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BUY

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Are You Ready To Begin Your Home Search?

Start Your Journey Today!

1

Initial Consultation

  • Establish your home needs & wish list

  • Prioritize your needs & wants

  • Market education & orientation

5

Contract Negotiation & Acceptance

  • Offer acceptance by Seller or counter-offer/negotiation of Contract terms through your Agent

  • Upon acceptance of all Contract terms by Seller and by you, the Contract will be executed

  • Earnest money deposited

9

Title Work

  • Your Agent will contact the title company

  • Title search and examination will be completed

  • Title company will issue title insurance

2

Pre-Approval

  • Obtain pre-approval through the lender of your choice

  • Formal commitment by lender to extend credit

  • Credit check

  • Lender commits to a specific loan amount for you to start your home search and provides a pre-approval letter to submit with offer

6

Inspection

  • Your Agent will assist you in coordinating home inspections you wish to conduct such as:

  • Termite (required by most lenders)

  • Structural & Mechanical

  • Radon

  • Lead Based Paint (for homes built prior to 1978)

  • Property Survey

  • Any other inspections your Agent recommends based on the property

10

Closing

  • Contract and financing contingencies are satisfied

  • Final loan approval is obtained and documents are sent to the closing officer

  • Closing process occurs when you sign all loan and
    purchase documents

  • Lender loans the funds

  • The deed is recorded

3

Start Your Search

  • Discuss your home needs and wish list with your Agent

  • Select properties you are interested in seeing

  • View properties with your Agent

  • Find the right property for you

7

Loan Approval

  • Complete mortgage application if not done previously

  • Your lender will order an appraisal on the house

  • Secure underwriting approval

  • Satisfy any conditions

  • Loan is processed

11

Move Into Your Home

  • Contract and financing contingencies are satisfied

  • Final loan approval is obtained and documents are sent to the closing officer

  • Closing process occurs when you sign all loan and
    purchase documents

  • Lender loans the funds

  • The deed is recorded

4

Make an Offer

  • Your agent will advise you and prepare the offer

  • Your offer will be presented to the seller

  • Earnest money typically accompanies the offer

  • Request the purchase of a home warranty in your offer if you are concerned about home systems or appliances breaking post-sale. You may also choose to purchase a home warranty if the seller declines

8

Renegotiate

  • Your Agent will guide you through any renegotiations resulting from inspection, title or appraisal results

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If you need credit repair:

  • If necessary, work with Bullseye Credit Repair Service or a credit repair specialist of your choice

  • Delay next steps while credit repair and credit approval is underway

  • Continue follow-up with your Agent during this process

  • Time for credit repair will vary. Once credit repair is complete, move forward on your road to home purchase

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