7 HOMEBUYING STEPS

1.  MEET WITH VERONICA CARDELL-REALTOR

-Sign Representation Agreement

-Analyze Your Needs in a Buyer Consultation

2.  PREQUALIFY

-Prequalify with Lender of your choice (see Veronica's trusted Lenders list)

-Do this first to obtain Financial Pre-approval so you know how much home you can afford.

-Prepare the lender with personal ID, 1mo paystubs, 1mo bank statements, possible 1yr previous tax returns

3.  SHOP FOR YOUR DREAM HOME

-Select Properties that match your criteria 

-View and schedules appointments to view properties

4.  WRITE AN OFFER TO PURCHASE

-received a comparable market analysis of the subdivision to help make sales price offer.

-receive all pernant information about the house and e-sign One to Four Family Residential Contract

5.  NEGOTIATE TERMS

-Conduct Inspections and resolve any issues.

-Accept the Contract

6.  OBTAIN MORTGAGE FINANCING

-Underwriting, Appraisal, Survey, Insurance

-Conduct Title Search and remove any encumbrances

7.  CLOSE ON YOUR HOME

-Review Your CD(closing disclosure) includes your final loan terms and closing cost.

-Bring a valid driver's license for each borrower, a certified/cashier's check closing cost amount payable to the title co.

-Signs Doc, get the keys, take possession of HOME and celebrate!