goHOME ourLISTINGS OPEN House AREAstats SEARCH getCONNECTED

Buying or selling a home?

For a lot of people, buying a home can be a stressful event. But with some up-front planning, it isn't all that hard. I like to give buyers an overview of the entire deal so they'll understand exactly what they can expect. These are my nine steps to buying a home. Should you have any questions regarding any of this information or if you're prepared to get started, simply contact me here or e-mail me at .

Step 1 – Prepare to purchase a home
There are plenty of things you'll want to consider before you look for a home. When you start your search, you'll probably want to put together a check list of features you want to have, get a plan of what neighborhoods you'd like to live in, and start planning your budget. Ensuring your mortgage payment is no more than 30 percent of your net monthly income is a good rule of thumb to go by.

Step 2 – Talk to a real estate agent in Guerneville
This is where I can help. I'd be happy to arrange a time to get together with you and communicate with you about your real estate needs and get an idea of your upcoming plans. We'll discuss neighborhoods, school districts in the Guerneville area, the mortgage and housing industries, and any other economic factors that may affect your purchase today or in the future.

I can also help you begin the loan process. There are some very good mortgage professionals in Guerneville, and I work with a lot of them, so you can rest assured that you're in great hands. They will assist you in figuring out which type of loan is best for you and help you get approved.

Step 3 – Start house-hunting
Following our initial meeting, I'll begin looking for homes on the market that are good for you. I'll research many of the houses and remove the duds, and then we'll schedule appointments to view the homes when it's convenient for you.

As we tour houses, I'll call attention to positive features, as well as negative ones. I'll even ask you to point out what things you like and dislike. It's common for buyers to change their must-have list as we view houses and some items become far more substantial than others. If that's the case, I'll search all the listings one more time and narrow it down to the house you've been dreaming about.

Step 4 – Understand the housing market
My understanding of the Guerneville market is a leading aspect in your house search. I'm acquainted with all the schools and neighborhoods, and I can communicate certain districts are "hot" and call for immediate action and others that are "cool" and allow for more consideration.

As we view houses, I'll let you know when the list price has room for bargaining and when I believe the home is "priced to sell." When working with an agent, be mindful and make sure you ask lots of questions. Every real estate agent in Guerneville will convince you they know the housing market. If things don't add up, just call me at 707-303-6358 or e-mail me at , and I'd be glad to answer any questions you may have. My understanding of the market will keep you a step ahead throughout the entire deal.

Step 5 – Find the house you've been looking for
I'm confident we'll find the house of your dreams in Guerneville. When that happens, I'll thoroughly create your home purchase offer. The offer will be made to fit your needs and the home. We'll include many contingencies, such as acquiring financing, finishing the inspection, and a clean title.

Upon submitting your offer, you'll need to submit "earnest money." This is a cash deposit submitted to the seller to secure the offer to buy the property, and it's often put towards the cost of closing. If your offer is accepted by the seller, we should close on the home about 30 to 60 days after. This allows sufficient time for your mortgage financing.

Step 6 – Negotiate
Most deals don't close on the first offer. It's widely common to receive a counter offer. Don't let it discourage you. We'll talk about whether or not to agree to the counter offer, submit our own counter offer, or decline the seller's offer and move on.

How aggressively we negotiate the contract depends on the state of the market. We'll also work within your financing limits. And at the end of the day, we'll put together a deal that works well for you.

Step 7 – Secure a loan
Once the deal is complete, you'll start working with your lender to close the loan. This won't take much time at all if you're pre-qualified, but you need to keep in close contact with your mortgage lender. And I'll take care of all the property information your lender needs to close the loan.

Step 8 – Close the deal
You'll get a Good Faith Estimate (GFE) detailing closing costs from your lender within three days of getting your application. This estimate is formed from the loan amount. RESPA requirements order that it has to contain all closing costs and fall within a narrow range of accuracy, and I'll review the estimate and let you know if it all looks good.

Then it's time to close on your home. This should occur at a title company or escrow office and will most often be a smooth and stress-free occasion.

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

Got a Question?

Do you have a question? We can help. Simply fill out the form below and we'll contact you with the answer, with no obligation to you. We guarantee your privacy.

Your Information
Your Question