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Are you looking to buy your home in Guerneville? Your City Country Connection can help.

Purchasing a home intimidates most people, but it's not too complicated with a bit of up-front planning. I like to supply buyers with a road map of the whole deal so they understand exactly what they can expect. Below are my nine steps to purchasing a home. Should you have any questions regarding this information or if you're ready to get started, just contact me here or e-mail me at .

Step 1 – Get ready to buy
There are plenty of things you need to take into account before beginning your home search. You'll probably want to make an outline of must-haves, get a plan of what school districts and neighborhoods you want to live in, and begin planning around your budget. Ensuring your mortgage payment is less than or around a third of your monthly income is a good guideline to go by.

Step 2 – Get in touch with a real estate agent in Guerneville
That's where I come in. We'll arrange a time to get together so we can talk about why you want to buy a home and get an idea of your plans for the future. We'll talk about neighborhoods, schools in the Guerneville area, the mortgage and housing industries, and any additional economic factors that may affect your purchase today or in the future.

In addition, I'll help you get started on your loan. I work with some of the finest mortgage professionals in Guerneville, so you can rest assured that you're in great hands. They'll assist you with deciding which kind of loan is best for you and help you get qualified.

Step 3 – Begin house-hunting
After our first meeting, I'll begin looking for available houses on the market that are a great fit for you. I'll get a sneak peek of most of the houses and remove the duds, and then we'll set up appointments to tour the homes when it's convenient for you.

As we view the homes, I'll point out good features and bad ones. I'll also ask you to point out what things you like and don't like. Most often, buyers amend their must-have list as we view houses and some items become more necessary than others. If such is the case, I'll search all the listings one more time and trim it down to the house you've been dreaming about.

Step 4 – Get a grasp of the market
My awareness of the Guerneville market is a necessary agent in your house search. I am acquainted with all the schools and neighborhoods, and I can let you know what areas are "hot" and demand immediate action and some that are "cool" and allow for careful consideration.

As we tour houses, I'll let you know if the seller's list price has room for bargaining or if I believe the home is "priced to sell." When working with an agent, be on guard and make sure you ask lots of questions, as any real estate agent in Guerneville will tell you they know the housing market. If it seems like they don't know everything, just call me at 707-303-6358 or e-mail me at , and I'd be more than happy to answer any questions you might have. My market knowledge will help you stay a step above the rest through the entire deal.

Step 5 – Find your dream house
I'm positive we'll find the house of your dreams in the Guerneville area. When we do, I'll meticulously develop your real estate purchase offer. The offer will be tailored to suit your needs and the home, including a lot of contingencies. A few examples are obtaining financing, finishing the home inspection, and a clean title.

When we present your offer, you'll need to submit "earnest money." This is a cash deposit given to the home seller to secure the offer to purchase the property and is usually put towards the cost of closing. If the offer is accepted, we should close on the property about 30 to 60 days after. This allows plenty of time for your mortgage financing.

Step 6 – Negotiate the deal
Unfortunately most deals don't close on the beginning offer – it's pretty common to receive a counter offer. Don't let it alarm you. We'll talk about whether or not to take the counter offer, present our own counter offer, or decline the seller's offer and go on.

How aggressively we negotiate the deal depends on market circumstances. In addition, we'll work within your financing constraints. And at the end of the day, we'll compose a contract that's best for you.

Step 7 – Secure your loan
Upon finishing the deal, you'll start working with your mortgage lender to close the loan. If you're pre-qualified, this shouldn't take very long at all. However, you'll need to keep in close contact with your lender. And I'll manage all the property information your mortgage lender will need to close the loan.

Step 8 – Close the deal
Your lender will send you a Loan Estimate (LE) detailing closing costs within three days of receiving your loan application. You'll get a Loan Estimate (LE) of your closing costs from your mortgage lender within three days of receiving your application. This estimate is formed from the loan amount, and RESPA requirements order that it has to include all closing costs and fall within a strict range of accuracy. I'll examine the estimate and let you know if it all looks permissible.

Then it's time to close on your home. This will probably happen at a title company or escrow office and will most often be a smooth and relaxed occurrence.

Step 9 – Move in
Congratulations! It's time to move into your new house. Enjoy it. And if you need anything, make sure you call me at 707-303-6358 or e-mail me at .

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