Buying or selling a home in Davie? Unicasa International USA Realty can help.
Purchasing a home is a stressful event for a lot of people. However, with some planning ahead of time, it's not too hard.
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 any questions you have regarding this information.
Step 1 – Get ready to purchase a home
Before you start your home search, there are a lot of things you'll want to do.
You'll want to create a checklist of items you want, plan for what school districts you want to live in, and begin planning your budget.
Ensuring your mortgage payment is less than or around a third of your monthly income is a good guideline to follow.
Step 2 – Connect with a real estate agent in Davie
This is where Unicasa International USA Realty comes in.
We can plan a time to meet so we can talk about your real estate needs and get an idea of your plans for the future.
We'll discuss the mortgage industry, other economic factors that could potentially affect your purchase today or in the future, as well as neighborhoods and schools in the Davie area.
I'll also assist you with getting started on your loan.
I work with some of Davie's best mortgage professionals, so you can rest assured that you're in great hands.
They can help you decide which type of loan is best for you, as well as help you get approved.
Step 3 – Start looking for a house
After we meet for the first time, I'll start looking for available houses on the market that suit your needs.
I'll preview many of the houses and ignore the duds, and then we'll set up appointments to view the houses whenever it's most convenient for you.
As we tour homes, I'll show you the positive features, as well as bad ones. I'll also ask you about things you like and don't like.
Most often, buyers revise their list of must-haves as we view homes and some features become more important than others.
If that happens, I'll search all the listings once again and trim it down to the home you've been wishing for.
Step 4 – Know the market
My awareness of the Davie home market is a crucial agent in your house search. I am informed of all the neighborhoods and schools, and I'll communicate what districts are "hot" and demand prompt action and the ones that are "cool" and allow for thoughtful consideration.
As we view homes, I'll let you know if the seller's asking price has room for negotiation or if I believe the home is "priced to sell."
When working with an agent, be on guard and make sure you ask a lot of questions. Every real estate agent will tell you they know the housing market.
If it appears they don't know everything, contact me at (954) 598-0700 or e-mail me at , and I'd be glad to answer any questions you may have. My knowledge of the market will keep you a step ahead throughout the entire process.
Step 5 – Find the home of your dreams
I know we'll find your dream home in Davie. When we do, I'll meticulously develop your home purchase offer. The offer will be made to fit your needs and the home. We'll include some contingencies, such as obtaining financing, completing the inspection, and a clean title.
Upon submitting your offer, you'll want to submit "earnest money." This is a cash deposit given to a home seller to secure the offer to purchase the property and is typically put towards the closing costs. If your offer is accepted, we should close on the property within 30 to 60 days after. This allows ample time for your mortgage financing.
Step 6 – Negotiate
A lot of contracts aren't closed on the beginning offer – it's widely common to receive a counter offer. But don't let this intimidate you. We'll discuss whether or not to accept the counter offer, submit our own counter offer, or reject the seller's offer and move on.
How aggressively we negotiate the deal depends on market conditions.
We'll also work within your financing limits. And when it's all said and done, we'll create a contract that is best for you.
Step 7 – Secure a loan
After we sign the final sales contract, you'll start working with your lender to close the loan.
This won't take much time at all if you're already pre-qualified, but you'll need to stay in close contact with your lender.
And I'll handle all the property information your mortgage lender needs to close the loan.
Step 8 – Close the deal
Your lender will supply you with a Loan Estimate (LE) detailing closing costs within three days of accepting your loan application. You'll get a Loan Estimate (LE) detailing closing costs from your mortgage lender within three days of getting your application.
The estimate is based on the loan amount. RESPA requirements require that it has to contain all closing costs and be within a precise range of accuracy, and I'll examine the estimate and let you know if everything looks okay.
Then it's time to close on your house. This will most often happen at a title company or escrow office and will probably be a smooth and relaxed affair.
Step 9 – Move in
Congratulations! It's time to move into your new house. Enjoy it. And if you need anything or have any questions, simply call me at (954) 598-0700 or e-mail me at .