The Buying Process

1. Determine Your Budget: Calculate how much you can afford to spend on a home, factoring in your savings, income, expenses, and potential mortgage payments. Make sure you are ready both financially and emotionally. 

2. Pre-Approval for a Mortgage: Get pre-approved for a mortgage from a lender. This will give you a clear idea of your budget and show sellers that you are a serious buyer. They will work with you on what you require to apply. Once approved, this will determine how much you can afford to spend on a new home.

3. Research Properties: Start searching for properties that meet your criteria, such as location, size, amenities, and price range. You can use my website anneemini.com  As your agent I will help guide you through the process and discuss your price range, ideal locations, current market conditions and much more.

4. View Properties: Schedule viewings of the properties you're interested in to get a firsthand look and assess their condition, layout, and suitability. I will get you information on new homes that meet your criteria as soon as they’re listed.  I will work with you and for you to ensure you find your dream home.  My experience is a valuable resource as you consider different properties. I will be there when you have questions regarding the homes you’re interested in – and can tell you what is a good deal… and when to walk away.

5. Make an Offer: When you find a home you like, as your agent I will help you make an offer to the seller. The offer will include the price you're willing to pay and any conditions you want to be met (such as a home inspection or financing),  I will help create your offer tailored to your needs including the right subject clauses down to the closing date that best works for you.

6. Negotiate: The seller may counter your offer, and negotiations may ensue until both parties reach an agreement on the price and terms of the sale. You may receive a counter offer but don’t be worried!  I will negotiate for you to ensure you get the best possible price for the house you love. 

7. Accepting the offer it’s crunch time! The next few weeks are busy as you need to schedule and remove every one of your subject clauses by the specified date. You’ll likely need to schedule an inspection, appraisal, financing approval, and several others. You will also need to provide a deposit to put down on the home. The deposit will be a pre-determined amount given intrust to your Realtor to show the sellers you are committed to this home. Don’t worry, that money goes towards the purchase of said home if all goes well! This is a busy time but rest assured I will guide you and answer all your questions. Home Inspection: Once your offer is accepted, hire a qualified home inspector to thoroughly assess the property for any issues or defects. Depending on the inspection results, you may negotiate further with the seller to address any concerns or request repairs.

8. Home Inspection: Once your offer is accepted, hire a qualified home inspector to thoroughly assess the property for any issues or defects. Depending on the inspection results, you may negotiate further with the seller to address any concerns or request repairs.

9. Finalize Mortgage: Once you're satisfied with the inspection and negotiations are complete, finalize your mortgage with your lender. Provide any necessary documentation and complete the mortgage application process.

10. Lawyer Review: Hire a real estate lawyer to review the purchase agreement, ensure all legal requirements are met, and handle the transfer of ownership.

11. Closing: On the agreed-upon closing date, complete the final paperwork, pay any remaining closing costs, and officially take possession of the property. Your lawyer will register the transfer of ownership with the appropriate authorities.

12. Move-In: Once the sale is finalized, you can move into your new home and begin enjoying your new space. Congratulations, you are officially a homeowner! Enjoy and make some Amazing Dreams a Reality. 

It's essential to work closely with professionals who put your needs first throughout the process, such as real estate agents, mortgage brokers, home inspectors, and lawyers, to ensure a smooth and successful home-buying experience. My Team and I are here for you.