Before we start househunting, talk to a loan officer and get pre-qualified for a home loan. This quick and easy process will help you narrow down the price range that best fits your budget. Ask me about preferred lenders!
Throught the homebuying process do not apply for any loans or credit cards.
Now that we’ve met, I’ll ask you questions to help you find the house that fits your wants and needs and your budget! Focus on the “dealbreakers”: location, size and price! Everything else can be changed and/or negotiated.
Refine your list of deal breakers for an effective search.
Together we will narrow down a list of homes you like and tour them. It’s important that you make a list of what you like and don’t like about each home so you can decide which house to make an offer on!
Gather the documents needed for your home loan application (W2s, tax documents, bank statements, etc).
Congratulations! You found a home! I will help you craft an offer that is desirable to the seller. We will look at recent sales in the neighborhood and compare those to your chosen home. We will also discuss what fees you will pay and what we will ask the seller to pay.
Once you are under contract, we will have an inspection. Think about what kinds or repairs and remedies, if not completed, would be "dealbreakers"?
Now that you’re under contract, we have certain deadlines (inspection, finance, etc.) that we need to meet and monies (option & earnest) that need to be deposited. During the option period, we will conduct inspections. After the inspections, we will negotiate repairs through a contract amendment.
Finalize the home loans with the lender and arrange for homeowner's insurance. If applicable, choose a home warranty.
Throughout the process, the lender and title company will have you sign and submit certain documents electronically. Once the lender's underwriter approves the final documents, you will receive a “clear to close”. You will meet at the title company, sign documents, and get the keys to your new home!
ADDRESS 453 W San Antonio St New Braunfels TX 78130
ADDRESS 453 W San Antonio St New Braunfels TX 78130
