Now that you've found your desired home, its time to make an offer! Placing an offer is a very strategic process. Currently, we're operating in a Sellers Market. A Sellers Market predicts a high demand with a low supply. Therefore, expect competition.

 

 

Schedule a Home Inspection & Evaluate Results

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Buyers should always elect to have a home inspection conducted on the home of choice prior to purchase. Depending upon the results, one should also negotiate items to be repaired or compensated for.

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Complete Mortgage Application

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Once the buyer becomes under contract with the seller (seller accepts the buyers offer) the mortgage application process is initiated by the lender. A list of documents will be requested from the lender for the buyer submit. An appraisal is ordered.

 

Identify a Home Insurance Agency

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Buyers have the option of selecting a home owners insurance provider of their choice. Provider info and estimates are submitted to the lender.

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Obtain a Title Search and Title Insurance

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The title company will conduct a thorough title search on the property. All back taxes, liens and/or judgments will be cleared prior to settlement. The goal is to deliver a "free" and "clear" deed to the buyer. Title insurance is also provided. There are two types: Mortgage Lien Holder and Homeowner. Be sure to get both.

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