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Dustin Hook

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"Buying a Home... A STEP-BY-STEP Guide."
by Dustin Hook (REALTOR)

 

1.  Contact a REALTOR®

As a Full-Time REALTOR,  I am trained to help YOU through the entire process of buying a home, starting with your mortgage and continuing right through closing – and beyond.  The homebuying process should be a pleasant experience... Providing you the best guidance, communication, & knowledge is my #1 goal. 

2.  Get Preapproved for a Loan

Obtain a copy of your credit report and your FICO score and, if necessary, do what you need to do to improve it. The higher your FICO score, the better interest rate you can typically command. You can usually get this information for FREE online.  A Loan Officer will explain what other information you will be required to provide. This can usually take place over the phone in less than 30 minutes.

3.  Determine a Price-Range & Particular Areas/Neighborhoods of Interest.

Establishing a comfortable price-range will help you narrow down your home search and make the decision making process less complicated for you. You should also begin researching the areas & neighborhoods that appeal to you most.  I can always help in providing you with information regarding schools, local data, nearby amenities, etc.  Feel free to ask!

4.  Decide Which Amenities and Features You MUST Have – and Which Ones Would Be Nice but not Necessary.

How many bedrooms & bathrooms do you want? Would you prefer a newer home or an older one with established landscaping? Are hardwood floors a must? Is an updated kitchen important to you? Walk-in closets? Which features would you be willing to give up if you find the otherwise-perfect home? ETC ETC...  I always recommend making a list of these preferences to help you get a better understanding of what you truly want in a home...  When there are a lot of homes available in a particular price range, distinguishing these "pros" & "cons" may seem overwhelming at first.  However, by putting your thoughts to paper, it helps simplify the process.  This is a great way to help you visualize & understand what aspects of each home will matter most to you!

5.  Begin Testing the Market

All across the Internet & SelectHomeFinder.com, you can find thousands of available listings as well as local neighborhood data. Take some time and identify properties that may be a good fit for you, take an afternoon and go on a driving tour of prospective neighborhoods & areas.  See what's available in your price range and explore these neighborhoods.  If School District is a priority,  I can provide you local websites & administrative phone numbers. 

6.  Begin Seriously Looking at Homes

After you've previewed homes online,  narrow your search down to all homes that you would like to take a walk through in person.  From here, I will schedule us appointments at each property based on your schedule & availability.  After walking through each home,  don't be afraid to express your opinions out loud (positive & negative.)  Be sure to keep in mind that the current owner will most likely have different "taste" than you do!  It's best to look beyond these "changeable" factors and keep focus on the "unchangeable" factors of each home.  ***Never be afraid to ask questions!  I am here to cater to your needs and I can best advise you when you are open & honest throughout your search. 

Once again,  I recommend making a list of PROS & CONS after walking through each home.  This will help you narrow your search and get closer to finding the home that is best fit for YOU.

As your Agent,  I have the benefit of receiving 24/7 instant updates of New Listings & Price Adjustments in your area of interest (Before the general public).  I may suggest that we see certain homes based on your criteria even if a certain property has not been brought to your attention via online search, webpage, etc.

7.  Make an Offer

Once you've identified the home you want to buy, I suggest we sit down at a neutral location where we can focus on preparing the most suitable offer for you.  I will be familiar with market values and comparable properties to help you arrive at a price that gives your offer the best chance of being accepted.  There are multiple terms to each offer (Price, Hand Money, Inspections, Mortgage)  I will go over each page of the Agreement at a pace that you are comfortable with before moving on.

*At this stage, try not to become emotionally attached to a home.  As exciting as it is to find & commit to the right home,  there is always a chance that your offer may not be accepted for many number of reasons. Be prepared to negotiate through your agent with the sellers. 

8.  Congratulations!  Your Offer Is Accepted... Now what?!

9.  Closing Time:

ENJOY YOUR NEW HOME!  

Buying a home is probably the largest investment you'll make in your lifetime. Having an experienced & knowledgeable agent representing you in this transaction is important!

I take pride in being available to my clients Before, During, & AFTER your transaction is complete!   I would be happy to put you in touch w/ local designers, contractors, electricians, etc... All you have to do is ask! 

 

 

 

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