I understand that buying a home is a major decision for you that can be filled with apprehension and concerns. My job as a Realtor is to help you find the home that meets your needs and to make the home buying process efficient, stress-free and successful. As your Realty Executives professional, my goal is to help you find the right home. Here are a few steps in the home buying process.

(These will be links to the following information)

● Your Needs Come First
● Financing Your Home Purchase
● How To Look at Homes
● Important Ways to Protect Your Interest
● Submitting an Offer
● Completing Your Home Purchase

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YOUR NEEDS COME FIRST
Finding and buying the right home in the San Antonio area is a highly personalized process and it all begins by identifying your needs.

As you think about finding a home, explore areas such as:

• The values, interests and priorities you want this move to support.
• New Construction or Pre-Excising homes.
• The features you are looking for in a home.
• How a neighborhood can best match your needs and lifestyles.
• How the home finding process will need to be tailored to fit your plans.
• The support you expect to receive from me.

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FINANCING YOUR HOME PURCHASE
Unless you are in a position to pay all in cash for your home, you will need to obtain a home loan (mortgage) to complete the purchase. I will assist you in this process to help ensure that you obtain the financing that meets your needs.

• Being pre-approved for a loan before you submit an offer will put you in a stronger negotiating position and can save time in a loan approval process.
• I can put you in touch with experienced loan officers at leading mortgage companies. Your loan officer will be your prinicipal guide through the financing process.
• Various financing options may be available to you, including:
• Fixed Rate Mortgage
• Adjustable Rate Mortgage (ARM)
• Government-assited (FHA or VA) financing
• Seller assisted financing

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HOW TO LOOK AT HOMES
Discovering the right home should be an exciting event. As a Realty Executives sales professional, my commitment is to make your home search as stress-free and efficient for you as possible.

• Identifying up-front what is affordable will save time and frustration in the home finding process. It is important to consider the financing options available and to begin the mortgage pre-approval process as soon as possible.
• From the multitude of properties currently on the market, I will select those that most closely meet you unique needs and interests. It is best to preview only a few homes at a time.
• We will schedule time to look at homes and neighborhoods. I will arrange showing appointments with the sellers or their brokers.
• If the seller or their real estate professional is at the property when we are there, it would be best for you to limit your converstion with them.
• In order to help me find the right home for you, I will ask you to tell me your thoughts about each property you see – positives and negatives. We will continue to assess your needs and buying critieria.

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IMPORTANT WAYS TO PROTECT YOUR INTERESTS
There are several ways to help support a trouble-free home purchase:

• A written property disclosure statement from the seller will reveal any problems with the house and the surrounding area that you need to know about.
• Professional inspections can reveal structural, roof, termite and other problems with the property that the seller will need to remedy.
• A home warranty can give you peace of mind by providing repair-or-replace coverage of major home operating systems and appliances.
• A preliminary title report informs you of any problems with the property’s title and a policy of title insurance protects your rights to the property.
• A walk-through before closing will allow you to make sure all required work has been taken care of and that the property is ready to become yours.

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SUBMITTING AN OFFER :
Once you have found the right property, the next step is to make a purchase offer to the seller.

Determine the price you want to offer:

• The price the seller is asking may or may not reflect realistic market value.
• The best way to determine market value is with a Comparative Market Analysis (CMA) showing similar properties that sold recently, those that are currently active on the market and those that failed to sell.
• I will discuss with you an estimate of costs associated with purchasing this property.

Decide on financing:

• We will review together the status of your loan pre-approval.
• We will work together with your loan officer to explain financing options and help you determine the mortgage plan that best fits your requirements.

Decide on other issues that are important to you, such as:

• Items of personal property you want included with the house.
• Warranty, inspections, repairs or other home enhancements by the seller.
• Closing date and possessions.

I present your offer:

• The seller will have three choices: accept your offer as it is presented; reject it completely; or propose adjustments to your office (counter offer).
• If there is a counter offer, you can choose whether to accept it, reject it or counter offer.

Once you have reached agreement with the seller, you will have a firm contract to purchase the home.

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COMPLETING YOUR HOME PURCHASE:
Many details need to be taken care of in order for a home purchase to be completed. It can take 15-90 days to complete all the steps involved in a home sale, depending on the complexity of the transaction. I will work closely with everyone involved in the transaction to help ensure that it moves ahead as smoothly as possible:

• Explain to you in detail all the steps that will occur, and answer any questions you might have.
• Work with the seller’s broker to see that they fulfill their responsibilities under the contract.
• Stay in touch with the settlement officer, title officer, lender and others to help coordinate their activities and to help keep the transaction moving forward.