Looking to purchase your new home in Guerneville? The City Country Group @ Vanguard Properties DRE# 01380792 can help.

Buying a home intimidates a lot of people. However, with a little up-front planning, it isn't very hard. So they'll know exactly what to expect, I like to provide buyers with an overview of the entire deal. Below are my nine steps to purchasing a home. When you're ready to get started, just contact me here or e-mail me at . I'm glad to address any questions you have regarding this information.

Step 1 – Get ready to purchase
There are several things you'll want to consider before beginning your home search. You'll want to assemble a list of must-have features, get a feel for what neighborhoods and school districts you'd like to live in, and begin planning your budget. A good principle to follow is that your mortgage payment should be less than or around a third of your monthly income.

Step 2 – Get in touch with a real estate agent
That's where I can help. I'd be happy to book a time to get together with you and talk about your real estate needs and get an idea of your upcoming plans. We'll discuss the mortgage and housing industries, other economic factors that might affect your purchase today or in the future, as well as neighborhoods and schools in the Guerneville area.

I'll also help you get started on your loan. The City Country Group @ Vanguard Properties DRE# 01380792 partners with some of the best mortgage professionals in Guerneville, so you'll be in great hands. They can help you figure out which kind of loan is best for you, as well as help you get qualified.

Step 3 – Start house-hunting
After we meet, I'll begin finding homes on the market that suit your needs. I'll preview most of the homes and eliminate the duds, and then we'll book appointments to tour the houses when it's convenient for you.

When we tour houses, I'll call attention to good features, as well as negative ones. And I'll ask you to point out what things you like and dislike. Usually, buyers change their must-have list as we tour houses and some items become more crucial than others. If that's the situation, I'll go back through all the listings again and narrow it down to the house you've been dreaming about.

Step 4 – Know the market
My awareness of the Guerneville market is an imperative agent in your house search. I am conscious of all the school districts and neighborhoods, and I'll let you know some districts are "hot" and require prompt action and some that are "cold" and allow for careful analysis.

When we view houses, I'll let you know if the asking price has room for bargaining or if I believe the home is "priced to sell." Be mindful and make sure you ask lots of questions, as any REALTOR in Guerneville will convince you they truly know the housing market. If it appears 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 expertise will help you stay a step ahead through the entire deal.

Step 5 – Find the house you've been looking for
We'll find your dream house in the Guerneville area, and when we do, I'll precisely create your real estate purchase offer. The offer will be made to suit your needs and the home. We'll include several contingencies, such as obtaining financing, finishing the inspection, and a clean title.

When submitting your offer, most likely you'll want to submit "earnest money." This is a cash deposit given to a seller to secure an offer to purchase the property, and it's usually put towards the closing costs. If your offer is accepted, we should close about 30 to 60 days after. This allows sufficient time for your mortgage financing.

Step 6 – Negotiate the deal
A lot of deals aren't closed on the first offer. It's extremely common to receive a counter offer. But don't let it discourage you. We'll talk about whether or not to take the counter offer, propose our own counter offer, or decline the seller's offer and move on.

How aggressively we negotiate the contract depends on market circumstances. We'll also work within your financing budget. And at the end of the day, we'll put together a contract that works well for you.

Step 7 – Obtain a loan
Upon completing the deal, you'll begin working with your mortgage lender to close the loan. If you're pre-approved, it won't take much time at all. However, you need to keep in close contact with your mortgage lender. And I'll sort out all the property information your mortgage lender will need 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 taking your application. This estimate is formed from the loan amount. RESPA requirements mandate that it has to include all closing costs and fall within a close range of accuracy, and I'll examine the estimate and let you know if everything looks good.

Then it's time to close on your house. This will most likely happen at a title company or escrow office and will most often be a smooth and relaxing occasion.

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

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