Looking to purchase your new home in Dublin? Provident Realty Group can help.

Buying a home intimidates a lot of people, but with some planning ahead of time, it isn't that difficult. I like to furnish buyers with a road map of the whole deal so they'll know exactly what they can expect. Here are my nine steps to buying a home. Should 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 a home
There are a lot of things you'll want to contemplate before starting your home search. When you begin your search, you'll want to form a list of items you want to have, get a feeling for what neighborhoods you'd like to live in, and start planning around your budget. Keeping your mortgage payment less than or close to 1/3 of your net monthly income is a good principle to adhere to.

Step 2 – Connect with a real estate agent
That's where I can help. We can schedule a time to meet so we can talk about your real estate needs and get an idea of your upcoming plans. We'll discuss neighborhoods, school districts in the Dublin area, the mortgage industry, and any other economic factors that might affect your purchase today or in the future.

I'll also help you begin the loan process. Provident Realty Group partners with some of the best mortgage professionals in Dublin, so you're in great hands. They will assist you in deciding which type of loan is best for you and help you get qualified.

Step 3 – Start your search
After our initial meeting, I'll begin finding available houses on the market that are a great fit for you. I'll get a sneak peek of many of the homes and eliminate the duds, and then we'll schedule appointments to tour the houses at a time that's convenient for you.

As we tour homes, I'll call attention to good features, as well as bad ones. I'll also ask you to point out what things you like and dislike. It's pretty common for buyers to amend their wish list as we view homes and some features become far more substantial than others. If such is the case, I'll go back through all the listings once again and trim it down to the house you've been dreaming about.

Step 4 – Get a grasp of the market
My knowledge of the Dublin market is an essential agent in your house search. I'm informed of all the school districts and neighborhoods, and I'll alert you to which districts are "hot" and warrant immediate action and some that are "cold" and allow for careful examination.

When we view houses, I'll let you know if the 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 be sure to ask plenty of questions, as any real estate agent will claim to know the home market. If it doesn't seem like they know everything, contact me at 9259999531 or e-mail me at , and I'll be more than happy to answer any questions you have. My understanding of the market will help you stay a step ahead through the entire process.

Step 5 – Find the house you've been looking for
We'll find your dream house in the Dublin area, and when that happens, I'll precisely create your home purchase offer. The offer will be tailored exactly to your needs and the home, including many contingencies, such as getting financing, completing the home inspection, and a clean title.

When sending in your purchase offer, you'll likely need to present "earnest money." This is a cash deposit submitted to a seller to secure the offer to purchase the property. The amount is most often applied to the cost of closing. If your offer is accepted, we should close about 30 to 60 days after. This allows enough time for your mortgage financing.

Step 6 – Negotiate
Most contracts aren't closed on the beginning offer. It's really common to receive a counter offer. Don't let it discourage you. We'll consider whether or not to agree to the counter offer, propose our own counter offer, or refuse the seller's offer and go on.

Market circumstances determine how aggressively we negotiate the contract. We'll also work within your budget. And when it's all said and done, we'll put together a deal that's best for you.

Step 7 – Secure a loan
Once the contract is signed, you'll start working with your mortgage lender to close the loan. If you're already pre-qualified, it shouldn't take very long at all, but you need to stay in close contact with your mortgage lender. And I'll manage all the property information your lender needs to close the loan.

Step 8 – Close the deal
Your mortgage lender will provide you with a Loan Estimate (LE) of your closing costs within three days of receiving your application. You'll get a Loan Estimate (LE) of your closing costs from your lender within three days of getting your application. The estimate depends on the loan amount, and RESPA requirements mandate that it has to involve all closing costs and be within a close range of accuracy. I'll examine the estimate and let you know if it all looks permissible.

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

Step 9 – Move in
Congratulations! It's time to move into your new home. Enjoy it. And if you need anything, simply contact me at 9259999531 or e-mail me at .

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Provident Realty Group

6850 Regional Street Suite 210
Dublin, CA 94568