The 8 Steps to Home Ownership

Step - 1 Make the Decision to Buy

It seems obvious, but it's good to note that the first step to buying a house is making the decision to buy. Consider the reasons you want a new house and write them down. Determine how long you want to live in the new house does buying still make good financial sense? Can you afford a house that will meet your list of requirements? A good rule of thumb is your mortgage payment should not exceed 1/3 of your net monthly income.

Step 2 - Seek Professional Guidance

We would like to schedule a time to speak with you to hear the reasons you want to buy a house and your plans for the future. We'll talk about neighborhoods, schools, economic factors liable to affect the market today and tomorrow, as well as how you would like your house and neighborhood to grow with you.

At this time, we also help you get pre-qualified for a mortgage loan. Pre-qualification is a written statement from a loan officer indicating his or her opinion that you will be approved for a mortgage loan up to a certain amount. The fact that you are pre-qualified will help us when we are negotiating the deal.

Step 3 - Begin the Hunt

After our initial phone conversation, we will provide you with information from our new homes directory as well as providing you with resources so you can seach for new homes on the market that fit your criteria. You will be able to email the new home listing and homebuilder information that interest you.

Step 4 - Know the Market

Our knowledge of the local market is an essential factor in the new home search. We will let you know when the market in a particular neighborhood is "hot" and requires immediate action or when the market is "cool" and allows for thoughtful consideration.

Once you select a new home, We will contact the homebuilders agent to find out if the the asking price has negotiating room. Our unique market knowledge will keep you a step ahead of the "On the New Home Buying Process".

Step 5 - Find Your Dream House

We are confident we'll can find your dream Home. When we do, We will have the builders agent put together the purchase offer tailored for your needs including appropriate contingencies (such as obtaining financing, favorable home inspection, clear title, etc.).

The offer is normally presented with "earnest money". This is a cash deposit made to a home seller to secure an offer to buy the property. The amount is applied to closing costs. If the seller accepts the offer, generally closing is held 30 to 60 days from the offer date (generally dependent on the turn around time of your mortgage financing).

Step 6 - Room to Negotiate on New Homes

If you are looking to purchase a new home to be built most homebuilders will not come off their asking price. Although, homebuilders will offer incentives such as an upgrades package or paying your closing cost.

Negotiation could be possible on inventory homes. Homebuilders are paying taxes on the home and are useually tring to close out an subdivision. For these reasons they will be more likely to come down on their price.

Step 7 - Get a Loan

Our website provide you with lots of informaion on getting morgtage, lenders, and getting pre-quailified. Take avantage of this information.

Step 8 - Move In

Congratulations! It's time to move into your new house and make it your home. Enjoy this exciting time. I'll give you a checklist to help you remember the numerous details that will make your moving day a pleasure.

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