Buying or selling a home? Realiteam Real Estate Group can help.

Purchasing a home is an intimidating event for a lot of people. However, with some planning ahead of time, it isn't very complex. So they'll know exactly what to expect, I like to supply buyers with an overview of the entire deal. Here are my nine steps to buying 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 regarding this information.

Step 1 – Prepare to buy
There are plenty of things you should do prior to beginning your home search. When you begin your search, you'll probably want to create a checklist of features you need to have, plan for what school districts you want to live in, and start planning your budget. A good rule to go by is that your mortgage payment should be less than or around a third of your net monthly income.

Step 2 – Connect with a real estate agent in Greenfield
That's where I can help. I'd be more than happy to arrange a time to meet with you and speak with you about why you want to buy a home and get an idea of your plans for the future. We'll discuss neighborhoods, school districts in the Greenfield area, the mortgage and housing industries, and any additional economic factors that might affect your buying decision today or in the future.

In addition, I'll help you begin the loan process. Realiteam Real Estate Group partners with some of Greenfield's finest mortgage professionals, so you can rest assured that you're in great hands. They'll assist you with figuring out which type of loan is best for you and help you get qualified.

Step 3 – Begin your search
After we meet, I'll begin looking for homes on the market that best suit you. I'll research many of the houses and remove the duds, and then we'll book appointments to tour the houses at a time that's convenient for you.

As we tour houses, I'll call attention to positive features and bad ones. I'll even ask you to point out what things you like and don't like. For the most part, buyers amend their wish list as we view houses and some features become far more essential than others. If that's the case, I'll search all the listings once again and trim it down to the house you've been dreaming about.

Step 4 – Know the housing market
My understanding of the Greenfield market is an imperative element in your home search. I am conscious of all the neighborhoods and schools, and I can let you know some areas are "hot" and warrant immediate action and others that are "cool" and allow for careful analysis.

As we view homes, I'll make sure to communicate if the asking price has room for bargaining or if I believe the home is "priced to sell." When working with an agent, be careful and make sure you ask lots of questions, as every REALTOR in Greenfield will convince you they understand the housing market. If it seems like they don't know everything, just call me at 4147278280 or e-mail me at , and I'd be glad to answer your questions. My market expertise will help you stay a step above the rest throughout the entire deal.

Step 5 – Find the home you've been looking for
We'll find the home of your dreams in Greenfield, and when that happens, I'll carefully create your home purchase offer. The offer will be made to fit your needs and the home. We'll include some contingencies, such as getting financing, finishing the home inspection, and a clear title.

When turning 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, we should close on the property within 30 to 60 days afterward. This allows necessary time for your mortgage financing.

Step 6 – Negotiate
Unfortunately most contracts don't close on the beginning offer, and it's widely common to receive a counter offer. Don't let it intimidate you. We'll talk over whether or not to consent to the counter offer, present our own counter offer, or refuse the seller's offer and move on.

Market circumstances will play a part in how aggressively we negotiate the deal. We'll also work within your financing limits. And at the end of the day, we'll formulate a contract that is best for you.

Step 7 – Obtain your loan
Once the deal is finalized, you'll start working with your mortgage lender to close the loan. This shouldn't take long at all if you're pre-qualified, but you'll need to stay in close contact with your 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) outlining closing costs from your lender within three days of accepting your loan application. This estimate rests on the loan amount. RESPA requirements dictate that it has to include all closing costs and be within a strict range of accuracy, and I'll go over the estimate and let you know if everything looks good.

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

Step 9 – Move in
Congratulations! Now you can move into your new home. Enjoy it. And if you have any questions, be sure to call me at 4147278280 or e-mail me at .