Are you buying a home in Topton?

Purchasing a home is a stressful event for a lot of people, but with a little planning ahead of time, it's not very difficult. So they'll know exactly what they can expect, I will supply buyers with an outline of the entire deal. These are my nine steps to buying a home. Should you have any questions about this information or if you're ready to get started, you can contact me here or e-mail me at .

Step 1 – Get ready to purchase a home
There are plenty of things you need to take into account prior to commencing your home search. You'll want to put together an outline of features you need, get a feel for what neighborhoods you'd like to live in, and start working on your budget. Ensuring your mortgage payment is less than or around a third of your net monthly income is a good rule of thumb to follow.

Step 2 – Connect with a real estate agent
This is where Nantahala Real Estate Company, INC can help. I'd be happy to plan a time to get together with you and speak with you about your real estate needs and get an idea of your plans for the future. We'll talk about everything from neighborhoods, school districts in the Topton area, the mortgage industry, to any other economic factors that could potentially affect your buying decision today or in the future.

In addition, I'll assist you in getting started on your loan. I partner with some of Topton's best mortgage professionals, so you're in great hands. They'll assist you with figuring out which type of loan is best for you and help you get qualified.

Step 3 – Start your home search
After our initial meeting, I'll begin looking for houses on the market that meet your needs. I'll research most of the houses and remove the duds, and then we'll book appointments to view the houses whenever it's most convenient for you.

As we view the houses, I'll call attention to positive features and negative ones. I'll even ask you to tell us about things you like and don't like. It's common for buyers to change their wish list as we view houses and some features become far more substantial than others. If that happens, I'll search all the listings once more and narrow it down to the home you've been waiting for.

Step 4 – Get a grasp of the housing market
My awareness of the Topton housing market is a fundamental factor in your house search. I'm conscious of all the neighborhoods and schools, and I'll alert you to what districts are "hot" and demand prompt action and others that are "cold" and allow for thoughtful consideration.

When we tour houses, I'll let you know when the asking price has room for negotiation and also when I trust the home is "priced to sell." When working with an agent, be careful and be sure to ask plenty of questions, as every real estate agent in Topton will claim to comprehend the housing market. If things don't add up, just call me at 8283213101 or e-mail me at , and I'll be happy to answer your questions. My market knowledge will keep you a step above the rest throughout the entire process.

Step 5 – Find the home you've been waiting for
We'll find your dream home in Topton, and when we do, I'll precisely create your real estate purchase offer. The offer will be tailored keeping your needs in mind and the home, including some contingencies, such as obtaining financing, completing the inspection, and a clear title.

Upon sending in your offer, you'll likely want to present "earnest money." This is a cash deposit given to the seller to secure an offer to buy the property. The amount is typically applied to the closing costs. If the seller accepts the offer, we should close about 30 to 60 days afterward. This allows enough time for your mortgage financing.

Step 6 – Negotiate
Most deals aren't closed on the initial offer. It's pretty common to receive a counter offer. Don't let it intimidate you. We'll consider whether or not to agree to the counter offer, propose our own counter offer, or refuse the seller's offer and move on.

How aggressively we negotiate the contract depends on the state of the market. We'll also work within your financing budget. And when it's all said and done, we'll put together a deal that's best for you.

Step 7 – Obtain your loan
After we sign the final sales contract, you'll start working with your mortgage lender to close the loan. If you've been pre-approved, it won't take very long at all. But you'll need to keep in close contact with your mortgage lender. And I'll take care of all the property information your mortgage lender will need to close the loan.

Step 8 – Close the deal
Your lender will send you a Loan Estimate (LE) outlining closing costs within three days of getting your application. You'll get a Loan Estimate (LE) of closing costs from your mortgage lender within three days of taking your application. The estimate rests on the loan amount, and RESPA requirements dictate that it has to contain all closing costs and be within a narrow range of accuracy. I'll go over the estimate and let you know if it all looks okay.

Then we'll close on your house. This should take place at a title company or escrow office and will most likely be a smooth and peaceful occasion.

Step 9 – Move in
Congratulations! Now you can move into your new house. Enjoy it. And if you need anything, make sure you contact me at 8283213101 or e-mail me at .