BUYING YOUR HOME

Purchasing real estate is one of the biggest decisions you’ll make. Let me help guide you.

Why does picking the right buyer’s agent matter?

From property hunting to moving in, there are many stops along the path of purchasing a home. Having a highly-skilled negotiator by your side along your way who is immersed in the local market makes finding your dream home search not only more successful but, dare I say, more fun! Ready for a hassle-free search? You’ve come to the right place.

As your Windermere agent:

I know the local market and can quickly narrow down a few areas where you are likely to find your home at the price you want.

My relationships with other brokers in the industry. Working with a seasoned broker aids clients with winning negotiations on home purchases.

I can save you time by doing a lot of the legwork. By knowing your needs, I can eliminate homes that do not meet your criteria.

I will make appointments, preview homes with you and help you determine the pros and cons of each potential home.

I can provide information and make appointments to see almost any property listed for sale. A home does not have to be listed by a Windermere agent in order for me to get detailed information or an appointment to view.

Once you find the home you want to buy, I will guide you through the negotiation, legalities, and details of purchasing a home.

YOUR STEPS TO LANDING YOUR DREAM HOME

GET YOUR FINANCES IN ORDER

The first thing you’ll need to do is put money aside for a down payment. This amount is typically a minimum of 5% of the purchase price of the home you’re planning to buy. In some cases, you can put down less, although you will get a better mortgage rate and exclude mortgage insurance with more than 10% down. Second, you’ll need to meet with a mortgage broker to determine what you can truly afford and get your pre-approval in place. You must have a pre-approval in place before submitting any offers. Shopping around for the best rate is recommended, however, there is more to a mortgage loan than just the rate. You should determine what is the most important factor in working with a loan officer – is it the rate, the constant communication, a dedicated broker working as your sole point of contact, or all three? Our team has several mortgage brokers we work with regularly and trust and can match you with someone who fits your needs best.

VISUALIZE YOUR DREAM HOME

Once you’ve established a price range, it’s time to decide what type of home will best suit your lifestyle. Think about things like proximity to work, access to schools, recreational facilities, what the neighborhood is like, and so on. Why you’re choosing to buy should help answer these questions for you — so think about it carefully. You may want to put this down in writing and create a needs v/s wants list as you will likely need to make compromises along the way.

MEET WITH A REALTOR®

It’s important to partner with a REALTOR® you feel completely comfortable with. It is said that buying a home will be one of “the most intimate, short-term relationships you will have”. Interview different brokers and see who you mesh with as not all brokers have the same style. You will want to look for these two main things: 1). Does this person communicate with me in the way I need them to? 2). Do I trust this person? Your broker will be play a critical role in helping you find a home that meets your needs and your budget, as well as set you up with viewing appointments, and help bring clarity to the complicated process of buying. Find a broker who is experienced and knowledgeable and will represent your best interests – not theirs.

THE SEARCH

Using the property search on this site and consulting with your REALTOR®, you will be able to find homes in your desired area. They’ll update you frequently regarding new listings and schedule appointments with sellers to view the listings you’d like to see. During Covid-19, they’ll also take the proper precautions to keep you safe while finding you the perfect home.

THE OFFER & CLOSING PROCESS

Your REALTOR® can help you place an offer that the seller will either accept, counter, or reject. This part of the buying process is the most complicated and you will want to lean on your broker for their advice and how best to position you, especially in a multiple offer situation. Once your offer has been accepted, you’ll need to conduct a home inspection, unless the seller has already completed one you are satisfied with. There will also be the issue of any repairs needed (if negotiated with the seller during the offer period), and your broker will walk you through this process, step-by-step. Once you have a purchase and sale in place, your broker will work closely with your mortgage broker to make sure your loan is tracking to close on time. They will also be in constant communication with escrow to ensure all documents needed are received and in order.

At this point, congratulations are in order! Becoming a new homeowner is one of the most liberating things you’ll ever experience. There are many benefits to home ownership — pride of ownership, the ability to make home improvements, building equity, appreciation — the list goes on!

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READY TO FIND YOUR HOME?

Let’s connect and get you setup for success on your home search journey!

Amy Alpeza Real Estate