Let Your City Country Connection assist you with buying your home in Guerneville

For most people, purchasing a home can be an intimidating event. However, with a bit of planning ahead of time, it isn't that complicated. So they'll know exactly what to expect, I'll provide buyers with a road map of the entire deal. These are my nine steps to purchasing a home. When you're ready to get started, you can contact me here or e-mail me at . I'm happy to address questions you have regarding this information.

Step 1 – Get ready to buy
There are several things you should contemplate prior to commencing your home search. When you begin your search, you'll want to assemble a checklist of features you want to have, get a plan of what neighborhoods and school districts you'd like to live in, and begin planning around your budget. Ensuring your mortgage payment is less than or close to a third of your net monthly income is a good guideline to adhere to.

Step 2 – Contact a real estate agent
This is where Your City Country Connection can help. I'd love to arrange a time to meet with you and communicate with you regarding your real estate needs and get an idea of your upcoming plans. We'll discuss everything from neighborhoods, schools in the Guerneville area, the mortgage industry, to any other economic factors that may affect your purchase today or in the future.

I can also help you begin the loan process. I partner with some of Guerneville's finest mortgage professionals, so you'll be in great hands. They will assist you with choosing which kind of loan is best for you and help you get qualified.

Step 3 – Begin looking for a house
After we meet for the first time, I'll begin searching for houses on the market that are a good fit for you. I'll research most of the houses and throw out the bad ones, and then we'll schedule appointments to view the houses when it's convenient for you.

As we tour the houses, I'll point out good features, as well as negative ones. And I'll ask you about things you like and don't like. Most often, buyers update their list of must-haves as we view houses and some features become more essential than others. If that happens, I'll go back through the listings again and trim it down to the home you've been waiting for.

Step 4 – Comprehend the market
An agent's understanding of the Guerneville housing market is an essential aspect in your house search. And I can assure you I'm familiar with all the schools and neighborhoods, and I will let you know certain areas are "hot" and call for prompt action and the ones that are "cold" and allow for more examination.

As we tour homes, I'll make sure to communicate if the seller's list price has room for negotiation or if I believe the house is "priced to sell." Every real estate agent will tell you they know the housing market, but keep an eye out, and make sure you ask your agent plenty of questions. If things don't add up, contact me at 707-303-6358 or e-mail me at , and I'd be glad to answer any questions you might have. My knowledge of the market will keep you a step above the rest through the entire deal.

Step 5 – Find the home you've been waiting for
I'm sure we'll find your dream home in the Guerneville area. When that happens, I'll carefully create your purchase offer. The offer will be tailored with your needs in mind and the home, including many contingencies, such as acquiring financing, finishing the home inspection, and a clear title.

Upon presenting your purchase 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 it's typically applied to the closing costs. If your offer is accepted by the seller, we should close on the home about 30 to 60 days after. This allows enough time for your mortgage financing.

Step 6 – Negotiate the deal
Unfortunately most contracts don't close on the first offer, and it's very common to receive a counter offer. But don't let this alarm you. We'll talk about whether or not to consent to the counter offer, propose our own counter offer, or refuse the seller's offer and move on.

The state of the market will play a role in how aggressively we negotiate the contract. We'll also work within your financing limits. And when it's all said and done, we'll create a deal that works well for you.

Step 7 – Get financing
After we sign the final deal, you'll start working with your mortgage lender to close the loan. If you're pre-approved, this won't take very long at all, but you need to stay in close contact with your mortgage lender. And I'll look after all the property information your lender needs to close the loan.

Step 8 – Close the deal
You'll get a Loan Estimate (LE) outlining closing costs from your lender within three days of receiving your loan application. The estimate depends on the loan amount, and RESPA requirements require that it has to involve all closing costs and be within a narrow 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 most likely occur at a title company or escrow office and should be a smooth and comfortable occasion.

Step 9 – Move in
Congratulations! Now you can move into your new home. Enjoy it. And if you need anything or have any questions, make sure you contact me at 707-303-6358 or e-mail me at .

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