Are you looking to purchase your home in Brevard? White Squirrel Realty can help.

Purchasing a home is an intimidating event for a lot of people. However, with a little planning ahead of time, it's not that confusing. I like to give buyers an overview of the whole deal so they'll know exactly what to expect. These are my nine steps to buying a home. When you're ready to get started, simply contact me here or e-mail me at; . I'm happy to answer questions you have regarding this information.

Step 1 – Get ready to purchase
There are a lot of things you need to do prior to starting your home search. When you start your search, you'll probably want to form a check list of features you want, get a plan of what school districts you want to live in, and begin working on your budget. Ensuring your mortgage payment is no more than a third of your monthly income is a good guideline to go by.


Step 2 – Talk to a real estate agent
This is where I come in. We'll book a time to get together so we can talk about your real estate needs and get an idea of your future plans. We'll talk about everything from neighborhoods, schools in the Brevard area, the mortgage and housing industries, to any other economic factors that may affect your buying decision today or in the future.


I can also assist you with getting started on your loan. There are some excellent mortgage professionals in Brevard, and I partner with a lot of them, so you can rest assured that you're in great hands. They'll assist you with deciding which type of loan is best for you and help you get approved.


Step 3 – Start your home search
After our initial meeting, I'll start finding available homes on the market that are good for you. I'll preview most of the homes and remove the duds, and then we'll schedule appointments to view the homes at a time that's convenient for you.

As we tour the houses, I'll identify positive features, as well as bad ones. I'll also ask you what things you like and don't like. It's pretty common for buyers to amend their must-have list as we view houses and some features become far more crucial than others. If that's the situation, I'll go back through the listings another time and trim it down to the house you've been wishing for.

Step 4 – Get a grasp of the market
My knowledge of the Brevard market is a crucial aspect in your house search. I'm familiar with all the neighborhoods and school districts, and I will communicate certain neighborhoods are "hot" and demand prompt action and others that are "cool" and allow for more examination.

As we tour homes, I'll make sure to communicate if the seller's asking price has room for bargaining or if I believe the home is "priced to sell." Be on guard and make sure you ask lots of questions, as every REALTOR in Brevard will claim to truly understand the home market. If things don't add up, call me at 828-877-3434 or e-mail me at;, and I'll be more than happy to answer any questions you might have. My knowledge of the market will keep you a step above the rest throughout the entire deal.

Step 5 – Find the home of your dreams
We'll find the home of your dreams in the Brevard area, and when that happens, I'll carefully develop your home purchase offer. The offer will be tailored to suit your needs and the home, including a lot of contingencies. A few examples are obtaining financing, finishing the home inspection, and a clean title.

When presenting your offer, you'll need to present "earnest money." This is a cash deposit made to the seller to secure an offer to buy the property. The amount is typically put towards the closing costs. If your offer is accepted, we should close on the home about 30 to 60 days after. This allows sufficient time for your mortgage financing.


Step 6 – Negotiate the deal
Unfortunately most contracts don't close on the initial offer – it's pretty common to receive a counter offer. But don't let it discourage you. We'll figure out whether or not to take the counter offer, submit our own counter offer, or decline the seller's offer and move on.

Market conditions determine how aggressively we negotiate the deal. In addition, we'll work within your budget. And at the end of the day, we'll compose a contract that's best for you.

Step 7 – Obtain your loan
Once the contract is complete, you'll start working with your lender to close the loan. If you've been pre-approved, this won't be a long process at all. However, you need to keep in close contact with your lender. And I'll deal with all the property information your mortgage lender needs to close the loan.

Step 8 – Close the deal
Your mortgage lender will furnish you with a Loan Estimate (LE) outlining your closing costs within three days of receiving your loan application. You'll get a Loan Estimate (LE) outlining your closing costs from your mortgage lender within three days of receiving your loan application. This estimate depends on the loan amount. RESPA requirements dictate that it has to involve all closing costs and be within a tight range of accuracy, and I'll examine the estimate and let you know if it all looks all right.

Then we'll close on your house. This will likely take place at a title company or escrow office and will probably be a smooth and easygoing occurrence.

Step 9 – Move in
Congratulations! Now you can move into your new house. Enjoy it. And if you have any questions, be sure to call me at 828-877-3434 or e-mail me at ; .

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