Home Buying Steps

First thing Kathy & Rick would like to do is to take a tour of homes. They know that a lot of real estate agents will want to sit at a desk and talk, talk, talk. We'd rather show you a home or two to get acquainted and get your reaction to what you see. We can get to know each other and you can see what your money will buy.

Getting Pre-Qualified

If you have already met with a lender and feel comfortable with that lender, wonderful. If not, Kathy and Rick cann connect you with selection of lenders.

Credit??

If you have had credit problems in the past, you will want a lender to review your credit report and determine if you should be looking for a home now or do some credit repair first. Kathy & Rick will help you get the information you need. Kathy & Rick work with many lenders and may have some solutions. Any buyer can get a home mortgage. The question is, are you willing to pay a very high interest rate and excessive points to buy a home?? That's your decision. Often a bit of work on a credit report will make you credit worthy in six to twelve months and then you can get a good rate and save a lot of money.

Lender's Letter

Once you have determined the area, price range and type of real estate you wish to buy, you will need to be prepared with a lender's pre-qualifying letter which means that a lender has reviewed your credit, income and money to close and you are READY to buy. This letter accompanies the offer to buy a home. Sellers cannot consider your offer seriously unless you have been credit reviewed by a lender. If you do not already have a lender, we can obtain this letter for you in a very short period of time, but not on weekends. If you're ready to buy, you need to get prepared. Kathy & Rick will help!

Let's Look At Some Homes - Search The Listings

Kathy & Rick provide buyers with access to the real estate Multiple Listing database MLS to keep you up to date on new listings. You can see photos, descriptions, prices, features of homes that meet your search criteria. Folks love this program since it permits buyers to select the homes to visit. This database is very helpful for buyers who are relocating by helping buyers understand what your money will buy in the Valley area. You can begin your MLS search by clicking here.

Leave The Driving To Us

Kathy & Rick will provide the gasoline to visit the homes that meet your search criteria. Kathy & Rick are full time REALTORs ® who will show you homes at your convenience. We recommend looking at real estate during daylight hours. We are available to show homes seven days a week. If you are a relocating buyer, we will clear our schedule for your buying trip and spend the days with you to make sure you see as much real estate during your trip as possible.

You've Got The Contract

Let's get busy. If there is to be a home inspection or other inspections, it must be done quickly. You may receive a recommendation for a home inspector. Perhaps someone at your work place has used one that they recommend. If you do not have a preference, I can recommend inspectors that we have used in the past. Any defects found in the home will be written for the seller to repair prior to settlement. These items are negotiable and if there is a serious defect in the house, you can declare the contract null and void. YOU DO NOT HAVE TO BUY A HOME WITH SERIOUS DEFECTS.

Make Loan Application

Time for you to make a loan application so the lender can get busy and provide you with a loan approval ASAP. Be prepared with the below documents to expedite your loan process.

• Copy of Contract of Sale
• 2 years W-2 Forms
• 2 months bank statements
• 3 months earnings statements
• Landlord name, address and phone
• VA Certificate of Eligibility for VA buyers

Relax And Wait For Settlement

Sounds easy?? It really is. Kathy & Rick will be there to help every step of the way!