Are you buying a new home in Greenfield? Realiteam Real Estate Group can help.

Purchasing a home is intimidating for a lot of people, but with a bit of up-front planning, it's not all that complex. So they know exactly what to expect, I will provide buyers with an overview of the entire deal. Here are my nine steps to buying a home. When you're ready to get started, simply contact me here or e-mail me at . I'm happy to answer any questions you have about this information.

Step 1 – Get ready to purchase
There are several things you'll want to consider before you start searching for a home. You'll most likely want to make a checklist of features you need to have, get an idea of what neighborhoods and school districts you'd like to live in, and begin working on your budget. Keeping your mortgage payment less than or close to a third of your net monthly income is a good rule to adhere to.

Step 2 – Contact a real estate agent
This is where I come in. We'll set up 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 the mortgage and housing industries, other economic factors that may affect your purchase today or in the future, as well as neighborhoods and school districts in the Greenfield area.

In addition, I'll help you begin the loan process. Realiteam Real Estate Group works with some of the best mortgage professionals in Greenfield, so you're in great hands. They will assist you with determining which type of loan is best for you and help you get approved.

Step 3 – Begin looking for a house
After we meet for the first time, I'll start finding houses on the market that are a great fit for you. I'll preview most of the houses and reject the duds, and then we'll book appointments to view the homes whenever it's most convenient for you.

When we view the homes, I'll identify good features and negative ones. I'll also ask you about things you like and don't like. For the most part, buyers revise their list of must-haves as we view houses and some items become more essential than others. If that's the situation, I'll look through the listings once more and narrow it down to the home you've been wishing for.

Step 4 – Understand the market
An agent's knowledge of the Greenfield home market is a fundamental element in your house search. And I assure you I'm familiar with all the school districts and neighborhoods, and I'll let you know some areas are "hot" and demand immediate action and others that are "cool" and allow for thoughtful consideration.

As 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." Every REALTOR in Greenfield will tell you they truly know the market, but trust your instincts, and make sure you ask your agent a lot of questions. If things don't add up, contact me at 4147278280 or e-mail me at , and I'd be glad to answer any questions you might have. My knowledge of the market will keep you a step ahead through the entire deal.

Step 5 – Find the home you've been waiting for
I'm certain we'll find the home of your dreams in Greenfield. When we do, I'll thoroughly create your home purchase offer. The offer will be made to suit your needs and the home. We'll include a lot of contingencies, such as getting financing, completing the inspection, and a clear title.

Upon presenting your offer, you'll need to submit "earnest money." This is a cash deposit made to the home seller to secure the offer to purchase the property. The amount is most often put towards the closing costs. If the seller accepts the offer, we should close within 30 to 60 days after. This allows sufficient time for your mortgage financing.

Step 6 – Negotiate
Unfortunately most deals don't close on the initial offer, and it's very common to receive a counter offer. But don't let this discourage you. We'll discuss whether or not to consent to the counter offer, submit our own counter offer, or refuse the seller's offer and move on.

Market conditions will play a big part in how aggressively we negotiate the deal. In addition, we'll work within your financing budget. And at the end of the day, we'll create a deal that works well for you.

Step 7 – Obtain a loan
Once we sign the final deal, you'll begin working with your lender to close the loan. It won't take very long at all if you're pre-qualified, but you need to keep in close contact with your lender. And I'll handle all the property information your lender will need to close the loan.

Step 8 – Close the deal
Your lender will furnish you with a Loan Estimate (LE) outlining your closing costs within three days of getting your loan application. You'll get a Loan Estimate (LE) of your closing costs from your lender within three days of receiving your loan application. The 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 examine the estimate and let you know if everything looks good.

Then it's time to close on your house. This should take place at a title company or escrow office and will probably be a smooth and hassle-free event.

Step 9 – Move in
Congratulations! Now you can move into your new house. Enjoy it. And if you need anything or have any questions, simply contact me at 4147278280 or e-mail me at .

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