Are you purchasing a home in Harmony? RE/MAX Select Properties can help.

For many people, purchasing a home is a stressful event. But with a bit of planning ahead of time, it's not that hard. I like to provide buyers with an overview of the whole deal so they'll know exactly what to expect. These are my nine steps to purchasing a home. When you're ready to get started, just contact me here or e-mail me at . I'm glad to answer any questions you have regarding this information.

Step 1 – Get ready to purchase a home
Before you start looking for a home, there are many things you need to contemplate. It's likely that you'll want to form a check list of items you want, plan for what neighborhoods and school districts you want to live in, and begin working on your budget. Keeping your mortgage payment less than or around 1/3 of your net monthly income is a good guideline to adhere to.

Step 2 – Communicate with a real estate agent in Harmony
This is where RE/MAX Select Properties can help. We can set up a time to meet so we can talk about your real estate needs and get an idea of your future plans. We'll discuss neighborhoods, schools in the Harmony area, the mortgage industry, and any additional economic factors that might affect your purchase today or in the future.

I'll also help you facilitate the loan process. I work with some of Harmony's finest mortgage professionals, so you can rest assured that you're in great hands. They'll help you choose which type of loan is best for you, as well as help you get qualified.

Step 3 – Start your search
Following our first meeting, I'll begin searching for homes on the market that are great for you. I'll preview most of the homes and ignore the bad ones, and then we'll book appointments to tour the homes when it's most convenient for you.

As we view homes, I'll show you the good features and negative ones. I'll even ask you to talk about things you like and don't like. It's widely common for buyers to update their wish list as we view homes and some items become more necessary than others. If that happens, I'll go back through the listings one more time and trim it down to the home of your dreams.

Step 4 – Understand the housing market
My understanding of the Harmony housing market is a necessary component in your home search. I'm mindful of all the schools and neighborhoods, and I'll let you know what districts are "hot" and require prompt action and others that are "cold" and allow for careful consideration.

When we tour homes, I'll let you know if the seller's list price has room for negotiation or if I believe the house is "priced to sell." Be mindful and be sure to ask your agent a lot of questions, as any real estate agent in Harmony will convince you they comprehend the home market. If it doesn't seem like they know everything, contact me at 5078864221 or e-mail me at , and I'll be glad to answer any questions you have. My understanding of the market will keep you a step above the rest through the entire process.

Step 5 – Find the home you've been looking for
We'll find your dream house in Harmony, and when we do, I'll precisely develop your home purchase offer. The offer will be tailored exactly to your needs and the home, including some contingencies. A few examples are obtaining financing, carrying out the inspection, and a clear title.

Upon turning in your purchase offer, you'll need to submit "earnest money." This is a cash deposit submitted to the home seller to secure an offer to purchase the property. The amount is typically put towards the cost of closing. If the seller accepts your offer, we should close on the home about 30 to 60 days afterward. This allows ample time for your mortgage financing.

Step 6 – Negotiate
Most deals don't close on the beginning offer – it's very common to receive a counter offer. But don't let it discourage you. We'll talk about whether or not to accept the counter offer, present our own counter offer, or decline the seller's offer and move on.

The state of the market determines how aggressively we negotiate the contract. We'll also work within your budget. And when it's all said and done, we'll formulate a contract that is best for you.

Step 7 – Obtain financing
Upon signing the contract, you'll start working with your mortgage lender to close the loan. If you're pre-approved, it won't take much time at all. But you'll want to keep in close contact with your mortgage lender. And I'll deal with all the property information your lender needs to close the loan.

Step 8 – Close the deal
Your mortgage lender will furnish you with a Loan Estimate (LE) of closing costs within three days of accepting your application. You'll get a Loan Estimate (LE) outlining closing costs from your lender within three days of getting your loan application. The estimate is formed from the loan amount, and RESPA requirements mandate that it has to include all closing costs and fall within a precise range of accuracy. I'll review the estimate and let you know if everything looks good.

Then we'll close on your house. This will probably happen at a title company or escrow office and will most often be a smooth and relaxing affair.

Step 9 – Move in
Congratulations! It's time to move into your new house. Enjoy it. And if you have any questions, simply contact me at 5078864221 or e-mail me at .