Everything you need to guide you through the journey, from thinking about moving to putting the key in your new front door.
Helpful Articles for Buyers
Naturally, you want to get the best deal for the least amount of money. This holds true for mortgage rates as well. A lower interest rate means a lower monthly mortgage payment, which can save you money in the long run. Also, it is easier to qualify for a lower...
Fortunately for buyers, there are a variety of mortgages to choose from. It is in your best interest to investigate each of them to determine which is the best for your situation. You probably won't qualify for all of them. In fact, you may only qualify for one. But...
Buying a home is one of the most important purchases most people will make. In order to make the right decision the first time, potential buyers need to be prepared. Consider the following before starting negotiations: Be prepared Research the housing market in the...
Pre-Qualification: Meet with a mortgage broker and find out how much you can afford to pay for a home. Pre-Approval: While knowing how much you can afford is the first step, sellers will be much more receptive to potential buyers who have been pre-approved. You'll...
The Home Buying Process
You and your Premier Sales Associate meet at your local Premier office for a “Buyer Consultation” to focus your search by analyzing what you want and need in a home.
Your Premier Sales Associate will introduce you to the pre approval process and the importance of speaking with a mortgage lender– who can help you determine your price range with confidence.
You and your Premier Sales Associate tour available homes that meet your criteria. He or she helps you evaluate their relative merits and their true market value and also notifies you whenever new homes match your criteria.
Make an Offer
When you’re ready, your Premier Sales Associate can present a written offer in person to the seller, along
with a small deposit. The seller generally accepts your offer or makes a counteroffer to begin negotiations.
With your Premier Sales Associate serving as a skilled negotiator, you and the seller agree on price and terms,
including closing/settlement date.
Contract of Sale
Your deposit is placed in an Escrow Account as specified in your contract. In some states, an attorney review of the contract is customary.
Schedule Home Appraisal
Your Premier Sales Associate will communicate with your chosen lender to ensure the completed mortgage
application and the order of the appraisal.
Schedule Home Inspections
Pest inspections and any others are scheduled as required/desired. Should any concerns arise, your Premier Sales Associate will help you and the seller resolve them.
Home Protection Plan
Your Premier Sales Associate explains the benefits of a home protection plan, with its full year of coverage on specified major systems and appliances in your new home.
Our team confirms the date and location of closing/settlement with your attorney who (if applicable), confirms your title and the placement of your homeowners insurance policy.
Get Closing Costs
Get final closing/settlement cost from an attorney or the lender.
The Final Walk-through
At a time scheduled by your Sales Associate, you look everywhere inside and around the home yourself. Be sure that everything that’s supposed to be there is present and in the condition you expected, with nothing unwanted left behind.
At the Closing/Settlement
You sign mortgage and other documents You agree on adjustments for miscellaneous items (taxes, heating oil, etc.) The seller is paid and you receive your title (or deed) and keys. Be sure to bring your photo ID and any required funds to closing.