Making the smart move of choosing a REALTOR® is your first step to ensuring that your new home and community meets your needs. Choose a REALTOR® that you trust and who understands your needs.

We make sure you are comfortable and confident in your choice before you make an offer on a property.

We recommend coming in for a meeting to discuss your specific real estate needs before you begin your search, after which we:

• Set appointments for you to see properties. If you call us for a specific property, we can usually schedule showings for the next day. We assure that you see all the properties in the area that meet your criteria.
• Guide you through the entire home buying process, from finding homes to look at, to getting the best financing.
• Make sure you don’t pay too much for your home and help you avoid costly mistakes.
• Answer all of your questions about the local market area, including schools, neighborhoods, the local economy and more.

Guide for Buyers:


1. Mortagage Lender:

Speak with a mortgage Lender/Broker and obtain written pre-approval for a loan. This helps you determine your purchasing power and enables you to act expeditiously and with confidence when you identify the property you would like to purchase. Additionally, a pre-approval assures the seller that you are qualified, providing you with an advantage in a multiple interest situation.


2. Understanding your needs and Goals:

Define your search parameters. This typically includes location, price range, size, and building amenities. Prioritize what attributes are important to you and affordable. As you view each property, write down what you like and dislike.


3. Attorney:

Choose a Real Estate Attorney. Attorneys must be utilized to close all real estate transactions. Time is very crucial so be sure your attorney is available to move quickly.


4. Making an offer:

• Submit a verbal offer through your agent immediately who will follow it up in writing to the seller. The offer will include your purchase price, down payment, amount of financing, included and/or excluded personal property (i.e. window treatments, lighting fixtures, etc) and preferred closing date. Once your offer is verbally "accepted" by the seller, your agent will draw up and send the initial contract to your attorney and the sellers attorney.

• Please note that although your offer has been presented, the sellers are at liberty to entertain and accept ALL subsequent offers put forth by other prospective buyers until your contract is negotiated or finalized, up to the point of a fully signed, executed and returned contract. This means that until both the buyer and seller sign the contract, your deal may not be viewed as the primary deal. A contract is binding only after both parties sign it. This is why you should instruct your real estate attorney to expedite the process.

5. Attorney Review:

• Your attorney will review with you the contract and explain all terms. “Due Diligence” must be done to review the “Financial” ramification of purchasing said property, as well as any other issues or concerns you might have about the building. Once all terms are clear, you will be asked to execute the contract and put forth a deposit ( a binder of $1,000) which will be held in escrow until the closing of the deal. Once this is done, the seller, in turn, signs the contract and your attorney then delivers one original copy of the contract to you and the other copy to your mortgage broker/banker.• Attorney review lasts three days, unless completed sooner or extended by agreement.
Once Attorney Review has been completed, your agent will liaise with your mortgage broker/bank to provide the bank with the requested pertinent information as well as coordinate an appraisal of the property.

6. Final Inspection Walk-Through:

The day before or the morning of the closing (but usually after the seller has vacated), your Agent will accompany you on an appointment to inspect that the property is in the same condition or promised condition as stated in the contract. Be sure to check appliances and removal of personal property, and that the premises are clean.


7. The Closing:

At closing, the buyer executes all mortgage loan documents required by the mortgage lender and exchanges the remaining funds due for the title documents.

Find out how much your closing costs could be.

Closing costs to expect:
Lender fees include charges for laoan processing, underwriting, preparation na destablishing an escrow account.

Third - party fees include: Charges for insurance, title search, and other inspections such as termites.

Government fees include: deed recording and state and local mortgage taxes.

Escrow and interest fees include: Homeowner's insurance, loan interest, real estate taxes, and occassionally private mortgage insurance.