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The Homebuying Experience

COVID-19 has changed every step of the homebuyer process.

Need to Sell First? Search for Homes

I'll help turn your homeownership dream into a safe, actionable plan!

The Path to Homeownership

Beginning your home search can be an overwhelming and daunting task - especially during this COVID-19 epidemic. Because of that, I'll make sure that you understand the necessary steps to make the process as safe, easy, and painless as possible. With the support and guidance from me, your trusted lender, and home inspector, you can be sure you're buying a great home at the right price, terms, and conditions.

Virtual Buyer Consultation

A virtual homebuyer consultation (either by phone or video conference) will allow us to discuss what your needs and wishlist items are and to come up with a game plan to help you find what you're looking for - all while respecting current social-distancing recommendations.

Pre-Approval

I'll introduce you to a reputable, local mortgage loan officer who can help you determine your buying price range with confidence. Be prepared to dig into paperwork during this part of the process such as pay stubs, W2’s, and tax returns. The lender will do a full review and then tell you what you will be able to borrow in order to purchase a home. This is a vital (and most important) step in the home buying process. Smart sellers won't let you enter their home without being pre-approved. It simply a health risk they don't want to take at this time.

Listing Alerts Tailored to You

You're too busy to be searching for new listings all day. That's why I want to get to know you during our consultation. Need to move for a job? Want a shorter commute? Need a dedicate home office? Getting married? Having a baby? Need to upgrade or downsize? At this stage in the process, I'll send you notifications about the listings that you’re most likely to be excited about. You'll want to be sure if one (or more) jumps out at you so that we can skip to the next step and schedule a showing.

In-Person or Virtual Showings

Most sellers are allowing qualified buyers to schedule appointments to see their home in person, but if you do not feel comfortable, I'll visit the home for sale and use technology like Facetime, Zoom, or Marco Polo (a video messaging app I love) to ensure you have the most realistic and safest showing experience from the comfort of your home.

Property Analysis

Once you've decided that you're interested in making an offer on a home, I'll put together what's called a Comparative Market Analysis (CMA) to determine the market value of the home. This analysis will be based on  90% objective data and 10% based on my market knowledge and will be emailed you to you once completed (usually in a couple of hours).

Electronic Signatures

Once you decide on the price, terms, and conditions you'd like to include in your offer, we'll use Dotloop (a secure electronic signature platform) so that you can sign the contract from the comfort of your own home! All it takes is the click of your mouse, and we're happy to walk you through how to use Dotloop if you've never used it before. After it's completed, I'll email your offer to the listing agent so that they can present it to the seller. 

Inspection & Remedy

After the seller accepts your offer, you'll want to make sure that the home won't be riddled with problems after you close. So, you'll hire a licensed and reputable home inspector to ensure the home is functioning properly and there are no major issues inside. Your inspector will email you the report and be there to answer any questions you have about the property or report. After the inspection is over, you'll submit a list to the seller highlighting the specific issues you'd like addressed as a part of the deal.

Appraisal

An appraisal is an opinion of value used for real-estate-related financial transactions. An appraisal is an important part of the home buying process because it assures the lender the property has adequate collateral to make the loan. Your lender will make this a part of any financing you qualify for.

Clean Title

just imagine closing on your home purchase and the very next day there's a knock on your door. The person on the other side is a contractor that is owed money by the previous owner for work they performed at the home before you purchased it. To avoid this uncomfortable situation, the title company and their legal team ensure that when you close on the home, you are given a "clear and marketable" title, which means the home is free of any and all liens (except from your mortgage company) and encumbrances once you become the new owner. 

Final Walk-Through

The day before, or the morning of your closing, we'll visit the home to ensure any an all repairs that were agreed upon by you and the seller are performed according to your agreement. We'll also check the home for any new damage or issues, and ensure the fixtures and appliances that were to remain in the home are, in fact, still there. 

Wiring Your Funds

Once your lender gives you the "clear to close," the title company or your lender will let you know how much funds they'll need to complete the transaction. This will need to be wired from your bank to the title company. 

Closing

Prior to COVID-19, closings occurred in the title company's or your agent's office. Now, title companies are hosting them while taking great safety precautions, but are also offering to meet you at your car and hand documents to you to sign so that you are being extra careful.

Regardless, now is the time to pop the bubbly. YOU DID IT!!!

Ready to own your own home?

Let me be your guide.

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