Welcome to the Contra Costa County CA Real Estate Guide to Buying a Home!
With all the changes that have gone in the world, buying a house may seem more confusing than ever. Let me guide you through the process to reduce some of the stress that comes along with this huge life decision. Below is an overview of the Home Buying Process.
Meet with a Real Estate Professional
*The Buyers Advantage: real estate agents’ commissions are paid by the seller of the home, so working with a Realtor® costs you nothing!
After deciding you’d like to work with me, we’ll discuss in great detail the type of home you’re looking for, including style, price, and location. We will get deep into your needs and wants so that I fully understand what you’re looking for in your dream home.
I recognize that the home buying process can be extremely stressful. As your Realtor®, I commit to sharing my knowledge of the local real estate market with you. I will also be available to you to answer your questions and advise you so that you can feel as in control and confident as possible.
When you’re serious about making an offer on a home, you have to be pre-approved. There is a difference between pre-approval and pre-qualification. For pre-approval you’ll need paystubs, W2’s and bank statements. Knowing what you can afford is essential to a positive home shopping experience.
I have business relationships with several local lenders. As your Realtor®, I will match you with the best lender for your situation, so that you don’t waste valuable time and energy. If necessary, I will help you through the process of getting your finances in order, no matter how long it takes.
Search for Homes
Now that we know the type of home you need and how much you can afford, here comes the fun part! Prior to the pandemic virtual home viewing was just taking hold. Now, it’s the only way to view homes that you might otherwise have casually visited on Open House Sundays, back in normal times.
As your Realtor®, I have access to tools and systems to ensure you receive regular and timely notification of properties that match your preferences and budget. When you find a home you’re interested in, I will schedule a time to perform a live virtual tour, inside and out. If you think the home is worth you seeing it in person, let me know and I will schedule a physical showing. While some of these processes are due to pandemic related restrictions, overall it saves you time, energy, and gas money!
Make an Offer
When you have decided to make an offer, I will prepare a Property Report for you, including important local data so that you can make a fully informed decision about what you’d like to offer the home seller.
As your Realtor®, I will prepare the offer based on the price and terms that you choose. After submitting your offer I will remain in contact with the seller’s agent to ensure timely receipt of any response from the seller.
Negotiation and Contract
It may take a few tries to get it just right but hang in there. You’re on your way and I’m here for you.
As your Realtor®, I will use my negotiation skills and training to make sure you get the best possible deal.
Once you and the seller have agreed to the terms, your offer has been officially accepted and escrow is opened, usually with a Title Company. During the escrow period you can and should have a licensed inspector check the condition of the home so that you are aware of any potential issues.
As your Realtor®, I will help you select reputable, licensed inspectors who will review the home inside and out, top and bottom. If there are any repairs to be negotiated, I will work my hardest to get you the best deal. I will also closely monitor the escrow process to make sure all requirements and terms of the contract are met in a timely manner.
After performing your due diligence by having the home inspected and appraised we will review final terms with your lender. You are just one step away from sealing the deal!
As your Realtor®, I will continue to closely monitor the process and regularly update you on the status.
This is the transfer of funds and ownership, facilitated by the Title Company. At this point, you and the seller will sign closing statements. Shortly thereafter you will need to transfer any utilities into your name and collect the keys to your new home!
Congratulations – you’re a new Homeowner!
Sometimes, there’s some additional work that goes into creating our dream home. If you need references of trusted and experienced vendors to help you improve and/or decorate your home, just let me know.
As your Realtor®, I will continue to check in with you after you’ve purchased your new home. Never hesitate to contact me if you have a random question or need a recommendation. I’d also love an introduction to any friends or family members you think I can help out.
I’ll always be here for you!