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Whether you’re considering buying a new home or have already made the decision, we’ve got your back. If you’ve got questions about the process, pricing, or anything else, you’re in the right spot. Let’s make your home-buying decision a breeze!
Local Market update for December 2024
The home buying process
Getting pre-approved for a mortgage is a crucial first step in the home-buying process. It shows sellers that you're serious and ready to make an offer, giving you a competitive edge in today's market. Pre-approval also helps you understand how much house you can afford, your estimated monthly payments, and the cash you'll need at closing. By having your financial details reviewed upfront, you'll save time and stress, making your home-buying journey smoother and more efficient. Think of it as your golden ticket to homeownership!
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Writing a winning offer is all about standing out while keeping things simple. Get creative and focus on what matters most to the seller—whether it’s a quick closing, extra time to move, or fewer contingencies. Flexibility can go a long way, so consider tailoring your offer to fit their timeline and needs. Avoid overloading the purchase agreement with too many requests, as this can overwhelm the seller and make them think you’ll be difficult to work with. A clean, well-thought-out offer shows you’re serious and makes it easier for the seller to say yes!
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A home inspection is a crucial step in the buying process, giving you a clear understanding of the property’s condition and providing valuable peace of mind. While inspectors may not catch every issue—especially those hidden behind furniture or hard-to-reach places—they thoroughly examine the major systems and structure. This helps you anticipate potential repairs, request necessary fixes, and make informed decisions before closing.
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A final walk-through is a buyer’s last opportunity, usually just before closing, to inspect the home they’re purchasing. This brief visit ensures that the property’s condition hasn’t changed since the initial agreement, that any agreed-upon repairs have been completed, and that nothing unexpected has occurred (like damage or items left behind). It’s not another full inspection, but rather a simple check to confirm that the home is ready for you to take ownership as promised.
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At closing, you’ll meet at the title company’s office to review and sign all the final paperwork for your new home. This includes loan documents, the deed, and any seller disclosures. Your lender, real estate agents, and the seller may also be present. Before you sign, you’ll receive a Closing Disclosure outlining your final costs, so you know exactly what to expect. After all signatures are complete, you’ll get copies of the documents, and the keys to your new home will be yours. It’s the final step in the process, marking the moment you officially become a homeowner!
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Top Homebuyer FAQ
