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Buying a home is one of the most significant investments you can make in your life.  Therefore, you need a professional assistant who can provide you detailed information in order for you to make intelligent decisions.  This process is challenging for most buyers, since they are not just looking for a “dwelling” per se, but are looking for a home.  A place to bring up the family, a place for their children to grow up.

These are the steps to follow to became a home owner: 

  • Choose the area where would you like to live.

  • Decide what type of property you want to buy, according your needs, is the best for your family.

  • 3 elements to be ready to get a mortgage. Credit score, down payment and proof of income.

  • Contact your mortgage lender in order to get your pre-approval letter and have clear what type of mortgage option is the best option for you.

  • Setup a budget regarding your monthly payments depending on the kind of house you have chosen and have clear the closing expenses involved in the transaction.

  • Contact a real estate agent when you start searching properties.  I am here to help you.

  • Understand the market value of houses in the area of your purchase.

  • Learn how you can make a great offer.

  • Negotiating the final price is a great economical saving.

  • Get the contract accepted, reviewed by your attorney (in New Jersey), and go under contract.

  • Be careful with the money deposited as an earnest payment.

  • Get the house inspected by a certified inspector.

  • Check and review the details from the inspection report.

  • Get some repairs done by the seller if possible or get credit for same.

  • Get the home appraised through your mortgage representative.

  • Get your home and title insurance.

  • Get your mortgage financing statement in writing and understand it clearly.

  • Be careful with your credit while you are buying a house.

  • Check the house thoroughly prior to closing.

  • Check all closing documents to make sure everything is correct, sign them and get your keys.

  • CONGRATULATIONS!!!  You have finished the process and you are the new homeowner.

I am here to guide you throughout the process to make your dream come true!!!

The A B C ...  of Home Buying Process

The process to follow in the process of home buying.
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