Buyer's Guide

Put in a competitive offer

• We will decide on a reasonable offer price based on:
• Current market conditions.
• Comparable properties recently sold in the area.
• The property value of the house.
• The current condition of the house.

Pay in cash vs. loan

Paying in cash verses taking out a loan offers a faster closing timeline and less chances of issues arising, making is more appealing to sellers.

Put down a larger deposit

An offer that includes a larger earnest money deposit presents a more serious and competitive offer.

Offer a shorter closing time

An offer with a shorter closing time is generally more attractive to sellers over one with an extended time period with a house sale contingency. A typical closing time frame is between 30-45 days.

Deposit your earnest money

Watch your emails for wiring instructions from the closing attorney. Never trust an email. Always call the closing attorney and confirm wiring instructions prior to sending any amount of money.

Schedule a home inspection & Get Insurance Quotes

Home inspections are optional, but highly recommended to make sure the home is in the condition in which it appears. Inspections are typically completed within 3-5 days after signing the sales agreement. During the Due Diligence period, you also want to get an insurance quote to make sure the home is eligible for homeowners insurance, and there are no excessive claims on the home that would hender you from getting insurance.

Renegotiate if necessary

The home inspection will tell you if there is anything dangerous or costly wrong with the home that needs to be addressed. You can then choose to either back out of the deal completely, ask for the seller to make repairs, or negotiate a lower price and handle the repairs yourself.

Complete your mortgage application

Once you've come to an agreement on the final offer, it's time to finalize your loan application and lock in your interest rate if you haven't done so already. You may need to provide additional documentation to your lender upon request.

Order an appraisal

An appraisal will be required by your lender to confirm that the home is indeed worth the loan amount. The appraisal takes into account factors such as similar property values, the home's age, location, size and condition to determine the current value of the property.