Let Unicasa International USA Realty help you with buying your home in Davie
With some up-front planning, purchasing a home isn't all that difficult, but the event is stressful for a lot of people.
I like to supply buyers with a road map of the entire deal so they understand exactly what to expect.
These are my nine steps to purchasing a home.
Should you have questions regarding this information or if you're ready to get started, simply contact me here or e-mail me at .
Step 1 – Prepare to purchase
There are plenty of things you'll want to do before you look for a home.
You'll most likely want to assemble an outline of items you need to have, get an idea of what school districts and neighborhoods you'd like to live in, and start working on your budget.
A good principle to go by is that your mortgage payment should be less than or around 30 percent of your net monthly income.
Step 2 – Speak with a real estate agent in Davie
This is where Unicasa International USA Realty comes in.
I'd love to set up a time to get together with you and communicate with you regarding your real estate needs and get an idea of your upcoming plans.
We'll talk about everything from neighborhoods, schools in the Davie area, the mortgage industry, to any other economic factors that may potentially affect your buying decision today or in the future.
I can also help you start the loan process.
I partner with some of the finest mortgage professionals in Davie, so you'll be in great hands.
They'll help you figure out which kind of loan is best for you, as well as help you get qualified.
Step 3 – Begin house hunting
After our initial meeting, I'll begin finding houses on the market that meet your needs.
I'll research many of the homes and eliminate the bad ones, and then we'll set up appointments to tour the houses whenever it's convenient for you.
When we tour the houses, I'll show you the good features and negative ones. I'll even ask you about things you like and dislike.
It's widely common for buyers to change their list of must-haves as we tour homes and some items become far more essential than others.
If that's the case, I'll go back through all the listings another time and trim it down to the home you've been dreaming about.
Step 4 – Know the market
My awareness of the Davie housing market is a necessary aspect in your home search. I'm conscious of all the neighborhoods and schools, and I can alert you to which areas are "hot" and warrant immediate action and others that are "cool" and allow for more consideration.
As we view houses, I'll be sure to tell you if the seller's list price has room for bargaining or if I believe the house is "priced to sell."
Be on guard and be sure to ask lots of questions, as every real estate agent will claim to truly know the market.
If it doesn't seem like they know everything, just call me at (954) 598-0700 or e-mail me at , and I'd be glad to answer any questions you have. My market knowledge will help you stay a step above the rest through the entire deal.
Step 5 – Find your dream house
I know we'll find your dream house in Davie. When we do, I'll carefully develop your real estate purchase offer. The offer will be tailored exactly to your needs and the home, including many contingencies, such as acquiring financing, finishing the inspection, and a clean title.
When presenting your offer, you'll probably want to submit "earnest money." This is a cash deposit made to a home seller to secure the offer to buy the property and is usually put towards the cost of closing. If your offer is accepted, we should close on the property about 30 to 60 days afterward. This allows plenty of time for your mortgage financing.
Step 6 – Negotiate
Most deals aren't closed on the beginning offer. It's extremely common to receive a counter offer. Don't let this discourage you. We'll consider whether or not to agree to the counter offer, propose our own counter offer, or reject the seller's offer and go on.
How aggressively we negotiate the deal depends on market conditions.
In addition, we'll work within your budget. And when it's all said and done, we'll assemble a contract that works well for you.
Step 7 – Secure a loan
After we sign the final deal, you'll begin working with your lender to close the loan.
If you're already pre-qualified, this won't take long at all, but you'll want to keep in close contact with your mortgage lender.
And I'll sort out all the property information your mortgage lender needs to close the loan.
Step 8 – Close the deal
You'll get a Loan Estimate (LE) of your closing costs from your mortgage lender within three days of getting your application.
This estimate rests on the loan amount. RESPA requirements mandate that it has to contain all closing costs and fall within a tight range of accuracy, and I'll go over the estimate and let you know if everything looks permissible.
Then it's time to close on your home. This will most often take place at a title company or escrow office and will most often be a smooth and peaceful affair.
Step 9 – Move in
Congratulations! Now you can move into your new home. Enjoy it. And if you need anything, just call me at (954) 598-0700 or e-mail me at .