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Contemplating buying your home in Dublin?

Purchasing a home is an intimidating event for many people, but it's not all that confusing with some planning ahead of time. So they'll know exactly what they can expect, I will furnish buyers with a road map of the entire deal. Below are my nine steps to purchasing a home. If you have any questions about this information or if you're ready to get started, you can contact me here or e-mail me at .

Step 1 – Prepare to purchase
Before you start looking for a home, there are a lot of things you'll want to do. You'll most likely want to create a check list of features you need to have, get an idea of what school districts and neighborhoods you'd like to live in, and begin planning around your budget. Ensuring your mortgage payment is no more than 30 percent of your monthly income is a good rule of thumb to adhere to.

Step 2 – Talk to a real estate agent
That's where I can help. I'd like to schedule a time to get together with you and communicate with you about your real estate needs and get an idea of your plans for the future. We'll talk about neighborhoods, schools in the Dublin area, the mortgage industry, and any additional economic factors that could potentially affect your purchase today or in the future.

I can also assist you in getting started on your loan. Provident Realty Group partners with some of Dublin's finest mortgage professionals, so you can rest assured that you're in great hands. They will assist you with deciding which kind of loan is best for you and help you get qualified.

Step 3 – Start looking
After we meet for the first time, I'll begin searching for homes on the market that meet your needs. I'll research most of the houses and reject the bad ones, and then we'll set up appointments to tour the homes whenever it's most convenient for you.

When we view houses, I'll identify positive features and bad ones. I'll also ask you about things you like and dislike. It's widely common for buyers to change their list of must-haves as we view houses and some things become more essential than others. If such is the case, I'll search all the listings once again and trim it down to the house you've been dreaming about.

Step 4 – Comprehend the housing market
An agent's knowledge of the Dublin home market is an essential aspect in your house search. And I assure you I'm conscious of all the neighborhoods and school districts, and I will communicate which districts are "hot" and warrant immediate action and the ones that are "cool" and allow for more consideration.

As we tour houses, I'll be sure to tell you when the seller's asking price has room for negotiation and when I think the home is "priced to sell." When working with an agent, be careful and make sure you ask lots of questions, as any REALTOR will convince you they know the housing market. If things don't add up, contact me at (925) 999-9531 or e-mail me at , and I'll be glad to answer any questions you might have. My market knowledge will keep you a step ahead through the entire deal.

Step 5 – Find the house you've been waiting for
I know we'll find the home of your dreams in the Dublin area. When that happens, I'll carefully create your real estate purchase offer. The offer will be tailored exactly to your needs and the home, including some contingencies. A few examples are acquiring financing, finishing the inspection, and a clear title.

When sending in your purchase offer, you'll want to present "earnest money." This is a cash deposit made to a seller to secure an offer to purchase the property and is often applied to the cost of closing. If your offer is accepted, we should close on the home within 30 to 60 days afterward. This allows sufficient time for your mortgage financing.

Step 6 – Negotiate
Most contracts don't close on the initial offer – it's really common to receive a counter offer. But don't let this alarm you. We'll consider whether or not to accept the counter offer, submit our own counter offer, or refuse the seller's offer and move on.

Market circumstances determine how aggressively we negotiate the contract. In addition, we'll work within your financing limits. And at the end of the day, we'll formulate a contract that works well for you.

Step 7 – Get your loan
Once the deal is finished, you'll start working with your mortgage lender to close the loan. If you're pre-qualified, it shouldn't take very long at all. But you'll want to stay in close contact with your lender. And I'll manage all the property information your lender will need to close the loan.

Step 8 – Close the deal
Your mortgage lender will furnish you with a Loan Estimate (LE) of your closing costs within three days of getting your loan application. You'll get a Loan Estimate (LE) of closing costs from your mortgage lender within three days of taking your application. This estimate rests on the loan amount. RESPA requirements order that it has to involve all closing costs and be within a tight range of accuracy, and I'll examine the estimate and let you know if everything looks all right.

Then we'll close on your home. This should happen at a title company or escrow office and should be a smooth and relaxed affair.

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

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