1. Select a REALTOR and Establish a Relationship

I am a full-time, professional REALTOR with extensive market knowledge. We will work closely together to find the right home for you.

2. Initial Consultation with your REALTOR

Once we establish your needs, I will provide guidance to financial institutions where you can obtain information in order to get the best financing available. We will meet to discuss your needs and analyze your resources. We will also consummate a Buyers Agency Contract.

3. Identify Property to Buy

I will show you homes based on the criteria that we establish. The more precise and direct you are with me, the more successful our search will be.

4. Determine Seller's Motivation

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

5. Write Offer to Purchase

I will draft the purchase agreement for you, advising you on protective contingencies, customary practices, and local regulations. At this time, you will need to provide an “earnest money” deposit, usually from 1-3% of the purchase price. The deposit is not cashed until the offer is accepted. You will receive this money back at the time of closing.

6. Presentation of Offer

I will present your offer to the Sellers Agent. The seller has three options: accept your offer, counter your offer, or reject your offer.

7. Seller's Response

I will review the Seller's response with you. My negotiating skills and knowledge will benefit you in reaching a final agreement.

8. Notify the Title Company

When the purchase agreement is accepted and signed by all parties, I will contact the title company for you. At this time your earnest money will be deposited with the listing company.

9. Contingency Period

This is the time allowed per your purchase agreement to obtain financing, perform inspections, and satisfy any other contingencies to which your purchase is subject.

10. Homeowner's Insurance

I will coordinate between your insurance agent and the title officer to make sure your policy is in effect at the close of contract.

11. Down Payment Funds

You will need a cashiers check or money transfer several days prior to closing.

12. Close

When all of the conditions of the purchase agreement have been met, you will need to attend the closing to sign your loan documents and closing papers. You will deposit the balance of your down payment and closing costs and your lender will deposit the balance of your purchase price. The deed will be recorded at the County Recorders office and you will take ownership of your new home.