Buyers
The Home Buying Process
Buying a home is a big step! Whether you're buying your first home, your dream home, or your tenth investment property, yours will be a big investment. We know how important this is to you, and we have an army of experts to make sure we find the perfect property for your unique circumstances. We know the market and love real estate, and we'll educate you throughout the buying experience.
Finding the perfect property is just one way we can help you with your real estate purchase. As real estate agents, we have ongoing access to experts in every related field from lending to relocation.
- Initial Meeting and Consultation
- Timing analysis
- Your dream home
- Get pre-approved by a lender
- Set up a search on the MLS
- Look at properties on the online portal
- Go tour properties that you like
- Run CMA on potential winners
- Put it an offer
- Go under contract
- Make initial escrow deposit
- Begin the inspection process
- Negotiate repairs/credits
- Appraisal
- Review title and lien search
- Get final loan approval
- Final Walkthrough
- Close!
Home Buying Process
Step #1
Buyer Consultation:
- Introduction to the buying process.
- Timing analysis to align with your needs.
- Discussion about your dream home and essential features.
- Financial aspect overview with lending partner recommendations.
Step #2
Searching for Homes:
- MLS search set up for personalized home listings.
- Daily email updates with property listings.
- Initiate pre-approval process with necessary documents.
Step #3
Touring Homes:
- Set up tours for selected homes.
- Use a survey to track likes and dislikes.
- Narrow down top choices and continue the search.
Step #4
Making an Offer:
- Evaluate comparable home sales for a fair offer.
- Discuss and determine offer terms (EMD, closing date, inspection period, loan approval period, additional terms).
- Craft a competitive offer aligning with your needs.
Step #5
Offer Terms:
- EMD: 1%-2% deposit for a serious buyer.
- Closing Date: Typically 30 days with financing, 15 days with cash.
- Inspection Period: Usually 10 days for property inspections.
- Loan Approval Period: 21-30 days for final loan approval.
- Additional Terms: Discuss and consider other contingencies or terms.
Step #6
Under Contract:
- Officially under contract after offer acceptance.
- Initiate earnest money deposit (EMD) with the title company.
Step #7
Inspection Period:
- Conduct inspections, negotiate repairs/credits.
- Contract cancellation option within the inspection period.
Step #8
Loan Approval Period:
- Work closely with the lender for final loan approval.
- Appraisal to ensure the home value aligns with the contract price.
- Obtain home insurance and flood coverage if necessary.
Step #9
Title and Lien Search:
- Title search confirms legal ownership.
- Municipal lien search recommended.
- Survey ordered to check for property encumbrances.
Step #10
Closing:
- Receive closing disclosure (CD) and ALTA statement.
- Review and wire transfer final funds.
- Complete paperwork, become the new homeowner, and enjoy your new home!
- EXCELLENCE -
TESTIMONIALS
Experience excellence.
100% satisfaction.
Your success is my priority.
Diane Widdick has always gone above and beyond for me and my family. I would recommend her to anyone. She makes you feel at ease and takes every task upon herself without having to have you worry or stress about anything. She is easy to talk to, she listens and will see your vision of what you want and make it come to life.
Nanci mendel
Diane is a gem. I inherited my mom’s apartment and Diane too.
We have worked with her for fifteen or more years and always been treated well. She follows through by finding a good tenant as I am not living there yet. Also has assisted with finding the right person for any jobs that need doing.
She will really take good care of you.
J. E. Calise
Diane went well beyond our expectations when we were selling our property. She was always upbeat and professional. In fact, she constantly kept us informed of the selling process, and made sure our property looked it's best when presented to perspective buyers. We highly recommend Diane to be your agent. She'll make sure all goes smoothly and done properly.You can't go wrong with her besides you!
Steve Smith
Diane is the best! Goes above and beyond and then some more! She was there for me and my boys during a rough time. She felt the pain of losing our home with us, found us a rental, then another rental, and finally 4 years later shared in the joy of finding our new home! She is now part of our family!
Jen Walker Cline
Diane has lived and sold real estate in the area for 30 years. She's great to do business with..she makes it easy plus she's knowledgeable and finds the best deals...we love her.❤
Nancy Sciaretta
Diane, helped us find the perfect home and was wonderful to work with. She made everything very easy to navigate and was always available and helpful. I wouldn’t work with anyone else.
Mike Trampas
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