Buying or selling a home?

For many people, purchasing a home is a stressful event. But with some planning ahead of time, it's not all that complicated. So you know exactly what to expect, I like to supply my buyers with a road map of the whole deal. These are my nine steps to buying a home.

Should you have any questions regarding this information or if you're ready to get started, simply contact me here or send e-mail to pmoney8@yahoo.com.

Step 1 – Prepare to buy
There are several things you need to take into account prior to commencing your home search. When you begin your search, you'll want to assemble a list of features you need, plan for what neighborhoods you'd like to live in, and begin planning your budget. A good rule to go by is that your mortgage payment should be less than or around 1/3 of your net monthly income.

Step 2 – Talk to a real estate agent in Artesia
That's where I come in. I'll plan a time to meet so we can talk about your real estate needs and get an idea of your upcoming plans. We'll talk about everything from neighborhoods, school districts in the Artesia 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 begin the loan process. There are some excellent mortgage professionals in Artesia, and I partner with a lot of them, so you'll be in great hands. They will help you choose which type of loan is best for you, as well as help you get approved.

Step 3 – Start looking for a house
After our first meeting, I'll begin searching for homes on the market that meet your needs. I'll preview many of the homes and eliminate the duds, and then we'll set up appointments to tour the homes when it's most convenient for you.

When we tour homes, I'll call attention to positive features and negative ones. I'll even ask you to tell me about things you like and don't like. As a rule, buyers amend their must-have list as we tour houses and some things become more important than others. If that's the situation, I'll search the listings once again and narrow it down to the house you've been wishing for.

Step 4 – Know the housing market
My knowledge of the Artesia home market is a crucial advantage in your home search. I am conscious of all the neighborhoods and schools, and I'll let you know which neighborhoods are "hot" and require immediate action and the rest that are "cool" and allow for careful consideration.

When we view houses, I'll let you know when the asking price has room for bargaining and when I trust the home is "priced to sell." When working with an agent, be on guard and make sure you ask plenty of questions. Any real estate agent will convince you they know the home market. If things don't add up, just call me at (562) 618-1400 or e-mail me at parimal@pioneermoney.com, and I'll be happy to answer your questions. My knowledge of the market will keep you a step above the rest through the entire process.

Step 5 – Find the house of your dreams
I know we'll find your dream house in the Artesia area, and when that happens, I'll carefully develop your home purchase offer. The offer will be written exactly to your needs. Whenever necessary, I never forget to make contracts contingent upon items like your ability to secure financing and the results of the home inspection.

Let Pioneer Money Corp. guide you through finding your dream home in Artesia When we turn in your offer, you'll probably need to present "earnest money." This is a cash deposit given to the seller to secure an offer to purchase the property, and it's often applied to the closing costs. If your offer is accepted, we should close about 30 to 60 days after. This allows plenty of time for your mortgage financing.

Step 6 – Negotiate
A lot of deals aren't closed on the initial offer, and it's widely common to receive a counter offer. Don't let it discourage you. We'll talk over whether or not to agree to the counter offer, present our own counter offer, or refuse the seller's offer and move on.

How aggressively we negotiate the contract depends on market circumstances. We'll also work within your financing limits. And when it's all said and done, we'll assemble a deal that works well for you.

Step 7 – Get your loan
Once we sign the final contract, you'll start working with your lender to close the loan. If you're pre-qualified, this won't take very long at all, but you should to stay in close contact with your lender. And I'll sort out all the property information your mortgage lender will need to close the loan.>

Step 8 – Close the deal
Your lender will send you a Good Faith Estimate (GFE) of your closing costs within three days of accepting your application. The estimate depends on the loan amount. RESPA requirements mandate that it has to contain all closing costs and be within a tight range of accuracy, and I'll examine the estimate and let you know if it all looks good.

Then we'll close on your home. This should occur at a title company or escrow office and will likely be a smooth and relaxed occurrence.

Step 9 – Move in
Congratulations! It's time to move into your new home. Enjoy it. And if you have any questions, be sure to call me at (562) 618-1400 or send me an e-mail.

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