Buying your home doesn't have to be a traumatic experience. With my expertise and your knowledge of what you want in a home, we can make it the entire process go smoothly.
Together we will:
- Have a meeting to set a course of action
- See your Lender to get your financing in place
- Review all the paperwork required for the transaction
- Find your new home
- Send an offer and get it accepted
- Get an appraisal
- Use the inspection period to investigate any issues of concern
- Have a Home Inspection completed and negotiate any repairs
- Look at disclosure issues (Sellers Property Disclosure Statement (SPDS), termite, lead based paint, pool rules, etc.)
- Arrange for and have repairs completed
- Obtain funds for the closing
- Arrange your electricity, cable, phone, water, mail service and insurance
- Close, record and move in
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Every penny you spend on rent is money out the window. Rent payments always seem to go nowhere but up. You end up with nothing to show for your efforts.
Be your own landlord! Here are some of the benefits:
- Tax's (interest write offs and deductible fees)
- Building your own equity
- Stability
- Being able to improve your property
- Maximize your investment
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Of the many steps to owning your home, probably the most important, next to finding your dream home, is the financing process. Getting pre-approved lets both the lender and you know exactly what you can comfortably afford.
Getting pre-approved requires that a lender verify your financial information, and it serves as their commitment to lend a specified amount based on that information. It will give you a number of advantages:
Real estate transactions can be very complex , but with my help, you will have a much easier time finding the home of your dreams.
I know the Mesa market, and can help find the right home for you.
I have a team of professionals to support you, including lenders, title companies, home inspectors, appraisers, and others, saving you the time it takes to go find them.
I will research your housing needs through many different avenues, even if you are relocating from another city. This way, I will show you only those homes best suited to your needs, saving you time and money.
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The closing is the final step in the sale, purchase or refinance of the property. Ownership of the property is transferred, title insurance is issued and coverage begins.
Those present at the closing may include the buyer, the seller, the lender, real estate agents representing either party, and the closing agent.
The title company conducts the closing according to the instructions of the lender, the terms of the contract between the buyer and seller, and the requirements of state and federal laws.
What is a HUD-I Settlement Statement?
The HUD-I Settlement Statement is the document prepared by the title company at closing which shows where all of the money in the transaction is coming from and going to. It gives a 'financial picture' of the closing transaction. At closing, the title company is responsible for preparing the HUD-I Settlement Statement in accordance with the contract, lender's instructions, market practice and state and federal laws. For additional information from ALTA on the HUD-I Settlement Statement visit http://www.alta.org/consumer/hud1.cfm
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