Buying or selling a home? At Home Real Estate Company can help.

Purchasing a home is intimidating for many people, but it's not too difficult with some up-front planning. So they understand exactly what they can expect, I'll provide buyers with an outline of the whole deal. Below 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 glad to address questions you have about this information.

Step 1 – Get ready to purchase a home
There are several things you should contemplate before you start looking for a home. When you start your search, you'll want to form a list of must-haves, get a plan of what neighborhoods and school districts you'd like to live in, and begin planning your budget. Keeping your mortgage payment less than 30 percent of your net monthly income is a good rule to adhere to.

Step 2 – Talk to a real estate agent in Loveland
This is where At Home Real Estate Company comes in. I'd like to set up a time to get together with you and communicate with you regarding your real estate needs and get an idea of your future plans. We'll discuss the mortgage industry, other economic factors that may affect your buying decision today or in the future, as well as neighborhoods and schools in the Loveland area.

I can also assist you in getting started on your loan. There are some great mortgage professionals in Loveland, and I work with a lot of them, so you'll be in great hands. They'll assist you in choosing which type of loan is best for you and help you get qualified.

Step 3 – Begin house hunting
After our first meeting, I'll begin searching for available houses on the market that are a great fit for you. I'll get a sneak peek of many of the homes and ignore the duds, and then we'll book appointments to tour the houses at a time that's convenient for you.

When we view houses, I'll identify good features and negative ones. I'll even ask you about things you like and dislike. Frequently, buyers revise their wish list as we tour homes and some things become more substantial than others. If that's the case, I'll go back through all the listings one more time and narrow it down to the home of your dreams.

Step 4 – Understand the housing market
An agent's awareness of the Loveland home market is a crucial element in your home search. And I can assure you I'm familiar with all the neighborhoods and schools, and I'll communicate which areas are "hot" and require immediate action and the ones that are "cool" and allow for cautiousness.

As we view houses, I'll let you know when the asking price has room for bargaining and also when I know the house is "priced to sell." Be mindful and be sure to ask your agent lots of questions, as every real estate agent in Loveland will claim to truly know the market. If things don't add up, just call me at (970) 203-1101 or e-mail me at , and I'll be happy to answer any questions you have. My market knowledge will help you stay a step ahead throughout the entire process.

Step 5 – Find your dream home
I know we'll find your dream home in Loveland. When that happens, I'll thoroughly create your purchase offer. The offer will be made to suit your needs and the home. We'll include many contingencies, such as getting financing, carrying out the home inspection, and a clean title.

When we present your purchase offer, you'll want to present "earnest money." This is a cash deposit given to a home seller to secure an offer to buy the property, and it's most often applied to the closing costs. If your offer is accepted by the seller, we should close on the property about 30 to 60 days afterward. This allows enough time for your mortgage financing.

Step 6 – Negotiate the deal
Unfortunately most contracts aren't closed on the first offer. It's really common to receive a counter offer. But don't let this intimidate you. We'll talk over whether or not to consent to the counter offer, submit our own counter offer, or refuse the seller's offer and go on.

The state of the market determines how aggressively we negotiate the contract. We'll also work within your financing constraints. And at the end of the day, we'll assemble a contract that works well for you.

Step 7 – Get a loan
Once the contract is signed, you'll begin working with your lender to close the loan. If you've been pre-qualified, it shouldn't take very long at all. However, you'll need to keep in close contact with your mortgage lender. And I'll take care of all the property information your lender will need to close the loan.

Step 8 – Close the deal
You'll get a Good Faith Estimate (GFE) of your closing costs from your mortgage lender within three days of getting your application. The estimate is formed from the loan amount. RESPA requirements dictate that it has to involve all closing costs and be within a strict range of accuracy, and I'll review the estimate and let you know if it all looks good.

Then it's time to close on your home. This will most often happen at a title company or escrow office and is often a smooth and calm event.

Step 9 – Move in
Congratulations! It's time to move into your new home. Enjoy it. And if you have any questions, make sure you call me at (970) 203-1101 or e-mail me at .

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