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Purchasing your home in Guerneville with Your City Country Connection

Purchasing a home is an intimidating event for a lot of people, but with some planning ahead of time, it isn't too difficult. I like to provide buyers with an overview of the whole deal so they understand exactly what they can expect. These are my nine steps to purchasing a home. If you have any questions about this information or if you're prepared to get started, simply contact me here or e-mail me at .

Step 1 – Prepare to buy
Before you begin looking for a home, there are plenty of things you should consider. When you begin your search, you'll probably want to assemble a check list of items you need to have, plan for what neighborhoods you want to live in, and start planning around your budget. Ensuring your mortgage payment is around 1/3 of your net monthly income is a good rule of thumb to go by.

Step 2 – Get in touch with a real estate agent in Guerneville
This is where I can help. We can schedule a time to get together so we can talk about why you want to buy a home and get an idea of your future plans. We'll discuss neighborhoods, schools in the Guerneville area, the mortgage and housing industries, and any additional economic factors that could affect your buying decision today or in the future.

I can also help you get started on your loan. Your City Country Connection works with some of the finest mortgage professionals in Guerneville, so you're in great hands. They will help you figure out which kind of loan is best for you, as well as help you get approved.

Step 3 – Start your home search
After our first meeting, I'll start searching for available houses on the market that are a good fit for you. I'll research most of the houses and reject the duds, and then we'll book appointments to view the homes when it's convenient for you.

When we tour the houses, I'll identify positive features and bad ones. I'll even ask you about things you like and dislike. Usually, buyers change their list of must-haves as we view houses and some features become far more crucial than others. If that happens, I'll go back through all the listings once more and trim it down to the home you've been wishing for.

Step 4 – Understand the housing market
An agent's knowledge of the Guerneville home market is an imperative component in your home search. And I can assure you I'm acquainted with all the neighborhoods and school districts, and I'll let you know some districts are "hot" and warrant immediate action and others that are "cool" and allow for careful examination.

When we view houses, I'll make sure to communicate if the seller's list price has room for negotiation or if I believe the home is "priced to sell." When working with an agent, be mindful and make sure you ask lots of questions. Every REALTOR in Guerneville will tell you they truly know the housing market. If it appears they don't know everything, just call me at 707-303-6358 or e-mail me at , and I'd be glad to answer your questions. My understanding of the market will help you stay a step ahead through the entire process.

Step 5 – Find the house you've been looking for
I'm confident we'll find the house of your dreams in Guerneville. When we do, I'll carefully create your purchase offer. The offer will be tailored keeping your needs in mind and the home, including several contingencies, such as getting financing, completing the inspection, and a clear title.

When we present your purchase offer, you'll need to submit "earnest money." This is a cash deposit submitted to the seller to secure an offer to buy the property and is usually put towards the closing costs. If the seller accepts your offer, we should close on the property within 30 to 60 days after. This allows plenty of time for your mortgage financing.

Step 6 – Negotiate
Unfortunately most contracts aren't closed on the beginning offer. It's really common to receive a counter offer. Don't let this discourage you. We'll figure out whether or not to consent to the counter offer, propose our own counter offer, or refuse the seller's offer and move on.

How aggressively we negotiate the contract depends on market circumstances. 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 – Secure your loan
Once the deal is finalized, you'll start working with your lender to close the loan. If you're already pre-approved, this won't take much time at all. However, you should to keep in close contact with your lender. And I'll manage all the property information your mortgage lender will need to close the loan.

Step 8 – Close the deal
Your lender will furnish you with a Loan Estimate (LE) detailing your closing costs within three days of receiving your loan application. You'll get a Loan Estimate (LE) outlining your closing costs from your lender within three days of receiving your loan application. This estimate rests on the loan amount, and RESPA requirements require that it has to involve all closing costs and be within a precise range of accuracy. I'll analyze the estimate and let you know if everything looks good.

Then we'll close on your house. This will likely occur at a title company or escrow office and should be a smooth and peaceful affair.

Step 9 – Move in
Congratulations! It's time to move into your new home. Enjoy it. And if you need anything or have any questions, make sure you call me at 707-303-6358 or e-mail me at .

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