The Home Buying Process
The purchase of a home can be a life-changing event and buyers can feel as though they are swimming in a tank of sharks. It is vital that you have an experienced, knowledgeable professional ensuring that you are well-advised throughout the entire process. We will be your go-to professionals to ensure top-notch negotiation, superb time management of the entire process, and a willing ear for those moments of fear that will inevitably arise.
Determine if you are able to purchase a home. The best place to start is by talking with a Realtor®. Then when you find the perfect property you will be ready.
If you are purchasing with cash, you will need a proof of funds letter. This is a note on bank letterhead indicating you have the funds available to purchase the home you desire.
Any lender may be able to get the job done. However, a quality lender is as important as a quality Realtor®. We can recommend lenders that are professional, friendly, and most importantly skilled at matching the best financing product to buyers.
Get a consult with an experienced and ethical Realtor® to assist with identification of your needs and wants. During this time we will review the current market conditions and availability and match that with your price range and desires.
Begin searching for a home. We can locate homes for you, or you can assist with locating a home that best suits your needs. Every home on the market is also available on the internet; however, some websites are more reliable than others-so check with us to ensure you are looking in reliable locations.
Tour selected homes, identifying the features, amenities and location that best suits your needs. This is the fun part!
Submit an offer to the seller and negotiate until we have terms that are agreeable to both buyer and seller.
When submitting an offer, numerous documents are required. We will see to it that all forms are appropriately completed and that you are an informed decision maker.
It's great when buyers' and sellers' agree on price and terms on the first try. But if that doesn't happen we are there to negotiate for you.
Once an offer is accepted we will be working behind the scenes to ensure everything is being completed as scheduled. We will be in regular contact with you, your lender, and any other necessary individuals.
Make escrow deposit (often within a few days after the date of contract acceptance). This is a dollar amount that you place with a neutral party (typically the title or realty company to provide assurance to the Seller that you intend to fulfill your contractual obligation.
Make or finalize loan application (often within a few days after the date of contract acceptance). Hopefully, you are already pre-approved but if not, contact your lender and begin the loan application process.
We can provide numerous reputable inspectors to assist with this task. Time frames are important for this task and we will be keeping you informed. Once the inspection is completed, you may want to require the seller to make repairs or concessions, or you may even decide to back out of the deal altogether. We will be providing advice to help you abide by the terms of the contract.
Once inspections are completed, We will be making certain that all contract deadlines are being met. All of these deadlines are outlined in the contract that we will provide to you.
Final walk-through. Shortly before closing, we will arrange a final tour of the home. This ensures that the home is in similar condition as it was when you agreed to purchase the home.
This is the big day, but don’t worry, we are still on top of things to keep today’s closing as our top priority. The closing process can take up to several hours; this often depends on the lender. Often, the keys to your new home are handed over at closing. Sometimes, as in the case of a REO owned property, keys may not be handed over until the next day or so.
We will be ensuring that you get moved in and will assist with providing utility information, etc. We plan to be your Realtor® for many years to come, so don't hesitate to reach out at any time for questions about the real estate market, or to obtain an updated value of your home.
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what our customers say!
Sold our home in less than 3 weeks and above asking price. Will be using him again to sell our other home in the very near future. You wont be disappointed in selecting Chuck and his team, I recommend you start packing once you bring him on board.
Kyla helped me find my perfect home. She was helpful, knowledgeable, and most importantly, she listened to my wants and needs! We searched until we found my perfect home. She stayed on top of the inspections and mortgage broker requirements until closing day. I could not have chosen a better partner for my home search. Thank you, Kyla! You are a rock star and I could not be happier.
Chuck is just the best! So friendly, helpful and quite the funny guy 🙂 we loved him ?? and after all of our shenanigans, house to house to house to house……he was so patient and would even tell us if he thought we were in over our head. Sometimes we saw “a little fix here and there” but chuck saw a headache! He’s not in it for a quick sale! That’s why, we’re going to buy another house! We purchased our house a little over a year ago but we’re ready to move on….I’ll be call you soon Chuck!
Jess & Colin
Words can never express how much I enjoyed and loved working with Kyla. For me, I never wanted to work with a realtor due to fears of them scamming me and just “talking a good game”. Kyla eased that fear the very first time we met. She was personable and she answered questions in a way that made you actually answer your own questions in order for you to be the sole driver of the process while she copiloted and snatched the wheel when need be. Lol. She was available when needed most and very understanding when questions came up in the wee hours of the night. Would I recommend her, ABSOLUTELY!! Kyla thank you again for all that you’ve done for my family and I! YOU ROCK!
Kyla was excellent. She was very kind & understanding. The closing on my home was a mess! Everything that could go wrong, did go wrong. Kayla sat with me the entire day at the closing office waiting for a wire transfer. She made a difficult day much easier for me. The purchase of my new home was swift & easy bc of her. She also made sure that I won the bid on my new home with a secret she uses, as there were 5 offers!! I would highly recommend her to anyone buying or selling.
Chuck was everything you could ask for in a realtor – smart, responsive, thorough and genuinely kind and honest. After meeting with other realtors, we were so happy we went with Chuck. He really listened to us, gave us sage advice and made the selling process a breeze. Doesn’t get better than that!