Let Provident Realty Group assist you in buying your home in Dublin
For most people, purchasing a home can be an intimidating event. However, with a little up-front planning, it's not all that confusing.
So they understand exactly what to expect, I like to give buyers an overview of the entire deal.
Below are my nine steps to purchasing a home.
Should you have any questions about this information or if you're ready to get started, just contact me here or e-mail me at .
Step 1 – Get ready to purchase
There are many things you need to take into account before starting your home search.
You'll want to put together a checklist of features you need, get a feeling for what school districts you'd like to live in, and start planning around your budget.
Ensuring your mortgage payment is less than or around 30 percent of your monthly income is a good rule of thumb to go by.
Step 2 – Get in touch with a real estate agent
This is where I come in.
We'll set up a time to meet so we can talk about why you want to buy a home and get an idea of your future plans.
We'll talk about everything from neighborhoods, schools in the Dublin area, the mortgage and housing industries, to any other economic factors that might affect your purchase today or in the future.
In addition, I'll help you get started on your loan.
There are some great mortgage professionals in Dublin, and I work with a lot of them, so you're in great hands.
They can assist you in figuring out which kind of loan is best for you and help you get qualified.
Step 3 – Start house hunting
After our initial meeting, I'll start looking for homes on the market that are good for you.
I'll research most of the houses and throw out the duds, and then we'll book appointments to view the houses whenever it's convenient for you.
When we view the homes, I'll identify positive features, as well as bad ones. And I'll ask you to tell us about things you like and don't like.
It's widely common for buyers to change their must-have list as we view homes and some features become more crucial than others.
If such is the case, I'll look through all the listings one more time and trim it down to the home you've been dreaming about.
Step 4 – Comprehend the market
My knowledge of the Dublin housing market is an imperative aspect in your house search. I'm familiar with all the school districts and neighborhoods, and I can let you know what areas are "hot" and warrant prompt action and others that are "cold" and allow for more analysis.
As we view homes, I'll let you know if the asking price has room for bargaining or if I believe the home is "priced to sell."
When working with an agent, trust your instincts and be sure to ask plenty of questions, as any REALTOR will claim to know the market.
If it seems like they don't know everything, contact me at 9259999531 or e-mail me at , and I'd be glad to answer any questions you might have. My market expertise will help you stay a step above the rest through the entire process.
Step 5 – Find the home you've been looking for
I know we'll find the home of your dreams in the Dublin area. When we do, I'll meticulously create your real estate purchase offer. The offer will be tailored exactly to your needs and the home, including a lot of contingencies. A few examples are obtaining financing, finishing the home inspection, and a clean title.
When we send in your offer, you'll want to submit "earnest money." This is a cash deposit given to the seller to secure the offer to buy the property and is often put towards the cost of closing. If the seller accepts the offer, we should close about 30 to 60 days afterward. This allows ample time for your mortgage financing.
Step 6 – Negotiate the deal
Unfortunately most deals don't close on the first offer, and it's widely common to receive a counter offer. But don't let it alarm you. We'll talk about whether or not to accept the counter offer, propose our own counter offer, or refuse the seller's offer and move on.
Market circumstances determine how aggressively we negotiate the deal.
We'll also work within your financing constraints. And when it's all said and done, we'll assemble a deal that is best for you.
Step 7 – Obtain a loan
After we sign the final deal, you'll start working with your lender to close the loan.
If you're pre-approved, it won't take very long at all, but you should to stay in close contact with your lender.
And I'll handle all the property information your mortgage lender needs to close the loan.
Step 8 – Close the deal
You'll get a Loan Estimate (LE) outlining your closing costs from your mortgage lender within three days of receiving your application.
This estimate is based on the loan amount. RESPA requirements dictate that it has to include all closing costs and fall within a close range of accuracy, and I'll analyze the estimate and let you know if everything looks okay.
Then we'll close on your house. This will probably occur at a title company or escrow office and will probably be a smooth and relaxing affair.
Step 9 – Move in
Congratulations! Now you can move into your new home. Enjoy it. And if you need anything or have any questions, make sure you contact me at 9259999531 or e-mail me at .