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Finding a home
Your needs
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The price range
Finding listings
Looking at property

The buying process
The right home
Making an offer
The right price
Earnest money
Closing process
Finalizing the sale
Making the move

The Buying Process.

Making the offer:  In today's real estate market, you have to be prepared to make an offer when you find a property that meets your needs. Time and time again we've received reports of multiple offers being made on a listed property. Some buyers deciding to wait a few days only to lose the home that they really wanted to another qualified buyer. In many market areas, well priced homes are selling within 21 days. When you find the home you like, sit down with your agent and make the seller an offer. Your agent will help you complete the standard real estate contracts. In some areas, attorneys are used in preparing the offer. In any case, your agent can help you with; the offering price, seller paid concessions, inspection requirements, closing date, possession, etc. Let your agent translate your desires to the seller.

The Right Price:  The most important item in your offer is the price you pay for your new home. If you're working with a buyers agent, your agent will help you determine what the property is worth. In many cases your agent will do a CMA (competitive market analysis) to show you what other similar homes in the area has sold for. If the seller has hired a professional agent, the asking price may be right on target. In that case you may not be able to purchase the home for less than the asking price. On the other hand, if the CMA reveals that the asking price is high, you will want to offer a lower price If you decide to view the home with the listing agent, the agent is obligated to represent the seller and will try to convince you that the property is worth what the seller is asking and try to get you to offer the listed price.  Top

Earnest Money:  When you make your offer, you'll need to give your agent an earnest money deposit. Although earnest money is not required in many states, it shows the seller that you are serious about your decision to purchase their home. The amount often used is 1% of the offered price. Earnest money is credited towards your purchase, and is usually refundable in the event that you; can not secure financing, the property fails inspection, the seller is not able to perform according to the agreement.  Top

Closing Process:  Once your offer is accepted, the closing process begins. Your agent will monitor the entire closing process and help you keep your contractual obligations. In most cases there are approximately 70 people involved in the home purchase process. Your agent will keep in touch with most of the people involved and make sure that everything is accomplished in a timely manner. You will have to make sure that your appraisal is ordered and that you complete your property inspection in the allotted time.   Top

Finalizing the Purchase:  When it's time to close on your home, the closing agent will notify you of the funds required to finalize your home purchase. Some areas use attorneys while other use abstract or title companies, in any case, the closing agent will finalize the paperwork and insure that the real estate property is transferred in your name. There's a lot that has to happen during the closing process so be patient and look forward to your move.  Top

Making Your Move:  Before you make firm moving plans, check with your agent to insure that everything is on schedule. You may want to allow yourself a couple of extra days for cleaning, minor preparation, or other delays that can hinder you from moving into your new home.  Top

Purchasing a home is a very rewarding accomplishment. We hope that you find the information we've provided useful.  Top

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