Steps to Buying a Home: A Comprehensive Guide

1. Preliminary Online Searching:

   Research homes in your desired areas to understand market prices and what to expect.

   Use this information when discussing your preferences with us as your real estate agent.

2. Budget Considerations:

   Give us a call so we can help you utilize an online mortgage calculator to estimate monthly payments.

   Factor in additional costs like utilities to ensure it aligns with your budget.

3. Get Pre-approved:

   Gather necessary documents (pay stubs, W-2s, bank statements, tax returns).

   Approach your current bank and explore other lenders for competitive rates.

   Consider the pre-approval amount as a maximum, not a mandatory spending limit.

4. Find an Agent:

   Give us a call and let us help you find your dream home without the pushy feel.

   Having us as your reliable agent we will guide you through the process and provide valuable insights.

5. Home Exploration:

   Exercise patience as your agent shows various homes based on your preferences.

   Share detailed feedback to refine the search, understanding the process may take time.

6. Make an Offer:

   Move quickly when you find your ideal home.

   Your Hoskins and Associates agent will advise on a reasonable initial offer, considering market conditions and closing costs.

7. Negotiation:

   Engage in back-and-forth negotiations with the seller.

   Your agent will act as your advocate, seeking the best deal while respecting all parties involved.

8. Accepted Offer:

   Celebrate as an agreement is reached.

   Place a deposit in an escrow account, indicating your commitment.

9. Home Inspection:

   Hire a professional inspector to assess the property thoroughly. Sometimes homes will need many types of inspections from home, roof, pool, radon, survey, HVAC and much more.

   Use inspection results to negotiate repairs or adjust the selling price.

10. Closing:

    Once your offer has been accepted and due diligence has passed we will schedule your closing with the lender on the contract. The closing will take 1-2 hours to complete. Be sure to take off from work and arrive at the closing table with your drivers licenses or an ID.

    Make sure you send your funds directly to the attorney prior to heading to the closing table.

    Spend time signing paperwork and, upon completion, receive the keys to your new home.