Buying or selling a home in Davie? Unicasa International USA Realty can help.
Buying a home is an intimidating event for many people, but with some planning ahead of time, it isn't very difficult.
I like to provide buyers with a road map of the whole deal so they'll understand exactly what to expect.
These are my nine steps to buying a home.
When you're ready to get started, just contact me here or e-mail me at . I'm glad to answer questions you have about this information.
Step 1 – Prepare to purchase
Before you start looking for a home, there are plenty of things you should take into account.
When you start your search, you'll want to form a checklist of items you need, plan for what school districts and neighborhoods you want to live in, and begin planning around your budget.
Keeping your mortgage payment less than or close to a third of your net monthly income is a good principle to go by.
Step 2 – Speak with a real estate agent in Davie
This is where Unicasa International USA Realty comes in.
We'll book a time to get together so we can talk about why you want to buy a home and get an idea of your future plans.
We'll talk about everything from neighborhoods, schools in the Davie area, the mortgage and housing industries, to any other economic factors that may potentially affect your buying decision today or in the future.
In addition, I'll help you start the loan process.
Unicasa International USA Realty partners with some of the finest mortgage professionals in Davie, so you can rest assured that you're in great hands.
They will assist you in determining which kind of loan is best for you and help you get approved.
Step 3 – Begin house-hunting
After our first meeting, I'll begin searching for available houses on the market that are good for you.
I'll preview many of the houses and throw out the bad ones, and then we'll book appointments to tour the homes when it's most convenient for you.
As we view the homes, I'll show you the positive features, as well as bad ones. I'll also ask you to tell us about things you like and dislike.
It's common for buyers to update their must-have list as we view houses and some things become more important than others.
If that's the situation, I'll look through all the listings one more time and trim it down to the house of your dreams.
Step 4 – Understand the housing market
My understanding of the Davie housing market is a crucial factor in your house search. I'm informed of all the neighborhoods and school districts, and I can let you know what areas are "hot" and warrant immediate action and some that are "cool" and allow for careful examination.
When we tour homes, I'll let you know when the list price has room for bargaining and also when I trust the home is "priced to sell."
When working with an agent, trust your instincts and make sure you ask a lot of questions, as any real estate agent will tell you they know the market.
If it doesn't seem like they know everything, contact me at (954) 598-0700 or e-mail me at , and I'll be glad to answer any questions you have. My understanding of the market will keep you a step ahead through the entire deal.
Step 5 – Find your dream home
We'll find your dream house in the Davie area, and when we do, I'll meticulously create your home purchase offer. The offer will be tailored to suit your needs and the home, including some contingencies, such as getting financing, completing the home inspection, and a clear title.
When turning in your purchase offer, you'll need to present "earnest money." This is a cash deposit made to a home seller to secure the offer to purchase the property and is typically applied to the closing costs. If the seller accepts your offer, we should close within 30 to 60 days afterward. This allows ample time for your mortgage financing.
Step 6 – Negotiate the deal
A lot of contracts aren't closed on the initial offer. It's very common to receive a counter offer. Don't let it alarm you. We'll consider whether or not to accept the counter offer, submit our own counter offer, or decline the seller's offer and go on.
How aggressively we negotiate the contract depends on the state of the market.
We'll also work within your financing limits. And when it's all said and done, we'll formulate a deal that is best for you.
Step 7 – Secure a loan
Once the deal is signed, you'll begin working with your lender to close the loan.
This shouldn't take long at all if you're already pre-qualified, but you'll need to keep in close contact with your mortgage lender.
And I'll handle all the property information your lender will need to close the loan.
Step 8 – Close the deal
Your mortgage lender will provide you with a Loan Estimate (LE) outlining your closing costs within three days of receiving your application. You'll get a Loan Estimate (LE) of your closing costs from your mortgage lender within three days of accepting your loan application.
The estimate is formed from the loan amount, and RESPA requirements mandate that it has to include all closing costs and be within a precise range of accuracy. I'll study the estimate and let you know if everything looks okay.
Then we'll close on your home. This will probably happen at a title company or escrow office and will probably be a smooth and peaceful occasion.
Step 9 – Move in
Congratulations! Now you can move into your new house. Enjoy it. And if you have any questions, make sure you call me at (954) 598-0700 or e-mail me at .