Most real estate professionals and mortgage lenders recommend pre-qualifying for a loan before selecting a home to purchase. This process will help you:

• Determine the price range you can afford.
• Understand the types of loans you qualify for.
• Determine what your monthly payment will be.
• Estimate the down payment and closing costs.

We will assist you in selecting a mortgage lender. Once you have made your decision, these are the steps of the process:

Application All pertinent documentation is obtained. Fees and down payments are discussed, and the borrower will receive a Good Faith Estimate (GFE) and a Truth-in-lending statement (TIL), itemizing the rates and associated costs for the loan. You will be asked to provide certain documents to your lender in order for your loan to be processed in a timely manner.

Loan Submission Once all the necessary documentation is in, your completed file is submitted to a lender for approval.

Loan Approval(Underwriting) Loan approval, or underwriting, generally takes 24 to 72 hours. All parties are notified of the approval and any loan conditions that must be received before the loan can close.

Based on criteria your search criteria, we will help you find the perfect property. There are many factors to consider in selecting a property, including location, bedroom and bath count, schools and local amenities.

We will apply our extensive community knowledge and professional resources to research available properties, and show you the properties that best meet your needs. If you find a property that interests you through the internet or your own research, let us know so that we can arrange a showing. 

As you view different properties, your criteria may change. Open and direct communication with us is a key element of a successful property search.

Once you have found the home that you wish to purchase, we will assist you with all the necessary research to help you structure an effective offer.

This is where our skills come into play. When an offer is made, the seller will have the option of accepting, rejecting or counter-offering. We will negotiate the best possible terms for you.

We will draft the purchase agreement, advising you of protective contingencies, customary practices, and local regulations. Home warranty, title and escrow arrangements will be detailed in the offer. Although we will give you advice and information, it is your decision as to the exact price and terms that you wish to offer.

When the purchase agreement is accepted and signed by all parties, we will open escrow for you and your earnest money will be deposited. The escrow is a neutral third party that will receive, hold, and distribute all funds associated with your transaction.