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

Buying a home is an intimidating event for a lot of people. However, with some planning ahead of time, it isn't very difficult. So they'll understand exactly what to expect, I'll supply buyers with a road map of the entire deal. Below 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 happy to answer any questions you have regarding this information.

Step 1 – Get ready to purchase a home
Before you start looking for a home, there are plenty of things you'll want to contemplate. You'll most likely want to form a checklist of features you want, get a feeling for what school districts you want to live in, and begin planning around your budget. A good rule to follow is that your mortgage payment should be a third of your monthly income.

Step 2 – Get in touch with a real estate agent in Greenfield
This is where Realiteam Real Estate Group can help. I'd love to plan a time to meet with you and communicate with you 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 Greenfield area, the mortgage and housing industries, and any additional economic factors that might affect your buying decision today or in the future.

I can also help you get started on your loan. I work with some of Greenfield's best mortgage professionals, so you'll be in great hands. They will help you choose which kind of loan is best for you, as well as help you get approved.

Step 3 – Start house hunting
After we meet for the first time, I'll start looking for available houses on the market that suit your needs. I'll get a sneak peek of most of the houses and exclude the bad ones, and then we'll book appointments to tour the houses whenever it's most convenient for you.

As we view the homes, I'll show you the good features, as well as negative ones. I'll also ask you about things you like and dislike. It's pretty common for buyers to change their list of must-haves as we view houses and some things become far more necessary than others. If that happens, I'll go back through the listings once again and narrow it down to the home of your dreams.

Step 4 – Know the housing market
Your agent's knowledge of the Greenfield market is a crucial component in your home search. And I can assure you I'm familiar with all the schools and neighborhoods, and I'll let you know which districts are "hot" and warrant prompt action and others that are "cool" and allow for more examination.

As we view houses, I'll be sure to tell you when the asking price has room for bargaining and when I believe the home is "priced to sell." When working with an agent, be mindful and make sure you ask plenty of questions. Every REALTOR will tell you they truly know the housing market. If things don't add up, contact me at 4147278280 or e-mail me at , and I'll be happy to answer any questions you might have. My understanding of the market will help you stay a step above the rest through the entire deal.

Step 5 – Find the home you've been looking for
I'm sure we'll find the house of your dreams in the Greenfield area. 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 several contingencies, such as getting financing, completing the inspection, and a clear title.

When we submit your purchase offer, you'll likely need to submit "earnest money." This is a cash deposit submitted to the seller to secure the offer to purchase the property and is most often put towards the closing costs. If the seller accepts your offer, we should close on the property within 30 to 60 days afterward. This allows necessary time for your mortgage financing.

Step 6 – Negotiate
A lot of contracts don't close on the beginning offer. It's extremely common to receive a counter offer. But don't let this discourage you. We'll consider whether or not to accept the counter offer, present our own counter offer, or reject the seller's offer and go on.

Market circumstances will play a vital role in how aggressively we negotiate the contract. We'll also work within your financing constraints. And when it's all said and done, we'll put together a contract that works well for you.

Step 7 – Secure financing
Upon completion of the deal, you'll begin working with your lender to close the loan. It shouldn't be a long process at all if you're already pre-qualified, but you'll want to stay in close contact with your mortgage lender. And I'll look after all the property information your lender needs to close the loan.

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

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

Step 9 – Move in
Congratulations! It's time to move into your new house. Enjoy it. And if you need anything, simply call me at 4147278280 or e-mail me at .