A meeting with me to align on your goals and build a game plan.

Expect to review your budget, outline your "must-haves" vs "nice-to-haves," and discuss current market conditions. We will also establish a preferred communication method and answer any initial questions.

It is always recommended to speak with a mortgage lender first but if you have not, I'll be happy to refer you to some of the nations best to interview.

Expect to gather tax returns, pay stubs, and bank statements. The lender will run a credit check and issue a Pre-Approval Letter. This matter because sellers will not take your offer seriously without this letter. 

We will actively tour active listings and visiting neighborhoods to see what feels like home.

Expect to visit a few homes and attend open houses together and separately. Beyond the house, we will discuss neighborhood vibes, traffic, parking, proximity to schools and work. All the things that impact your lifestyle.

We identify the right home and neighborhood to submit an offer.

Expect to be data driven at this point. We are going to discuss market data as it pertains to the home of your choice to determine a reasonable offer to write. 

This is where we write a legally binding contract that outlines how much you want to pay and under what conditions.

Expect to discuss your offer price, down payment, earnest money, critical contingencies, and more. This is an important conversation for the protection of all involved parties. We are still data focused at this point.

The seller reviews your offer and either accepts it, counters it, or chooses another buyer in a multiple-bid scenario.

Expect the following scenarios: If the seller accepts your offer, they will sign, and we discuss the next steps of the buying process. If there are multiple offer, we will discuss both pricing and terms you are comfortable submitting to have you stand out. In the case the seller chooses a different buyer, we regroup and start the search again.

Escrow is a secure neutral party in the transaction to handle all funds and paperwork.

Expect to deposit earnest money in 1-3 business days of acceptance. We will also have a conversation about protecting yourself from wire fraud. The escrow officer will walk you through the next steps with them.

Hire an independent, licensed inspector to thoroughly examine your future investment for peace of mind.

Expect to pay an average of $500 or more for your inspection. Depending on the type of home, you may request add-ons such as well, septic, and more for an additional fee.

Converting your intial pre-approval into a formal, property-specific mortgage application.

Expect to submit required documents pertaining the purchase, bank statements, updated financial documents, and more. This will be guided by your loan officer.

Lenders underwriting team reviews your financial picture one final time to guarantee your risk profile hasn't changed.

Expect the underwriting team to verify your employment and run a final credit check. It is important that there are no new loans or large purchases, such as home improvement or furniture cards, credit cards, vehicles, and more open during your home purchase.

The title company researches the homes public records to ensure the seller has no unpaid debts (liens).

Expect the seller to resolve any liens before closing if something is uncovered. You will also purchase title insurance to protect your ownership rights.

We will review the inspection report to determine whether we are asking the seller for repairs, requesting a concession/price reduction, or move forward satisfied.

It is common to have a final report with multiple pages of issues. Your goal is to determine, items that affect health, safety, or costly repair. This is something we will discuss thoroghly.

An independent, third-party appraiser evalutates the property to confirm its actual market value matches what you agreed to pay.

Expect your lender to order the appraisal after inspection negotations. If the appraisal is "at value" we move forward. If the appraisal is "below value" we renegotiate the price unless we agreed to an appraisal gap during a multiple offer scenario.

The underwriter has officially signed off on your mortgage and we are "Clear to Close"

Expect your lender to send you a Closing Disclosure (CD). This will outline your exact interest rate, monthly payment, and the precise amount of cash you need to bring to closing. Always thoroughly review before signing.

Sitting down with an escrow officer or notary to sign the legal documentation that secures your mortgage and transfers ownership.

Expect 1-2 hours to complete signing. Bring government issues ID. Arrange your cash to close to be wired.

Title/escrow company has offically filed your deed and mortgage documents with the local county clerks office.

We made it!

Expect once the county records the documents and the seller receives their funds, we will schedule a time to receive keys!