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The Home Buying Process
Pre-Approval
The first step is connecting with a trusted lender to get pre-approved. They’ll review your income, credit, debt, and savings to determine what loan program and price range fit comfortably within your budget. Your pre-approval letter strengthens your position when we make an offer. Many first time home buyer programs exist to help you with down payment and closing costs!
Viewing Homes & Writing an Offer
Once you're pre-approved, we’ll start viewing homes that fit your needs, lifestyle, and comfort zone. When you find “the one,” I’ll guide you through writing a competitive offer. This includes discussing price, earnest money, closing dates, and any terms that help protect you as the buyer. Your agent is hired to work for YOU on your behalf.
Home Inspection
After your offer is accepted, we enter the inspection period. A licensed home inspector evaluates the property to make sure it’s safe and functioning properly. You may also consider additional inspections like radon, sewer line, or termite inspections. I’ll help you interpret the findings and decide the best next steps. A+ Realty reccomends that you have budgeted about $1,000 to $1,500 dollars to pay for your home inspection. This cost is out of pocket and due at the time of the inspection.
Appraisal and Survey
Your lender orders an appraisal to confirm the home’s value matches the purchase price. This protects you and the bank by ensuring you’re paying a fair amount. If anything comes back unexpected, I’ll help you navigate the options.
Some lenders require a property survey to verify boundaries and check for encroachments. This helps confirm things like fence lines, sheds, and other structures are positioned correctly on the property.