The Home Buying Process

 

Step 1 - Getting a Loan

If paying with cash go to # 2, otherwise talk to a lender and get pre-qualified.

  • We don't want to get your hopes up about homes you can't afford and we don't want to show you lower-priced houses when you can afford something better.

  • Your monthly payment = Principal, Interest, Taxes, Insurance + Mortgage Insurance (sometimes there are additional factors).

  • To get pre-approved for a loan contact one of these trusted professionals:

    • Paul Volpe with Nova Home Loans 520-241-4048

    • Courtney Walker with Cornerstone Home Lending, Inc.   
      520-975-4311

Step 2 - Finding the Right Home

  • We search for homes that match your criteria and check them out!

Step 3 - Make an Offer on One You Like

 

Step 4 - Home Inspection

 

Step 5 - Ensuring the Closing

 

Step 6 - Get the Keys

  • Charlie determines the value with a comparative market analysis

  • The negotiation process:

    • They can accept, reject or counter.

    • You can accept, reject or counter.

  • Open an escrow account and deposit earnest money.

Have the home inspected for defects and request repairs.

  • They can accept, reject or counter.

  • You can accept or reject.

Verify floodplain status and lot measurements.

  • Verify that repairs are getting done

  • Verify that Title Company, lender and insurance company are getting necessary documents to the Escrow Company.

  • Sign the closing documents and have the deed recorded in your name.

  • Notify you when the deed has been recorded.

Enjoy your new home!