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Buying or selling a home in Guerneville?

Purchasing a home can be stressful for many people, but it's not that complicated with a bit of planning ahead of time. So they understand exactly what to expect, I will supply buyers with an overview of the entire deal. These are my nine steps to buying a home. Should you have any questions regarding any of this information or if you're prepared to get started, just contact me here or e-mail me at .

Step 1 – Get ready to buy
Before you begin your home search, there are many things you should contemplate. When you begin your search, you'll want to form a checklist of must-have features, get a plan of what school districts and neighborhoods you want to live in, and start planning your budget. Ensuring your mortgage payment is no more than 1/3 of your net monthly income is a good rule of thumb to adhere to.

Step 2 – Connect with a real estate agent
This is where I come in. I'd be happy to plan a time to meet with you and speak with you regarding your real estate needs and get an idea of your upcoming plans. We'll talk about everything from neighborhoods, school districts in the Guerneville area, the mortgage industry, to any other economic factors that might affect your purchase today or in the future.

I can also help you begin the loan process. There are some excellent mortgage professionals in Guerneville, and I partner with a lot of them, so you'll be in great hands. They will help you decide which kind of loan is best for you, as well as help you get qualified.

Step 3 – Begin house-hunting
After our initial meeting, I'll begin looking for available homes on the market that suit your needs. I'll preview many of the homes and ignore the bad ones, and then we'll book appointments to view the houses at a time that's convenient for you.

When we view the homes, I'll call attention to good features and negative ones. I'll also ask you to tell us about things you like and don't like. It's pretty common for buyers to update their must-have list as we view houses and some things become far more substantial than others. If that's the situation, I'll search the listings once again and trim it down to the home you've been waiting for.

Step 4 – Know the market
My understanding of the Guerneville housing market is a leading aspect in your house search. I'm familiar with all the school districts and neighborhoods, and I will communicate which neighborhoods are "hot" and warrant immediate action and others that are "cold" and allow for thoughtful examination.

As we tour homes, I'll make sure to communicate when the asking price has room for negotiation and also when I trust the home is "priced to sell." Every real estate agent will convince you they understand the housing market, but be on guard, and make sure you ask lots of questions. If things don't add up, call me at 707-303-6358 or e-mail me at , and I'll be more than happy to answer your questions. My market expertise will keep you a step ahead throughout the entire process.

Step 5 – Find the home you've been looking for
We'll find your dream house in Guerneville, and when we do, I'll meticulously develop your home purchase offer. The offer will be tailored keeping your needs in mind and the home, including some contingencies. A few examples are obtaining financing, completing the inspection, and a clean title.

When submitting your purchase offer, you'll probably need to submit "earnest money." This is a cash deposit made to the home seller to secure the offer to buy the property. The amount is most often put towards the closing costs. If the 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
A lot of contracts don't close on the first offer – it's widely common to receive a counter offer. But don't let it intimidate you. We'll discuss whether or not to take the counter offer, propose our own counter offer, or refuse the seller's offer and go on.

Market conditions will play a part in how aggressively we negotiate the contract. We'll also work within your financing constraints. And at the end of the day, we'll put together a contract that works well for you.

Step 7 – Get a loan
Once we sign the final deal, you'll begin working with your mortgage lender to close the loan. If you're already pre-approved, it won't take long at all, but you need to stay in close contact with your mortgage lender. And I'll sort out all the property information your lender needs to close the loan.

Step 8 – Close the deal
Your mortgage lender will furnish you with a Loan Estimate (LE) outlining closing costs within three days of getting your application. You'll get a Loan Estimate (LE) of your closing costs from your mortgage lender within three days of receiving your loan application. This estimate is formed from the loan amount. RESPA requirements require that it has to contain all closing costs and be within a narrow range of accuracy, and I'll study the estimate and let you know if it all looks all right.

Then it's time to close on your house. This will likely occur at a title company or escrow office and is often a smooth and pleasant event.

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

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