Buying a new home in Dublin with Provident Realty Group

For many people, buying a home is a stressful event. But with a little up-front planning, it's not that hard. I like to furnish buyers with an overview of the entire deal so they understand exactly what to expect. These are my nine steps to purchasing a home. When you're ready to get started, you can contact me here or e-mail me at . I'm glad to answer questions you have about this information.

Step 1 – Prepare to purchase
There are many things you should consider prior to starting your home search. When you start your search, you'll want to make a checklist of features you want, get a feel for what neighborhoods you'd like to live in, and start planning your budget. Keeping your mortgage payment less than or around 1/3 of your net monthly income is a good rule of thumb to go by.

Step 2 – Get in touch with a real estate agent
That's where I come in. We can arrange a time to meet so we can talk about why you want to buy a home and get an idea of your upcoming plans. We'll talk about neighborhoods, school districts 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'll also assist you in getting started on your loan. There are some excellent mortgage professionals in Dublin, and I partner with a lot of them, so you're in great hands. They will assist you in determining which type of loan is best for you and help you get qualified.

Step 3 – Start looking for a home
Following our first meeting, I'll begin searching for available houses on the market that are a great fit for you. I'll preview many of the houses and eliminate the bad ones, and then we'll schedule appointments to view the homes whenever it's most convenient for you.

When we tour the homes, I'll call attention to positive features, as well as negative ones. I'll also ask you what things you like and don't like. For the most part, buyers revise their must-have list as we view homes and some things become more important than others. If that's the situation, 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 housing market
An agent's understanding of the Dublin market is a necessary factor in your house search. And I assure you I'm familiar with all the school districts and neighborhoods, and I will let you know which districts are "hot" and require immediate action and the ones that are "cold" and allow for thoughtful examination.

As we tour houses, I'll be sure to tell you when the seller's list price has room for negotiation and also when I believe the home is "priced to sell." Every REALTOR will tell you they truly understand the home market, but beware, and be sure to ask a lot of questions. If things don't add up, just call me at 9259999531 or e-mail me at , and I'd be glad to answer any questions you have. My understanding of the market will keep you a step above the rest through the entire process.

Step 5 – Find the home of your dreams
We'll find the house of your dreams in Dublin, and when we do, I'll thoroughly create your real estate purchase offer. The offer will be made to fit your needs and the home. We'll include many contingencies, such as obtaining financing, finishing the home inspection, and a clean title.

Upon turning in your purchase offer, you'll want to present "earnest money." This is a cash deposit made to a home seller to secure the offer to buy the property, and it's usually applied to the closing costs. If the offer is accepted by the seller, we should close on the property about 30 to 60 days after. This allows necessary time for your mortgage financing.

Step 6 – Negotiate
Most deals aren't closed on the initial offer, and it's pretty common to receive a counter offer. But don't let this alarm you. We'll figure out whether or not to consent to the counter offer, propose our own counter offer, or refuse the seller's offer and go on.

How aggressively we negotiate the contract depends on the state of the market. We'll also work within your financing budget. And when it's all said and done, we'll formulate a deal that's best for you.

Step 7 – Obtain your loan
Upon signing the deal, you'll begin working with your mortgage lender to close the loan. If you've been pre-qualified, it shouldn't take long at all, but you should to keep in close contact with your lender. And I'll sort out all the property information your mortgage 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 accepting your application. You'll get a Loan Estimate (LE) detailing closing costs from your lender within three days of receiving your application. This estimate depends on the loan amount. RESPA requirements mandate that it has to involve all closing costs and fall within a close range of accuracy, and I'll go over the estimate and let you know if it all looks all right.

Then it's time to close on your home. This will most likely happen at a title company or escrow office and will most often be a smooth and easygoing event.

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

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Provident Realty Group

6850 Regional Street Suite 210
Dublin, CA 94568