| Office: |
636-332-HOME |
| Cell: |
314-346-6906 |
| Email: |
Email Me! |
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Buyer's Guide |
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| The homefinding process typically includes many of the following elements. For additional information, or to get started, please contact us. |
| Initial Consultation |
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Determine your needs and priorities |
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Review "agency" choices and select appropriate working realationship |
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Discuss financing options |
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Obtain Financing |
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Find a mortgage company |
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Consult with a loan officer |
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Pre-qualification |
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Complete loan application |
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Obtain loan pre-approval |
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Provide requested documentation |
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| Finding the Right Home |
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Sales associate to show you properties based on your criteria |
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Evaluate each property with sales associate |
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Choose the right home |
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| Preparing an Offer |
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Review comparable sales to determine offer price |
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Review progress of loan pre-approval; decide on financing |
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Decide on other terms (inspections, possession date, personal property, etc.) |
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Prepare earnest money deposit |
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| Reaching an Agreement with a Seller |
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Present your offer |
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Negotiation of terms and possible counteroffers |
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Agreed-upon sales contract with seller |
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| Completing the Settlement Process |
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Deposit of earnest money |
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Review seller's property disclosures |
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Review preliminary title report |
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Roof, termite and other inspections |
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Remove any remaining contingencies |
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Arrange for homeowners insurance |
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Arrange for home warranty |
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Arrange for movers |
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Final walk-through of property with sales associate |
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Provide balance of down payment and closing costs |
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Sign Documents |
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Loan Funding |
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Obtain Financing |
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Property appraisal |
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Loan processing |
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Final loan approval |
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Recording of title |
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Receive keys from sales associate |
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Move in! |
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| We understand that buying a home is a major decision for you that can be filled with concerns. Our task is to help you find a home that meets your needs and to make the homebuying process efficient, stress-free and successful. As your Prudential Alliance Real Estate professional, our goal is to help you find the right home. |
| We commit to: |
| Communicate with you in a timely and efficient manner. Plan a home search based on your needs. |
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Consult with you to discover your needs, interests and concerns and discuss buyer, seller and dual agency alternatives. |
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| Introduce you to properties and neighborhoods that meet your requirements based upon our plan. |
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Pre-select properties that match your criteria and pre-schedule showing appointments. |
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Network to gain information about properties that may not yet have reached the open market. |
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Provide sources of information on questions of interest to you, such as schools, neighborhoods and transportation. |
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Prepare a preliminary estimate of the costs associated with buying a property. |
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| Help you obtain the financing you may need for a home purchase. |
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Provide you with the information on becoming pre-qualified or pre-approved for a mortgage. |
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Help you find a reliable financial institution. |
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| Assist in preparing a purchase offer on the property of your choice. |
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Review information on sales of comparable homes to help you decide on the price and financing terms that you want to offer. |
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Review with you the seller's written disclosure statement. |
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Provide you with advice and information on other terms for you to consider, such as possession date and personal property. |
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Recommend that you obtain professional home, termite or other inspections. I will review the inspection reports with you. |
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Where appropriate, recommend that the purchase be contingent on a professional appraisal of value. |
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Explain to you the option of a home warranty, which can reduce your liability. |
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| Represent you in the transaction with the seller. |
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Present your offer to the seller, through their real estate professional. |
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Negotiate in your best interests to reach an agreement that is acceptable to you. |
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| Work to protect your interests during the completion of the transaction. |
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Review with you the preliminary title report and other documents pertaining to the condition and status of the property. |
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Work with the seller's broker, the lender and others to see that all requirements of the purchase agreement are satisfied and to help keep the transaction on schedule. |
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Keep you informed of the progress of the transaction. |
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Accompany you on a walk-through of the property before closing and assist you in managing any problems discovered. |
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Follow up on a any remaining details after the close of the sale, and provide you with information on additional services that you may need. |
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| For additional information, or to get started, please contact us. |
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