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Buying or selling a home in Dublin? Provident Realty Group can help.

With a little planning ahead of time, buying a home isn't that hard, but the event is intimidating for many people. So they'll know exactly what to expect, I will provide buyers with a road map of the entire deal. These are my nine steps to purchasing a home. Should you have questions about any of this information or if you're ready to get started, you can contact me here or e-mail me at .

Step 1 – Prepare to buy a home
There are plenty of things you should consider prior to starting your home search. You'll probably want to assemble a list of must-have features, plan for what neighborhoods and school districts you want to live in, and start planning around your budget. A good principle to go by is that your mortgage payment should be around 1/3 of your monthly income.

Step 2 – Talk to a real estate agent
This is where Provident Realty Group comes in. We can plan a time to meet so we can talk about why you want to buy a home and get an idea of your upcoming plans. We'll discuss the mortgage industry, other economic factors that may potentially affect your buying decision today or in the future, as well as neighborhoods and schools in the Dublin area.

In addition, I'll help you start the loan process. Provident Realty Group works with some of the best mortgage professionals in Dublin, so you're in great hands. They will assist you in choosing which kind of loan is best for you and help you get approved.

Step 3 – Begin looking
After our initial meeting, I'll begin searching for available houses on the market that are great for you. I'll research most of the houses and exclude the bad ones, and then we'll set up appointments to view the houses whenever it's convenient for you.

When we tour the homes, I'll show you the positive features and negative ones. And I'll ask you about things you like and dislike. It's widely common for buyers to revise their wish list as we view houses and some items become more crucial than others. If that's the case, I'll look through the listings once more and trim it down to the house you've been waiting for.

Step 4 – Understand the housing market
My knowledge of the Dublin market is a necessary agent in your house search. I'm mindful of all the neighborhoods and schools, and I can communicate what neighborhoods are "hot" and demand prompt action and others that are "cool" and allow for careful consideration.

When we view homes, I'll be sure to tell you when the seller's asking price has room for bargaining and also when I think the home is "priced to sell." Be mindful and be sure to ask plenty of questions, as any REALTOR will convince you they truly understand the market. If things don't add up, just call me at (925) 999-9531 or e-mail me at , and I'll be more than happy to answer your questions. My understanding of the market will keep you a step ahead through the entire process.

Step 5 – Find the house you've been looking for
We'll find your dream home in the Dublin area, and when we do, I'll precisely develop your real estate purchase offer. The offer will be tailored exactly to your needs and the home, including many contingencies. A few examples are getting financing, completing the inspection, and a clean title.

Upon presenting your purchase offer, you'll want to present "earnest money." This is a cash deposit submitted to a seller to secure an offer to buy the property, and it's usually applied to the closing costs. If the offer is accepted by the seller, we should close on the home within 30 to 60 days after. This allows necessary time for your mortgage financing.

Step 6 – Negotiate the deal
Most contracts aren't closed on the first offer – it's widely common to receive a counter offer. Don't let this discourage you. We'll figure out whether or not to agree to the counter offer, submit our own counter offer, or reject the seller's offer and go on.

The state of the market will play a vital role in how aggressively we negotiate the contract. We'll also work within your financing budget. And when it's all said and done, we'll create a deal that's best for you.

Step 7 – Obtain a loan
Upon finalizing the contract, you'll start working with your mortgage lender to close the loan. It shouldn't take very long at all if you're already pre-approved, but you need to keep in close contact with your mortgage lender. And I'll deal with all the property information your lender will need to close the loan.

Step 8 – Close the deal
Your mortgage lender will send you a Loan Estimate (LE) outlining closing costs within three days of accepting your loan application. You'll get a Loan Estimate (LE) of closing costs from your mortgage lender within three days of receiving your loan application. This estimate is based on the loan amount. RESPA requirements require that it has to include all closing costs and be within a tight range of accuracy, and I'll review the estimate and let you know if it all looks okay.

Then we'll close on your house. This will most often take place at a title company or escrow office and will probably be a smooth and comfortable occurrence.

Step 9 – Move in
Congratulations! Now you can move into your new home. Enjoy it. And if you have any questions, just contact me at (925) 999-9531 or e-mail me at .

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