Are you looking to purchase your home in Davie? Unicasa International USA Realty can help.
Buying a home is an intimidating event for most people, but it isn't too hard with a little up-front planning.
So they'll know exactly what they can expect, I like to supply buyers with an outline of the whole deal.
These are my nine steps to purchasing 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 buy a home
There are many things you need to do before you search for a home.
When you start your search, you'll want to make an outline of items you want to have, get a feeling for what neighborhoods and school districts you'd like to live in, and begin working on your budget.
Keeping your mortgage payment less than 1/3 of your monthly income is a good principle to adhere to.
Step 2 – Connect with a real estate agent
That's where I come in.
We'll plan a time to get together so we can talk about your real estate needs and get an idea of your future plans.
We'll talk about the mortgage and housing industries, 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 help you start the loan process.
Unicasa International USA Realty partners with some of the finest mortgage professionals in Davie, so you're in great hands.
They'll assist you with figuring out which kind of loan is best for you and help you get qualified.
Step 3 – Begin looking for a home
After our initial meeting, I'll begin looking for available houses on the market that meet your needs.
I'll research many of the houses and eliminate the duds, and then we'll book appointments to tour the homes whenever it's most convenient for you.
As we tour the houses, I'll point out good features and bad ones. And I'll ask you to point out what things you like and don't like.
It's common for buyers to revise their wish list as we view homes and some things become more important than others.
If that's the case, I'll search all the listings once more and narrow it down to the home you've been dreaming about.
Step 4 – Comprehend the housing market
Your agent's awareness of the Davie housing market is an imperative agent in your home search. And I can assure you I'm mindful of all the schools and neighborhoods, and I'll let you know certain districts are "hot" and require prompt action and some that are "cool" and allow for thoughtful consideration.
As we tour homes, I'll make sure to communicate when the list price has room for negotiation and when I trust the home is "priced to sell."
Any REALTOR will convince you they know the market, but be mindful, and make sure you ask a lot of questions.
If things don't add up, just call me at (954) 598-0700 or e-mail me at , and I'd be more than happy to answer any questions you have. My understanding of the market will help you stay a step above the rest throughout the entire process.
Step 5 – Find the home you've been waiting for
We'll find your dream house in the Davie area, and when that happens, I'll carefully develop your purchase offer. The offer will be made to suit your needs and the home. We'll include several contingencies, such as acquiring financing, completing the inspection, and a clean title.
When presenting your purchase offer, you'll probably need to submit "earnest money." This is a cash deposit made to the home seller to secure the offer to purchase the property. The amount is typically applied to the cost of closing. If the offer is accepted by the seller, we should close on the property about 30 to 60 days after. This allows enough time for your mortgage financing.
Step 6 – Negotiate the deal
Unfortunately most deals aren't closed on the first offer – it's really common to receive a counter offer. But don't let this intimidate you. We'll talk over whether or not to take the counter offer, propose our own counter offer, or decline the seller's offer and go on.
The state of the market determines how aggressively we negotiate the contract.
In addition, we'll work within your financing constraints. And at the end of the day, we'll create a contract that works well for you.
Step 7 – Obtain your loan
After we sign the final contract, you'll start working with your lender to close the loan.
If you're already pre-qualified, this shouldn't take very long at all. However, you need to stay in close contact with your lender.
And I'll manage all the property information your lender will need to close the loan.
Step 8 – Close the deal
Your mortgage lender will furnish you with a Loan Estimate (LE) detailing closing costs within three days of taking your application. You'll get a Loan Estimate (LE) of closing costs from your lender within three days of receiving your loan application.
This estimate rests on the loan amount. RESPA requirements dictate that it has to involve all closing costs and be within a close range of accuracy, and I'll analyze the estimate and let you know if it all looks adequate.
Then it's time to close on your house. This will likely take place at a title company or escrow office and will most often be a smooth and easygoing occasion.
Step 9 – Move in
Congratulations! It's time to move into your new home. Enjoy it. And if you need anything or have any questions, just call me at (954) 598-0700 or e-mail me at .