Most homes are purchased through the use of a mortgage.  If you are paying cash, most of these steps will not apply.  But if you need a mortgage to buy a home, here are the steps:

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Now you are ready to search for a home.  Find out what’s available.  We can show you all the listings.

Structure, Features and Resale Value of the house may be your primary considerations, but we’ll show you other issues you should also consider.

Make an offer on the house. We’ll manage that legally, efficiently, and affordably.

Always do a home inspection, because what you see isn’t always what you get. We know what to look for, and which inspections are best.

After your offer is accepted by the seller, we know that some things can still go wrong with the closing process. We check on that process regularly and know how to fix any problems that may come up.

Take a final walk through. Plan to do certain renovations before you move in. We’ll help you adjust to your new house, or occasionally help adjust the house to you.

Ask us as many questions as needed to help you understand the home buying process. We know this is a major commitment emotionally, financially and socially.

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Your Financial Readiness: Your Credit Score is the key.

You must have your credit approved to acquire a mortgage.  And better credit means a better interest rate and better terms for the mortgage.  We’ll show you how to check your credit score and, if necessary, improve your credit rating.

Get the right loan and the right lender. It’s not just about location, location, location.

We’ll help you.

Get a winning position in the negotiation process - The pre-approved loan is a great way to find out how much house you can afford and how motivated the seller is. We can make these arrangements.

Be clear what you want and need in a house. It will make buying a home easier.

A real estate agent can have many loyalties. Make sure your agent is only working for you.  With us, you can be completely confident.