Buying a home can seem daunting. I get it! That's why, one of the most important things when considering buying (or selling) a home is making sure you have a strong team supporting you. With the right people helping you through the process, it should be as smooth as possible. Don't get me wrong, some times there are things that pop up that are unforeseen but that's why you have professionals helping you every step of the way.
So who will you be working with during your home buying journey?
Your Realtor: That’s me! As your realtor you can think of me as your project manager.
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- I make sure you are educated about the process and have clear expectations going in.
- I guide the process and present you with all relevant information so you can make the best decisions for yourself.
- I make sure we stay on track throughout the process while making it as stress free as possible for you.
- I come to you with solutions, not problems.
- I negotiate and make sure that your best interests are always represented.
Also as your realtor I help you put together this team so that you don’t have to worry about finding each person on your own. I have amazing partnerships with some of the best people in the industry and work hard to maintain a strong and growing team to support you.
Next up? Your lender! Sometimes you'll hear them referred to as mortgage brokers, loan officers, or loan originators. Lenders are some of the first people you'll speak to in your home buying journey. They will look at your financials and come up with a game plan to get you the financing you need to purchase your home.
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They look at: Debt- to- income ratio (DTI), Credit Score, Assets, and your Income
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If you need a little help with credit repair Lenders are the ones that can get you on the right track. They find the right loan for you and then do ALL the behind the scenes work to make sure you are clear to close for settlement day.
Next, your Insurance Agent: Your home insurance ensures you can repair your home, as well as the items you value in it. Personal property is covered even if you're on vacation, running errands or holding items in storage. It's important to speak to the right representative from the right company in order to make sure you're protected.
Home Inspector: In most cases your home inspection will take place 7-10 after you go under contract. A home inspection is a non-invasive visual examination of a home which is designed to identify observed material defects. This may include any combination of mechanical, structural, electrical, plumbing, or other essential systems or portions of the home. A home inspection is intended to assist in evaluation of the overall condition of the home. Finding the right home inspector can save you a lot of headaches and a lot of money down the line.
Finall your Title Officer: There are normally three parts to a real estate purchase transaction- getting a loan, finding the perfect home, and transferring ownership from the seller to the buyer. Title handles the documentation and funds required for the transfer. Essentially they are making sure that the seller in fact owns the house and can transfer the title free and clear to you as the buyer. They also sit with you at the settlement table and collect signatures to make it official.
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As you can see there a LOT of moving pieces when it comes to buying a home. Your team is so important and who you work with matters. So, now that you know who you'll have working with you you're ready to start the process!
