Unless you’re paying cash for your home, you’ll need to talk to a good local lender about obtaining a pre-approval letter for financing. The lender can provide answers to questions about interest rates, closing costs, loan products, down payment requirements, & monthly payment expectations. We can provide referrals for mortgage lenders if needed.

We will sit down with you to discuss your search criteria in detail, review available inventory, review the Buyer-Broker Representation Agreement and answer any questions about the home buying process. This will maximize the efficiency of your time looking at properties that meet your criteria and we can all be on the same page with your timeframe and home ownership goals.

Finding the right home is about more than checking boxes—it's about recognizing the right opportunity. We'll refine your search, preview options, and tour homes that align with your lifestyle, goals, and long-term investment potential.

When you find the one, our role becomes even more critical. Whether you're competing in a multiple-offer situation or negotiating with a single seller, we'll help you develop a strategic offer that strengthens your position while protecting your best interests. With extensive experience navigating competitive markets, we'll guide you through every decision with confidence, ensuring you're prepared to act quickly and strategically when the right home becomes available.

Once you have found "The One", we will review the comparable sales data to analyze the list price and come up with an offer strategy. We will review the sales contract and offer terms and present the offer in writing to the listing agent. You will be guided through the negotiation process and once terms are mutually agreed by buyer and seller, the offer will be revised for the seller to sign. Once the contract is signed by both parties, you will be officially under contract! Initial earnest money will be due, typically $1000 paid by personal check or wired funds. There is also a second amount of earnest money due after the attorney review and inspection period are completed.

You will have an inspection contingency, typically 5 business days, to conduct an inspection after the offer is signed. We can provide referrals for professional home inspectors if needed. The buyer covers the cost of the inspection.  If any serious issues are uncovered, we will help you negotiate seller repairs or credits at closing.

You will have an attorney review contingency, typically 5 business days, to have an attorney review the contract after it is signed. We can provide referrals for local real estate attorneys if needed. If there is a condo association, this will be your opportunity to review all of the condo association documents, budget, and meeting minutes. Your attorney will negotiate amendments to the contract as well as formalize any inspection repairs/credits that the seller agreed to. You will pay for the attorney’s fee (typically $600-$850 and up) upon closing.

If you are obtaining financing, you will need to make a loan application upon receiving the contract. Your lender will let you know the list of financial documents necessary to provide to the lender including a couple of months of bank statements, tax records, pay stubs, etc. Once you feel confident your home purchase is moving forward after attorney review/inspection period, your lender will have an appraisal done on the property.

 If you are obtaining financing, you will have a mortgage contingency of typically 30-45 days to obtain a mortgage commitment. Once your lender has all of your documents, they will send it to underwriting to review. Once underwriting has issued a Clear-to-Close, your loan is complete and the file will be sent to the title company for closing.

Before you head to the closing table, we’ll have a final walk through of your future home. This is our opportunity to ensure that the sellers made any agreed-upon repairs, all appliances and fixtures negotiated were left behind and that the sellers didn’t accidentally damage the home when moving out.

Your closing will take place with your attorney at the office of the seller's title company. Your attorney will explain each form you need to sign and will review the numbers on the settlement statement. Closings typically take a couple of hours on average. When closing is complete, you’ll receive the keys to your new home!