Let Unicasa International USA Realty assist you with purchasing your new home in Davie

Purchasing a home is a stressful event for most people, but it isn't all that confusing with a bit of up-front planning. I like to give buyers an outline of the entire deal so they know exactly what to expect. These are my nine steps to purchasing a home. When you're ready to get started, simply contact me here or e-mail me at . I'm happy to answer any questions you have regarding this information.

Step 1 – Get ready to buy a home
Before you begin looking for a home, there are a lot of things you'll want to consider. When you begin your search, you'll want to form a check list of items you need, get a plan of what neighborhoods and school districts you'd like to live in, and start working on your budget. A good guideline to adhere to is that your mortgage payment should be 30 percent of your net monthly income.

Step 2 – Communicate with a real estate agent
This is where Unicasa International USA Realty can help. I'd like to schedule 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 discuss the mortgage industry, other economic factors that could potentially affect your buying decision today or in the future, as well as neighborhoods and schools in the Davie area.

I can also assist you with getting started on your loan. Unicasa International USA Realty works with some of Davie's best mortgage professionals, so you're in great hands. They'll help you determine which kind of loan is best for you, as well as help you get approved.

Step 3 – Begin looking
After our initial meeting, I'll start finding homes on the market that meet your needs. I'll research many of the homes and reject the duds, and then we'll schedule appointments to view the homes when it's convenient for you.

When we tour houses, I'll identify good features, as well as bad ones. I'll also ask you to talk about things you like and don't like. It's common for buyers to revise their list of must-haves as we tour houses and some features become more important than others. If that's the situation, I'll look through the listings one more time and narrow it down to the house of your dreams.

Step 4 – Know the market
Your agent's awareness of the Davie home market is a necessary component in your home search. And I can assure you I'm conscious of all the neighborhoods and school districts, and I'll communicate some neighborhoods are "hot" and require prompt action and some that are "cool" and allow for thoughtful examination.

As we tour houses, I'll let you know when the list price has room for bargaining and also when I know the house is "priced to sell." Trust your instincts and be sure to ask your agent plenty of questions, as any REALTOR in Davie will claim to understand the housing market. If things don't add up, call me at (954) 598-0700 or e-mail me at , and I'll be glad to answer your questions. My market knowledge will help you stay a step above the rest through the entire deal.

Step 5 – Find the house of your dreams
We'll find the house of your dreams in the Davie area, and when that happens, I'll carefully develop your home purchase offer. The offer will be tailored with your needs in mind and the home, including a lot of contingencies. A few examples are getting financing, finishing the inspection, and a clean title.

When we send in your offer, you'll want to present "earnest money." This is a cash deposit submitted to the home seller to secure an offer to purchase the property and is usually put towards the closing costs. If the offer is accepted by the seller, we should close on the home about 30 to 60 days after. This allows plenty of time for your mortgage financing.

Step 6 – Negotiate
Most contracts don't close on the first offer. It's widely common to receive a counter offer. But don't let it alarm you. We'll talk about whether or not to take the counter offer, present our own counter offer, or refuse the seller's offer and move on.

The state of the market will play a big part in how aggressively we negotiate the deal. We'll also work within your financing limits. And when it's all said and done, we'll create a deal that's best for you.

Step 7 – Get a loan
Upon completion of the contract, you'll start working with your lender to close the loan. If you've been pre-qualified, this won't take very long at all. But you'll need to keep in close contact with your mortgage lender. And I'll look after all the property information your lender needs to close the loan.

Step 8 – Close the deal
You'll get a Loan Estimate (LE) outlining closing costs from your lender within three days of accepting your application. This estimate is based on the loan amount, and RESPA requirements mandate that it has to contain all closing costs and be within a precise range of accuracy. I'll study the estimate and let you know if everything looks all right.

Then we'll close on your house. This will probably take place at a title company or escrow office and will most often be a smooth and relaxing event.

Step 9 – Move in
Congratulations! Now you can move into your new house. Enjoy it. And if you need anything or have any questions, be sure to call me at (954) 598-0700 or e-mail me at .

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