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For Buyers
Whether it’s your first time buying a home or it’s your fifth time, let us walk you through all the steps it takes to make it a successful and pain free experience for you.
Bridge Loans
A simple solution to bridge the gap between the home you have and the home you want
3 Easy Phases For A Home Buyer
Phase
CONSIDERATION
Needs, Wants and Priorities
Purchase Timeline
Financial Parameters and Costs
Buyer-Agent Relationship
PREPARATION
Financing Pre-Approval
Assess Market Conditions and Values
Learn Property Types
Neighborhood Pros and Cons
SEARCH
Listing Information Review
Home Tours and Open Houses
Exploring Options/Learning the Market
Find the Home You Wish to Buy
THE OFFER
Financing Pre-Approval
Assess Market Conditions and Values
Learn Property Types
Neighborhood Pros and Cons
ESCROW
Create Timeline of Events
Open Escrow Account
Buyer Good-Faith Deposit
Preliminary Title Report
DUE DILIGENCE
Lender Appraisal
Property Inspection and Investigation
Review of Disclosures and Reports
Removal of Contingencies of Sale
Phase
Phase
THE WEEK BEFORE CLOSING
Final Walk Through
Review and Sign Closing Documents
Buyer Final Deposit
Funding of Loan
DAY OF CLOSING
Recordation of the Deed
Close of Escrow
Delivery of Keys
Move In
The Buyer is generally expected to pay for:
- Title Insurance Premiums
- ALTA Inspection Fee
- Escrow Fee
- Document Preparation (if applicable)
- Recording Charges for all documents in the Buyer’s name
- Tax Pro-ration (from the date of acquisition)
- Homeowner’s Transfer Fee
- All new Loan Charges (except those required by the Lender for the Seller to Pay)
- Interest on the new Loan from the date of funding to 30 days prior to the First Payment Date
- Assumtopn/change of Records Fees for takeover of Existing Loan
- Inspection Fees (roofing, termite, propoerty inspection, geological etc)
- Fire Insurance Premium for the first year
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