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Are you buying a new home in Dublin?

Purchasing a home intimidates a lot of people, but with some up-front planning, it isn't that hard. I like to provide buyers with an overview of the whole deal so they'll understand exactly what they can expect. Here are my nine steps to buying a home. If you have questions regarding any of this information or if you're prepared to get started, you can contact me here or e-mail me at .

Step 1 – Prepare to purchase
Before you commence your home search, there are many things you need to consider. When you start your search, you'll probably want to form an outline of items you want to have, get a feeling for what school districts and neighborhoods you want to live in, and start planning around your budget. Keeping your mortgage payment around 1/3 of your net monthly income is a good guideline to go by.

Step 2 – Talk to a real estate agent
This is where Provident Realty Group can help. We can arrange a time to get together so we can talk about your real estate needs and get an idea of your upcoming plans. We'll discuss neighborhoods, schools in the Dublin area, the mortgage industry, and any other economic factors that could potentially affect your buying decision today or in the future.

I can also help you facilitate the loan process. Provident Realty Group works with some of Dublin's best mortgage professionals, so you can rest assured that you're in great hands. They can help you determine which type of loan is best for you, as well as help you get approved.

Step 3 – Start looking for a home
Following our initial meeting, I'll begin searching for houses on the market that are a good fit for you. I'll research most of the homes and exclude the duds, and then we'll set up appointments to view the homes at a time that's convenient for you.

As we view the homes, I'll call attention to positive features, as well as negative ones. And I'll ask you to tell us about things you like and dislike. It's common for buyers to update their wish list as we tour houses and some items become more substantial than others. If such is the case, I'll look through the listings once more and trim it down to the house of your dreams.

Step 4 – Get a grasp of the market
My awareness of the Dublin home market is an essential aspect in your house search. I am acquainted with all the school districts and neighborhoods, and I'll communicate which areas are "hot" and require prompt action and some that are "cool" and allow for more analysis.

When we view homes, I'll let you know if the seller's asking price has room for bargaining or if I believe the house is "priced to sell." When working with an agent, trust your instincts and make sure you ask lots of questions, as any real estate agent will convince you they know 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 any questions you may have. My knowledge of the market will keep you a step above the rest throughout the entire deal.

Step 5 – Find the home of your dreams
We'll find your dream home in Dublin, and when we do, I'll meticulously develop your home purchase offer. The offer will be made to suit your needs and the home. We'll include many contingencies, such as obtaining financing, completing the home inspection, and a clear title.

When sending in your purchase offer, you'll likely want to submit "earnest money." This is a cash deposit given to the home seller to secure the offer to purchase the property and is usually put towards the cost of closing. If the offer is accepted by the seller, we should close on the property about 30 to 60 days after. This allows plenty of time for your mortgage financing.

Step 6 – Negotiate the deal
A lot of contracts aren't closed on the initial offer, and it's extremely common to receive a counter offer. Don't let it intimidate you. We'll discuss whether or not to agree to the counter offer, submit our own counter offer, or refuse the seller's offer and go on.

Market circumstances determine how aggressively we negotiate the deal. We'll also work within your financing limits. And at the end of the day, we'll create a deal that works well for you.

Step 7 – Secure financing
Upon finishing the deal, you'll start working with your lender to close the loan. If you've been pre-qualified, it won't take much time at all. But you should to stay in close contact with your mortgage lender. And I'll look after all the property information your mortgage lender needs to close the loan.

Step 8 – Close the deal
You'll get a Loan Estimate (LE) of closing costs from your lender within three days of receiving your application. The estimate is formed from the loan amount. RESPA requirements order that it has to include all closing costs and be within a strict 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 likely take place at a title company or escrow office and will probably be a smooth and peaceful occasion.

Step 9 – Move in
Congratulations! It's time to move into your new house. Enjoy it. And if you have any questions, just call me at (925) 999-9531 or e-mail me at .

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