Full-service

Buying Experience

Buying a house doesn't have to be overwhelming. We've simplified the process into 8 easy steps.

How Much Can You Afford?

This is one of the first and most important questions to ask yourself.

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Your Needs and Wants

Defining what you need versus what you want will ultimately help in the final selection of your home.

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Tour Homes & Areas

It's time to jump in the car and see what is out there. This is often the most fun part of the process.

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Make an Offer on a Home

Now it is time to put pen to paper and make this home yours.

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Processing
the Loan

Your mortgage lender will be invaluable during this stage. Remember, ask questions of your REALTOR® and Lender. That is what they are there for.

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Inspection & Appraisal

The inspection and appraisal are critical stages of the process to make sure you are making a solid financial decision.

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Title Processing

Title processing ensures all necessary checks confirm a clear title for the closing process, facilitating a smooth transaction.

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Closing on Your Home

The closing process is the final stage before being handed the keys. The closer will make sure all of the paperwork is signed and in order.

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Real Stories. Real Success.

What Our Clients Say

"Now comfortably settling into our retirement home, we couldn’t have had a better experience with the find, buy, move, and sell phases of our relocation thanks to the absolutely masterful work done by Jennifer Boylan with Springs Homes. We have worked those 4 relocation phases 4 times in our life, with both an international and local move being done with Jennifer and Joe as our realtors. The moveRead MoreRead Less
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Next, you and your REALTOR® will use this information to come up with the most well-informed offer you can make.

Before your REALTOR® actually writes the offer, there are three things they will consider:

• Terms: Are they willing to take your type of loan? Sometimes a home will not qualify for federal housing administration FHA or VA loans.
• Closing Date: When do you want to close? A lot of this will depend on when you can get the inspections and appraisal completed.
• Seller Concessions: Are you asking the seller for things like closing costs, inclusions, exclusions, etc?

A simple phone call at this point from your buyer's agent to the seller's agent to ask about the home seller's priorities is a good idea. The assumption is often that the highest purchase price wins, but this isn't always the case. The homeowner's financial situation and other priorities may be more important. It's not uncommon to see a home sell at a lower sales price in lieu of a preferred occupancy date, or other conditions.

This is a good time to touch base with the lender and give them a heads up that you are getting ready to make an offer on a property. This is when your REALTOR® will request the lender letter.

Next, you'll produce the earnest money deposit funds. The earnest money is your way of showing that you are serious about this transaction. If you don't follow through with the terms of the purchase agreement, the earnest money could be the seller's for keeps.

When your REALTOR® writes the offer, there will be a number of real estate contingencies in place in order to protect you from losing your earnest money while you are doing your inspections and getting your loan finalized. Conscientious REALTORS® and homebuyers don't tend to lose earnest money, it can happen though if you back out at the last minute.

Once your offer is accepted, the “Due Diligence” period begins. This means scheduling and performing inspections, reviewing covenants and title work, and a big list of other items.

Congratulations! You’ve completed another one of the steps to buying a house, you are one step closer to owning a home!

The next phase of the loan process s underwriting. This is where a lender assesses whether or not they will assume the risk of your mortgage. They will likely ask for more documentation to prove they are confident you will pay back your loan. One of the final requirements of obtaining full loan commitment is the inspection and appraisal. Don’t forget, if you have a good REALTOR® they will be happy to explain everything throughout this process. You can read about this next. Everything You Need to Know About Mortgages

Why do I need Title Insurance? This is because there are a number of different scenarios that can potentially make a title problematic. A clear title means the property is free of any liens, judgments, encumbrances, or other potential clouds on the title. The seller will provide the buyer with a title insurance policy at closing. This policy acts as a guarantee that the title is clear. During this process you’ll receive a lot of paperwork to read through, and so will your REALTOR®. Part of a Buyer Agent's job is to read the title work looking for potential problems and or exceptions to the title. They will look for things like easements and right of way agreements. One aspect of the title work you are going to want to read carefully will be any restrictive covenants or homeowner’s association documents associated with the property. These will be included with the title work. Familiarizing yourself with the HOA requirements will save you potential headaches in the future.

img_cta_new
s_testimonials

Real Stories. Real Success.

What Our Clients Say

"Now comfortably settling into our retirement home, we couldn’t have had a better experience with the find, buy, move, and sell phases of our relocation thanks to the absolutely masterful work done by Jennifer Boylan with Springs Homes. We have worked those 4 relocation phases 4 times in our life, with both an international and local move being done with Jennifer and Joe as our realtors. The moveRead MoreRead Less
Read more stories