Buying a Home?

 

 

Process of Buying a Home

OrientationIn the initial interview, youll meet with my assistant John Holmaas Jr and me to share your expectations and learn about the entire process of buying a home.  I hope to share with you valuable market knowledge about different areas, home prices, available financing, what you can qualify for, and normal procedures. 

Based on your wants, abilities, and needs, you establish priorities in price, size, style, and area.  Using this information, I will begin the search to find your new home. Often this is started using the internet and email as I can send along homes you can preview online.

FinancingPutting all the things you need to make a loan application together can take some time so take the list that is included in this report to avoid any delays.  Many times, people wait until they find a home and negotiate a contract to make a loan application for a specific type of mortgage.

Another strategy is to actually apply for pre-approval prior to finding a home.  This will give you a firm commitment and can be helpful in negotiating the contract. During multiple offers, often the seller will accept the offer with the pre-approval over one without.

Formulating an OfferWhen you find the right home, you will want to make an offer to purchase it.  This is done in writing specifying every detail that is part of the agreement.  There are standard Washington State forms that are used. Let me know if you would like a copy of these forms prior to the home search process.

SettlementThe last step is to assemble all of the loan papers at the settlement.  You will need to pay the balance of your down payment and your closing costs at this time.  A cashiers check is required for these funds.

(Click for Flow Chart of Home Buying Process)

Next - Pre-Approval Process

 


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  • When it comes to premier properties in the area, Carole Holmaas is Gig Harbor's Waterfront Navigator.
  • Whether you're seeking top dollar for your home sale or are looking for that perfect place to call home...
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