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Purchasing
a new home is an exciting time in your
life. Whether it is your first or your
fifteenth, this is a new beginning.
At Re/Max Properties, we realize the
importance of finding just the right
home for you and your family. We work
with buyers in all price ranges and
are confident in our ability to offer
service above and beyond your expectations.
Let our knowledge and experience work
for you.
Premiere Buyer’s
Services
At Re/Max Properties, Crutcher &
Hartley, we take very seriously representing
our clients through the entire process
of home buying, from beginning to end,
and after closing. Understanding how
to purchase a home is the first step
in home ownership. Below you will find
the home buying process as it takes
place.
10 Steps to Buying
a Home:
1. Decide to purchase home
We will work with you to define your
needs, desires, and goals as a Buyer
and help you determine the most important
considerations in selecting your new
home.
2. Mortgage Lender Meeting
Once you establish what you are looking
for in a new home, it will be time to
meet with a lender to determine the
price range for which you are qualified.
By sharing income and other financial
information, you will be able to be
pre-qualified or pre-approved for a
mortgage loan. Having a pre-qualification
or pre-approval letter will let a seller
know you are qualified to purchase the
home you choose to contract.
3. Area Search
After you have met with a lender, you
will consider where you would like to
live. An agent on our team will meet
with you to determine which neighborhoods,
school districts, or subdivision you
prefer. Do you prefer to be in the city
or in a more rural area? Being candid
with your agent will allow for a better
understanding of what you are looking
for and will yield the best results.
4. Property Tour
Now it will be time to tour properties
meeting your criteria. When possible
all decision makers should visit the
selected homes. We usually recommend
viewing no more than five properties
on any given day. Viewing too many properties
can be exhausting and overwhelming.
Your agent will schedule showings at
your convenience.
5. Prepare the Offer
After finding a property you would like
to purchase, your real estate agent
will provide you with a comparative
market analysis (CMA) for the property
or properties of your choice. Review
of this information with your agent
allows you to make an informed decision
with regard to the amount of the offer.
The offer is then written by your agent,
reviewed with you, signed, and earnest
money checks and/or option fee checks
are written. The offer is then delivered
to the selling agent for presentation
to the seller.
6. Offer Negotiation
Once the listing agent receives the
offer, the offer is presented to the
seller. The seller may accept the offer,
counter the offer, decline the offer,
or the buyer may be invited to submit
a new offer. Negotiations proceed until
both buyer and seller have agreed on
all the terms. All documents are then
sent to the title company or attorney’s
office. The offer is now a fully executed
contract. Title commitment and property
tax information is ordered. It is our
goal to help you purchase your home
at the best possible price and act as
your advocate in the most professional
manner.
7. Loan Application & Property
Inspection
The contract should be sent to your
lender. You may do this or we will do
it for you. You will need to apply for
your loan and discuss whether you should
lock in the interest rate.
Property Inspection is the next order
of business. Your real estate agent
will work with you to arrange for the
home inspection, wood-destroying insect
inspection, as well as any other inspections
necessary. These inspectors work for
you and you will probably want to be
present for at least the final summary
by the home inspector. The home inspector
will prepare a report of the inspection
for review. Your real estate agent will
discuss this report, and should there
be repairs to be addressed, negotiate
the repairs.
8. Prior to Closing
Before you close, your real estate agent
will confirm with the title company
or closing attorney to make sure all
documents are being prepared. Arrangements
for the property appraisal and survey
will be made. You will be provided a
copy of Title Commitment Letter. Buyer
will need to make arrangements for homeowner’s
(hazard) insurance and arrange for the
insurance agent to talk to the closing
officer at the title company.
9. Arrange Property Closing
We will monitor the closing process
step by step and make sure you are kept
informed. As the Buyer, you will do
a final walk-through inspection of the
property and the closing time is scheduled
by your real estate agent. You then
receive a copy of the closing statement.
You must then bring a cashier’s
check for all closing costs and balance
of the down payment.
10. After Closing
Congratulations! You are now a Home
Owner. Documents are sent from the buyer’s
mortgage company for approval and funds
are disbursed. The title company receives
and funds all money from the mortgage
company for payment of any accrued expenses
including taxes. We will provide you
with a list of utility providers and
other service providers to make your
move as effortless as possible. |
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RE/MAX
Properties
3225 University Blvd.
Tyler, TX 75701
Phone:
(903) 565-6999
Fax:
(903) 565-6964
E-mail:
TheTeam@DougandPJ.com |
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RE/MAX Properties:
3225 University Blvd., Tyler, TX 75701 | Phone:
(903) 565-6999 | Fax:
(903) 565-6964 | E-mail:
TheTeam@DougandPJ.com
© Crutcher & Hartley LLC, All Rights Reserved. |
 Equal
Housing Opportunity | Website Designed by 3
Degree Media, Inc. | |
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