Buyers

Before we begin house hunting and putting offers in, I would like to get to know your wants and needs first. Starting from why are you deciding to buy a new home, what is your budget, what type of property are you looking to move into, neighborhood, schools, lifestyle...etc. The whole point of the consultation is to unpack your non-negotiables. This way we can narrow down the search from the start. During the consultation, I will share with you what myself and Coldwell Banker has to offer to help you make a decision if you want to work with me.

I will never let my buyers begin their home buying process until we know exactly what kind of loan you can lock in. This step is very crucial as it will determine what you can afford and also help us strategize down the line when making an offer. I will recommend lenders if you don't know where or how to start. Coldwell Banker is a one stop shop and we work closely with mortgage lenders that will help you get the best deal you can get. 

This is the fun part. We will attend as many open houses and private showings as possible. The goal is to see as many homes as you want, because this is an important purchase. Last thing you should do is rush this step, take your time and try to picture yourself living in that home. I always encourage my clients to scope out the neighborhood as well, every factor makes a difference.

This step may make you feel anxious or nervous, but that's what I am here for. We will discuss strategy during this step and make an offer based on the CMA's (comparative market analysis). 

When the sellers have accepted an offer, we will be in a binding contract. However, during our strategy session we'll make sure to put contingencies in place in case things don't go as planned during the inspection or appraisal process. Typically at this point you will place and earnest money deposit. This is not the whole down payment, but rather a small percentage of the down payment. During this period, I encourage my buyers to do their due diligence during the inspection period and look for any issues the house might have. In any case, you can always request the sellers to repair it and ask for a buyers credit. In addition to that, the appraisal process takes place so that your lender can approve and fund the loan for that house. Once your loan is approved, the lender will require that you get home insurance as well. This step may feel daunting, but I assure you that my I will walk you through every step of the way. 

Once all contingencies have been ticked out, then you would remove them to move on with the purchasing process.

During this step, we will make sure that the house is in the exact condition you want it to be if you have found any issues with the property during the inspection period.

Sellers hand you over the keys and the house is yours!