look for a home.
I will help you with finding the right house for you. I'll find you to what you need and what you are looking for, and will match the criteria provided to find a house that you want. With good communication and good relationship, we are bound to find the house that’s right for you.
Each of us is different and it is important to list features and benefits you want in a home. I will help you consider such features and will assist you in making the decisions. There will be times when you will be asked whether you’d like fewer bedrooms for bigger kitchen, or longer commute for bigger house, etc.
As your agent, I will help you consider such features and will assist you in making the decisions.
Step 5: Making an Offer
After house is located and it fits your criteria, I will help you prepare an offer.
Usually, people are the most concerned with the price that they will be paying for the house. Along with the price, Urban Gate Realty Group clients are advised to look at other things when making an offer such as terms of the offer.
Terms are extremely important in an offer as it could amount to be several thousands of dollars if overlooked. How much to offer is the biggest questions. It should depend on basic laws of supply and demand. If supply is high and demand low, offer could go under asking price as competition among sellers is high.
In other hand, if supply is low and demand is high, seller might get full or above asking price as seller’s competition is low. I will help through this process and explain what type of market we are in.
Step 6: Under Contract Period
Under contract period is a time when transaction between buyer, seller, listing agent, selling agent, Title Company, Mortgage Company has begun.
There are several tasks to consider and make sure that everything is coordinated so that everyone is on the same page.
I'm trained to handle multiple tasks and to HELP and ASSIST clients through the process. I will make sure that all tasks are completed successfully and timely during under contract period.
Step 7: Closing
Once under contract period has all tasks completed and fulfilled, it is followed by the closing.
This is where all parties are present and conveyance of deed (transfer of ownership) occurs with everybody’s signatures.
It is then when I as your agent checks everything ahead of the closing to make sure that everything falls in place. I will be with you at the closing to ensure final numbers and terms are met.
When everybody signs appropriate documents, and funds are disbursed, closing is done and ownership is transferred.
Step 8: Enjoy Your New Home
You are done and you have done it.
You have completed all the steps necessary to buy a house. Together you and I have successfully completed the process. You have quite few more things to do before you can completely relax.
Some of those things are switching/turning utilities on, moving in, etc. Of course, I'm at your service after closing as well to answer some of the unanswered questions, and to HELP and ASSIST even further.