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!
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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!