Attention home buyers! You probably can’t wait to get out there and make an offer on your new home. But wait a minute. Don’t start shopping without a plan.

It will save you time and money and make sure you get the right home for you.

• Get your finances in order. This includes saving for your down payment, deciding on a budget, and getting pre-approved for your mortgage.
• Do some research and decide on features. Once you have a budget you’ll have a better idea of where you can look for homes, what type of home you’ll be looking for and what features are within your budget. Knowing the neighborhoods and deciding what home features are absolute must-haves gives you a good place to start narrowing down the search.
• Your real estate agent. You'll need a close ally by your side to guide you through the home-buying process. From pre-approval to closing day, I can make your home-buying process easy.
• Start your home search. Since you already know what you’re looking for this will be the fun part!
• Find the right home for you and make an offer. This is really where the final paperwork starts. You’ll put in an offer on paper and start the mortgage process.
• Get your home appraised and inspected. Many first-time buyers don’t realize these are two different things. The appraisal is required by your mortgage company and the appraiser is a neutral party that examines the property to determine the current actual value. With a home inspection, the inspector examines the house for major and minor defects and safety issues. Often the sale of the home is contingent on the inspection showing the home has no significant defects. Most buyers get a general home inspection, but depending on the situation, you may need additional inspections such as a pest or sewer inspection or a radon test.
• Get homeowners insurance. Contact your insurance agent and shop around for the right coverage.
• Do the closing paperwork. This is the last opportunity to make sure you understand everything and sign the papers. You will have some money due at closing and get the keys.

That’s it. Just a few simple steps and you’re on your way to moving into your new home!  Contact me when you're ready to get your own home-buying plan started.  I'll be glad to help.