Smart Process for Home Buying


It does not have to be super complicated.

There is a smart and simple process that you can follow when thinking about purchasing a home.

Here it is below:

1.) FIND A HIGH-QUALITY AGENT

A high-quality Real Estate agent is an important first step in the process. A high quality agent will be able to answer your questions, understand your needs, and position you to win in whatever market you find yourself in.

A high-quality agent is not your brother's, cousins, friend who does Real Estate on the side as a hobby and completes 1-2 deals every few years. You are looking for someone who knows the market and understands how to best position you.

2.) GET PRE-QUALIFIED

Unless you are purchasing in cash (which is awesome), you will need to get pre-qualified for a loan. Getting pre-qualified is the process whereby you discover how much a bank is willing to lend you. This is important because this will determine the price range of house that you will be looking for. There are many different lenders out there and your Real Estate agent can guide you in selecting 2-3 to get quotes from.

3.) DETERMINE YOUR COMFORTABLE BUDGET

Before you start looking at homes you need to determine what house payment is going to be comfortable for you. This number is critical because it will hone in even further the houses that you will look at. Keep in mind that very often you will be pre-qualified for a larger amount than might be comfortable for your budget. Make sure you have a max payment worked out so that you don't get in over your head.

4.) START LOOKING

Once you are pre-qualified and have a budget worked out, your agent will begin showing you homes that fit your criteria. This is where the real fun begins!

5.) MAKE AN OFFER

When you find a house that you like, your agent will help you make an offer. This process can have many layers and some back-and-forth with the seller. Don't worry! Having a high-quality agent in your corner will make this part in the process seamless and put you at ease.

6.) GET YOUR OFFER ACCEPTED

Once your offer is accepted you will enter into a period where the house will be inspected, a title company will ensure clean and clear transfer of ownership, and your loan will be processed.

7.) CLOSE AND MOVE IN

Finally, the time has come for you to close on your new home and move in! Hire the movers and get in!

That's not so bad is it?

If you are interested in learning more, I'd love to talk with you.

Visit www.ZachMalito.com for more information.

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