Buyers

Home Buying

Knowledge and experience are the keys to a successful Real Estate transaction. HomeSmart Agents have the knowledge and experience necessary to help make the home-buying process easier and more understandable. Because our goal at HomeSmart is to provide you with the most informative and professional services available, we have included an overview of what to expect throughout the home-buying process.

You have already made the Smart Move by choosing a HomeSmart Realtor to assist you in the process of purchasing a property. The next step is to speak with a lender and complete a loan application. This will allow the lender to issue a Pre-approval letter, which MUST be submitted with all offers to purchase.

Most transactions require financing to assist in the purchase. A lender can be a mortgage company, a bank, private financing, as well as other options. Whichever you choose, the lender plays an extremely significant role in the transaction. You will be asked to complete an application, provide documentation and verify your income. You may also be asked to give permission for your credit score to be checked, and for your assets to be verified. There are numerous steps to take to secure financing, and your cooperation with the lender is a key ingredient to experiencing an on-time, relatively stress free closing!

Our trusted SmartPartner:

Movement Mortgage | Movement Mortgage was created in 2008 amidst one of the biggest financial meltdowns in American history. We are committed to being a Movement of Change in the mortgage industry, in corporate cultures and in communities. Through our unique process we are creating a referable experience for both homebuyers and real estate agents. We have created a corporate culture in which our employees can thrive both personally and professionally. We achieve this when we combine a passionate and relentless hard focus on professional excellence with a high view and value of people. Finally, our goal is to have a long-term impact on the individual lives of those under served in our communities. Our mission to love and value people drives everything we do.

Our trusted SmartPartner:

Platinum Home Warranty | As a locally owned company, the team at Platinum understands the homeowners' needs and concerns right here in Arizona.  The Platinum commitment to hire only the best on-staff, trained technicians in the industry, and to offer a 24-hour emergency response time guarantee is unique.  "At Platinum, it's personal - it's about protecting your home - a place of warmth, memories, and comfort." 

Our trusted SmartPartner:

HomeSmart Title | (602) 889-2132 |HomeSmart Title is a collaboration between HomeSmart Title and First American Title. For every title transaction using HomeSmart Title, a donation is made to a supported 501(c)3 charity of your choice.

Now that you have a property in escrow, there are several inspections that will need to take place. Your HomeSmart Agent will help you to determine which inspections are appropriate for the property, and make sure that they are conducted during the time period specified in the purchase agreement.

In order to protect your investment, there are several types of insurance available to be places on the property. Some of the most common are Homeowner's, Title and flood insurance. Although not "insurance" in the typical sense, a Home Warranty should also be considered when deciding on the protection that is best for you.

Here at HomeSmart, we know that your actual purchase is only part of the overall picture.  Our goal is to make sure that the entire process, including the move into your new home, is as smooth as possible.  In order to do that, we will provide you with helpful hints, such as a change of address checklist, packing tips, and an arrival kit checklist.

Before closing on your new home, you will have an opportunity to conduct a final walkthrough of the property and verify that any repairs requested have been completed, and that the property is in substantially the same condition as n the date of contract acceptance. Once completed, you will sign all of the necessary documents to finalize the transaction at the Title Company. When the deed is recorded, the house is yours! Congratulations!

We hope this overview has been helpful. We are committed to providing the most informative and professional services available now and in the future.

Remember...it's a Smart Move with HomeSmart!

HomeSmart

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