we're here to help you with The home buying process

1. Select your real estate professional
   We are dedicated real estate professionals who will walk you through the home buying process.
2. Meet with your real estate professional
   We will meet with you to help determine your needs. We will help guide you to financial institutions where you can obtain information about he best financing available.
3. Now we search for the right home for you
   I will show you homes based upon the criteria that we have established together. The more precise and direct you are with me, the more successful our search will be.
4. Time to make an offer
   Once you have decided on a home, we will draft an offer for you, advising you on protective contingencies, customary practices, and local regulations. Now it's time to put a little skin in the game and provide an “earnest money” deposit, usually 3% of the purchase price. The deposit check is not cashed until your offer has been accepted by the seller.
5. Present your offer
   We will present your offer to the seller’s agent. The sellers have three options; they can accept your offer, counter your offer, or reject your offer. My knowledge of your needs and qualifications will enable me to represent you in the best way possible.
6. Seller responds
   We will review the seller’s response with you. With our  negotiating skills and knowledge, we will help you reach a final agreement.
7. The 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.TYPICAL CONTINGENCIES INCLUDE:• Approval of the Seller’s Property Disclosure statement.
   • Loan approval
   • Physical inspections of the property, which include surveys
   • Pest inspection
8. Obtain homeowners insurance
   I will work with your insurance agent and escrow office to make sure your policy is in effect at the close of escrow.
9. Pay your down payment/any other closings fees
   You will need a cashier’s check or money transfer for the down payment several days prior to the closing date of escrow.
10. Time to purchase your home--YOU'RE CLOSING!
    When all of the conditions of the purchase agreement have been met per your lender, you will sign your loan documents and closing papers at an attorney's closing office. Once done, you will receive your keys!

CONGRATULATIONS! You just bought a home!