Shortlist:
We'll start with an overview of the buying process, so you'll know what to expect at every step of the way. I call it going to Sage's University. Let's go over what you absolutely must have in your home and what you can be flex about. A caveat I'll share up front is that the #1 mistake buyers say they made is not buying enough room, so go for the extra square feet or bedroom. You'll use it. Get as much home as you can with today's dollar, as it may be several years before you do this again. Let's discuss your finances and pre-approval letter. If you don't have one, I'll introduce you to some of my trusted loan officers who will explain your options. We'll discuss your timeline from viewing homes to getting your key.
Vet:
After scrolling multiple apps and saving favorites, forward your homes with 'must haves' so I can check them out. I can find out lots more details behind the scenes and talk with listing brokers to determine if there are any properties to avoid and why.
Shop:
Now we'll do real-time tours. So many buyers comment that homes look nothing like they did online (or in their minds). It's like seeing a food magazine photo – you won't know what it tastes like until you take a bite. So we need to see each home up close and personal so you can make your own observations about if a house 'feels like home' and if it checks all the boxes or not. I'll point out exterior and interior features that may be beneficial or detrimental to your purchase and long-term goals.
Buy:
This is where the rubber meets the road, especially if we find ourselves in a multiple bid situation. We'll carefully examine all the financial details and your contingency options to craft an offer that you can live with, and the sellers can accept over other offers. Be prepared to be brave! However, if you and your budget aren't in the mood for bargaining, we can view older inventory and find out if the owners will make some concessions for you. If you don't win in a multiple bid scenario, it's time to be philosophical - because that wasn't your house. When you do have your offer accepted, you'll totally understand why you had to wait and then you'll be happy about it.
Fine Tooth Comb:
Once your offer is accepted, now the hard part begins. Start working with your lender immediately to get your loan fully underwritten, if it wasn't already underwritten before you submitted an offer. Be aware that there will be a MORE stringent round two within the 10 days prior to closing as you'll go through the sometimes-painful process of 'meeting conditions' for the underwriter who we can understatedly say are 'picky.' This is to protect the lending institution and can be a relief of sorts when it's over, that you are truly vetted for your loan. In the meantime, we can review HOA documents and complete any required tasks on the Timeline you'll receive from our Transaction Manager Sarah Jean
Groenink. This includes getting your earnest money deposited, usually within 2 days of mutual acceptance. Be aware that wiring cutoffs are usually before 2 pm, so when you hear 'wire' think 'morning' to keep you from passing your deadline. This is especially critical when you make your down payment wire before close.
Homeowner:
Once we've received recording numbers from the county, then we're officially closed, and I can give you the keys around 5-6 pm. Or if its new construction, one of the site crew will give you the keys between 2-5 pm. Confirm all your utilities are on and effective in your name. You may want to set up your internet provider a couple weeks before close. I'll check on you to make sure you're settling in and will want to come and visit you. I'm always available after close for as long as you have any questions. You've come a long way with saving funds, being stressed out and spending lots of time on this process. Plan to celebrate moving into your new home!
