Steve’s Home Buying Process

---

Choosing me as your realtor means receiving personalized service tailored to your specific needs, backed by expert negotiation and deep local market knowledge. I’ll ensure a smooth, seamless process by handling all the details, while guiding you through each step. With ongoing support, I’m here to help you achieve your real estate goals efficiently and successfully.

Mortgage pre-approval is a process where a lender reviews your financial situation—such as income, credit score, and debt—to determine how much they are willing to lend you for a home purchase. This gives you a clear budget and shows sellers you’re a serious buyer with financing in place, making your offer more competitive. Pre-approval helps streamline the home-buying process and gives you confidence in your ability to secure a mortgage.

When a realtor shows houses, they schedule appointments to view properties that match your preferences and budget. During the tour, the realtor highlights key features of each home, answers your questions, and provides insights into the property's condition, value, and potential. They may also point out important details you might overlook and offer professional advice to help you make informed decisions. Afterward, they guide you in comparing homes and assist with next steps if you find one you want to pursue.

Presenting an offer on a home is the process where I will submit a formal proposal to the seller, outlining the price you're willing to pay along with any terms and conditions, such as contingencies, closing date, and financing details. I will help you craft a competitive offer based on market conditions, comparable sales, and the home’s value. Once the offer is submitted, the seller can accept, reject, or counter it, and Steve will handle the negotiations to secure the best possible outcome for you.

Once your offer is accepted, a home inspection is conducted to assess the property’s condition. If any issues are found, Steve can help negotiate repairs or adjustments. Afterward, both parties finalize the purchase contract, which outlines all terms, including contingencies and closing timelines. Steve and your Attorney will ensure the agreement is accurate and guides you through the signing process as you move toward closing.

After all contracts are signed, mortgage funding takes place, where your lender finalizes the loan and transfers the necessary funds to complete the purchase. Before closing, you’ll do a final walk-through of the home to ensure it’s in the agreed-upon condition and any requested repairs have been completed. On closing day, you'll sign all remaining paperwork, finalize the transfer of funds, and officially receive the keys to your new home. At this point, the property becomes yours, marking the successful completion of the home-buying process.

A no obligation consultation where I will assess your needs, preferences, and budget to help you find the right property. I will also explain the home-buying process, discuss financing options, and set expectations for current market conditions.