Buying your home in Dublin?

With some planning ahead of time, purchasing a home isn't all that hard, but the event can be stressful for many people. So they know exactly what they can expect, I like to provide buyers with an overview of the whole deal. Below are my nine steps to purchasing a home. If you have questions about any of this information or if you're ready to get started, just contact me here or e-mail me at .

Step 1 – Prepare to purchase
There are many things you need to contemplate before commencing your home search. You'll most likely want to make a checklist of items you want, get an idea of what school districts you want to live in, and start working on your budget. Ensuring your mortgage payment is less than 1/3 of your monthly income is a good guideline to adhere to.

Step 2 – Communicate with a real estate agent
This is where Provident Realty Group comes in. We can plan a time to get together so we can talk about your real estate needs and get an idea of your future plans. We'll discuss everything from neighborhoods, school districts in the Dublin area, the mortgage industry, to any other economic factors that could affect your buying decision today or in the future.

In addition, I'll help you facilitate the loan process. I work with some of Dublin's best mortgage professionals, so you're in great hands. They will assist you in deciding which kind of loan is best for you and help you get approved.

Step 3 – Start house-hunting
After our initial meeting, I'll start finding available houses on the market that best suit you. I'll get a sneak peek of most of the houses and exclude the duds, and then we'll book appointments to tour the houses when it's convenient for you.

When we view homes, I'll point out good features and bad ones. And I'll ask you to point out what things you like and dislike. It's widely common for buyers to update their must-have list as we tour houses and some features become far more important than others. If that's the situation, I'll look through all the listings another time and trim it down to the home you've been dreaming about.

Step 4 – Understand the housing market
An agent's knowledge of the Dublin home market is an imperative element in your home search. And I can assure you I'm familiar with all the schools and neighborhoods, and I'll alert you to which neighborhoods are "hot" and require prompt action and the ones that are "cold" and allow for careful consideration.

When we tour 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, be mindful and make sure you ask a lot of questions. Every real estate agent will claim to truly know the market. If it appears they don't know everything, contact me at 9259999531 or e-mail me at , and I'll be more than happy to answer your questions. My knowledge of the market will keep you a step above the rest throughout the entire process.

Step 5 – Find the home of your dreams
We'll find the home of your dreams in Dublin, and when that happens, I'll precisely develop your home purchase offer. The offer will be tailored to suit your needs and the home, including a lot of contingencies. A few examples are getting financing, completing the home inspection, and a clean title.

Upon submitting your offer, most likely you'll want to present "earnest money." This is a cash deposit given to a seller to secure the offer to buy the property, and it's usually applied to the closing costs. If the seller accepts your offer, we should close about 30 to 60 days after. This allows plenty of time for your mortgage financing.

Step 6 – Negotiate
Unfortunately most deals aren't closed on the beginning offer, and it's really common to receive a counter offer. But don't let this intimidate you. We'll discuss whether or not to consent to the counter offer, propose our own counter offer, or reject the seller's offer and move on.

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

Step 7 – Obtain a loan
Once the contract is signed, you'll begin working with your lender to close the loan. If you're already pre-approved, it won't take much time at all, but you need to stay in close contact with your mortgage lender. And I'll sort out all the property information your lender needs to close the loan.

Step 8 – Close the deal
You'll get a Loan Estimate (LE) outlining closing costs from your lender within three days of accepting your loan application. This estimate rests on the loan amount. RESPA requirements require that it has to involve all closing costs and fall within a tight range of accuracy, and I'll examine the estimate and let you know if it all looks adequate.

Then we'll close on your home. This will most likely occur at a title company or escrow office and should be a smooth and relaxed event.

Step 9 – Move in
Congratulations! It's time to move into your new house. Enjoy it. And if you have any questions, be sure to call me at 9259999531 or e-mail me at .

Looking to Buy?

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Provident Realty Group

6850 Regional Street Suite 210
Dublin, CA 94568