Your Guide to Buying A Home Dennis Britto Dennis Britto Keller - - PDF document

Dennis Britto

Your Guide to Buying A Home

Dennis Britto Keller Williams Real Ettate

The Britto Group:

We offer Insurance, Auto Tags, and Real Estate Services! Our Insurance agents have decades of experience. We offer home, auto, life, and commercial insurance We also offer the CHEAPEST instant title and tag fees in NorthEast Philadelphia. And we offer real estate services whether you would like to buy, sell,

• r invest!

My Promise To You: ➢ Focus on satisfying your home needs ➢ Get everything done efficiently and smoothly ➢ Preview homes on your behalf ➢ Advising you throughout the entire process ➢ Answer and provide any advice on Real Estate

Your Home Buying Process

Select your Real Estate Agent Obtain FInancial Pre Approval Tell us your needs in a Buyer Consultation Select and View Properties Write and Offer Negotiate Terms Accept Contract Order Home Inspection Reply to Inspection Order Appraisal Provide Documents for Mortgage Commitment Review Consumer Disclosure Cancel & Setup new utilities Final Walkthrough Closing

Buyer Consultation

What are you looking for in your nexu Home?

Bedrooms

How many bedrooms do you need? What are your room preferences?

Bathrooms

How many bathrooms do you need? What are your needs for them?

Interior:

What kind of interior style? What kind of floor plan are you looking for?

Location

What city are you looking to live in?

School District

Schedule Viewings and Showings

Found a House you like?

Send the address! We’ll set up a time that works best for you

Web Based Listings

We will find homes for you based on the criteria you have given us

Showings

Once we have compiled list of properties we will coordinate with you on what time and day works best for you.

• 1. Preapproval or Pre-Qualification

Application for Pre Approval Buyer provides documentation Credit Report Buyers Financial Information (BFI)

• 2. Loan Underwriting

Lender verifies documents in detail

• 3. Loan Approval

All parties are nouified of approval Loan Documents are completed and sent to Title Company

• 4. Title Company

Conduct Title search

• 5. Funding

Lender reviews loan package

The Mortgage and Loan Process

Making an Offer

Important factors you should consider while making an offer…

Purchase Price Inclusions Exclusions Earnest Deposit The Move-in Date

What happens when you make an offer?

➔ Accepted Deal ➔ Rejected Offer

➔ Counter offer

Home Inspection and Appraisal

➔ Inspections will be done to ensure your home will be ready to go ➔ Home Inspections and reply will be done within 10-14 days ➔ Afuer receiving reply to home inspection, we will negouiate repairs with the seller ➔ Appraisal will be ordered to ensure property value

Buyer To Do List

➔ Finalize paper for Mortgage Commitment ➔ Obtain Homeowners Insurance ➔ Obtain Home Warranty ➔ 3 days prior to Closing, review Closing Disclosure ➔ Set up utilities ➔ Hire a moving company!

Closing!

Do a Walkthrough a day prior to make sure everything is set Prepare for your closing by acquiring certified fvnds Receive house keys Enjoy your new home!