Copyright © 2006 - 2008 HomesByCharly.com
Buying a home raises lots of questions. My goal is to get those questions answered for you and guide you through the home buying
process. This Checklist is organized into 3 main sections – Getting Started, House Hunting, and Buying. As you move along this road
you will probably have questions. As a Professional Real Estate Agent that has been through this process hundreds of times, I am
happy to be available to help you with and questions or additional information you might need. I can often make your home search
easier and faster, so feel free to call at any time.
BUYING
Your offer is the purchase document. The seller can sign, counter-offer on specific details or reject the offer. Negotiation takes placeby trading multiple counter-offers. This is the time when your Agent keeps the communication open until agreement is reached. Once
everything is negotiated, and when the seller signs it, it becomes a binding sales contract. It contains all the terms and conditions of
the sale. Everything is negotiable between Buyer and Seller. Typical conditions are: price, deposit, down payment and amount of loan,
what items convey with the home, date and time of settlement and occupancy. Any contingencies agreed upon need to met before
settlement such as improvements, inspections, clear title, proof of financing.
Remember this is a detailed transaction:
Have all the loan forms, proof of down payment, required documents ready for the bank and forms filled out as soon as possible.
Get the inspections, appraisal, termite inspection, completion of repairs, title search, get your home owner’s insurance and utilities
started in time for closing.
Expect “closing costs”
Loan origination fee, discount/origination points on mortgage, title search, lender’s title insurance fee, survey fee, appraisal fee,
recording fees, prepaid interest on mortgage, homeowners insurance premium, property tax escrow, title company fees. Your agent
can give you a good faith estimate of what these will be.
process. This Checklist is organized into 3 main sections – Getting Started, House Hunting, and Buying. As you move along this road
you will probably have questions. As a Professional Real Estate Agent that has been through this process hundreds of times, I am
happy to be available to help you with and questions or additional information you might need. I can often make your home search
easier and faster, so feel free to call at any time.
BUYING
 | OFFER |
| NEGOTIATION |
| CONTRACT |
| MORTGAGE |
| CLOSING (SETTLEMENT) |
Your offer is the purchase document. The seller can sign, counter-offer on specific details or reject the offer. Negotiation takes place
everything is negotiated, and when the seller signs it, it becomes a binding sales contract. It contains all the terms and conditions of
the sale. Everything is negotiable between Buyer and Seller. Typical conditions are: price, deposit, down payment and amount of loan,
what items convey with the home, date and time of settlement and occupancy. Any contingencies agreed upon need to met before
settlement such as improvements, inspections, clear title, proof of financing.
Remember this is a detailed transaction:
Have all the loan forms, proof of down payment, required documents ready for the bank and forms filled out as soon as possible.
Get the inspections, appraisal, termite inspection, completion of repairs, title search, get your home owner’s insurance and utilities
started in time for closing.
Expect “closing costs”
Loan origination fee, discount/origination points on mortgage, title search, lender’s title insurance fee, survey fee, appraisal fee,
recording fees, prepaid interest on mortgage, homeowners insurance premium, property tax escrow, title company fees. Your agent
can give you a good faith estimate of what these will be.
Home Buyer's Guide - Buying
Thank you for allowing me to share with you my experience and knowledge of the Home Buying Process.” After reading Buying, if you
have any questions or require further information, simply enter your contact information below and I'll get back to you right away.
have any questions or require further information, simply enter your contact information below and I'll get back to you right away.
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