The Home Buying Process

*This varies as every Home Purchase is different

PRE-PURCHASE CONSULTATION: PRE-LOAN AGREEMENT
BUYER REPRESENTATION AGREEMENT
MARKET EDUCATION – FINDING A HOME
SELECT A HOME TO BUY – WRITE THE OFFER
OFFER PRESENTED TO SELLER
NEGOTIATION OF TERMS
RATIFIED PURCHASE CONTRACT
EARNEST MONEY DEPOSIT
SCHEDULE INSPECTIONS RECEIVE DISCLOSURES
BEGIN SETTLEMENT PROCESS DEPOSIT EARNEST MONEY
FINAL LOAN PROCESS STARTS
REVIEW DISCLOSURES RECEIVE DISCLOSURES
TITLE SEARCH PRELIM TITLE REPORT
PROPERTY APPRAISAL
REMOVE INSPECTION & OTHER CONTINGENCIES
CREDIT REPORT
VERIFICATION
ARRANGE FOR HOMEOWNERS INSURANCE – ARRANGE FOR MOVERS –
ARRANGE FOR HOME WARRANTY
FINAL LOAN COMMITMENT – REMOVE FINAL CONTINGENCIES
SUBMIT BALANCE OF DOWN PAYMENT TO TITLE COMPANY
SIGN CLOSING AND LOAN PAPERS AT TITLE COMPANY
LOAN RECORDING-RECORD TITLE
CLOSE – GET THE KEYS
WELCOME HOME!