Choosing a Realtor, a very important first step. Our Realtor professionals personally guide you through every step of the buying process and will look to protect and advise you along the way.
It's best to choose a local lender and get pre-approved before you begin the search. Your lender will review the costs and loan products that best fit your individual situation. This allows you to move smoothly when you find the right home and indicates to the seller you are a serious buyer.
Create a realistic idea of the property you'd like to buy. Make 2 lists: one of essential items and one of desired features you would enjoy. Share your wish list with us, so we may show you homes that meet your expectations.
Once you've pinpointed your dream home, crafting a solid offer is the next important step. Your Realtor will be sure to review many issues with you- timing, possession, what's included (do appliances stay?), etc. It's about a lot more than price! Skillful negotiating can make all the difference and your Team Sunrise sales professional will give you a strong advantage.
Sellers will expect you to deposit "earnest money" with your offer. This assures the seller that you are negotiating in good faith. These funds will be credited to you at closing, as part of your down payment.
After your offer is accepted, set up a home inspection. It's common to find minor concerns. Your Realtor can help find a reputable inspector and will negotiate to get you the most for your money once the inspector's report is final.
Your lender will require a one year paid policy of insurance at closing for your new home, which will name your lender as a co-insured. Shop around and be sure your coverage is for at least the mortgage amount.
Be sure to bring your driver's license and any funds required. Some moving basics include: Transferring gas, electric, water and cable services, along with notifying the local post office of your new address.