Everything you need to know to purchase a new home ... step-by-step and stress-free.
A complete step-by-step guide to buying a new home in 2021.
Checklist to keep yourself on track throughout the entire process.
The lender performs an appraisal to make sure the market value of the property matches the purchase price.
Allows the attorney and buyer time to review the terms of the contract AND negotiate with the other side, too.
Certificate of Occupancy
The document stating the building is in good condition for occupants.
The final step in buying a home!
The first installment payment to secure the property.
A close look at the property to assess the condition or discover any shortcomings.
Looking closely at the property’s title history is a crucial step to getting to the closing table.
Ensures there are no liens or judgments attached to the property.
Agreement by which a creditor lends money in exchange for taking a title of the property, with the condition that the title becomes void upon payment of the mortgage.
Open discussions or modifications.
Sellers have accepted an offer from a buyer, but the sale has not yet been completed.
HOME BUYER CHECKLIST:
Buyer and Seller sign a contract - offer accepted!
Submit deposit money
Schedule house inspections
Order appraisal and
Review inspection results, and submit repair requests to Seller
Complete home inspections and repair or damage negotiations
Receive appraisal and negotiate
Receive Mortgage and title commitment
The average closing timeline is 45-60 days … Patience is the key [to your new home!] 🔑
THE MORTGAGE PROCESS:
Contact the Lender of your choice.
They will ask for paperwork from you, the Buyer, and your attorney.
Send them everything they need as soon as possible (for a quick turnaround).
Wait for results on your loan!
How much money should I bring with me to closing?
When your loan is clear to close, your lender and the title company will begin working together to balance the final numbers so that you will know how much money you need to bring to closing.
Once the lender and the title company are done balancing, they will reach out to us and let us know the final number to deliver it to you with instructions.
Where is the closing?
Title Company’s Office.
Your real estate agent’s office.
What exactly happens at closing?
When you purchase or refinance a home, the last step in the process is called the ‘closing.’ This is where you sign your mortgage and other real estate transaction documents, make required payments, and receive the keys to your new property!
The closing happens after the title is clear, all conditions are satisfied, the Pre- CD is issued, and the Seller is contacted and confirms the vacant property.
Who is at closing?
You and whoever you are purchasing the property with.
The title company and a closing specialist to review loan documents with you.
Your realtor may join you.
Sellers do not usually attend the closing.
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