12 Step System

1. SELECT A REAL ESTATE AGENT:

Our Team of Real Estate Professionals are full-time agents with extensive market knowledge, who will work with you closely to find you the right home.

2. INITIAL CONSULTATION WITH AGENT TO EVALUATE YOUR NEEDS:

Once we have establish your basic purchase needs, we will provide you with the guidance that you need to get officially pre-approved with the best financing that is available at the time.

We want to be able to submit your offer with a pre-approval letter, which makes your offer more serious than those who submit purchase offers without approval.

Once we know how much you will qualify for we will start looking for your home - via MLS, Newspapers, FSBO, etc,.We will inform you of these properties - Face to Face, via Email and/or by mail.

3 IDENTIFY YOUR FUTURE PROPERTY

Once we have Identified your future property we put your estimated
pre-approval letter
together with the offer.

4. DETERMINE THE SELLER'S MOTIVATION:

Determining the Sellers Motivation is vital - the more motivated the Seller is the better offer we can get you, if the Seller is willing to sit it out for a while until he/she gets a better offer, then he/she will typically keep his/her listed price the same and wait for an offer of his/her choice.

5. WRITE THE OFFER TO PURCHASE:

We write your Purchase Offer with contingencies that protect our Buyers. Our Agent/Brokers are throughly trained on Contract Law and the structure of how to write a 'Purchase Offer'.

Along with the 'Purchase Offer' you must provide your Agent/Broker with a 'Good Faith Deposit' check this check can either go towards your Purchase Closing Costs when you close or be applied to the Purchase Price of the House. This check is consideration on your part to show the Seller that you are serious about purchasing his/her home and makes the 'Purchase Contract' valid.

6. PRESENTATION OF OFFER:

We will present your 'Purchase Offer' and your 'Earnest Money Deposit' check to the Seller. The Seller has three options, they can:

Accept your offer,
Counter your offer,
Reject your offer.

If they 'Accept Your Offer' you have a home. If they 'Counter Your Offer' it may be on the account of Price or Terms, we talk to you about the counter and what it means and negotiate a happy medium between you and the Seller. If they 'Reject Your Offer' it may be for a varety of reasons, (a) they may have received a better offer and accepted that instead of yours, (b) they may not have liked any of the Price or Terms that were listed on your Purchase Offer, or (c) they may have had a total change of plans in Selling their property and want to take their property off of the market.

7. WAIT FOR THE SELLER'S RESPONSE:

We will inform you of the Sellers response what ever it is and let you know what the next steps are in the 'Purchase Offer'.

8. OPEN ESCROW WHEN YOUR PURCHASE OFFER IS ACCEPTED:

When the 'Purchase Offer' is accepted, it will be signed by all parties, we will open escrow for you. At this time your "Earnest Money Deposit" will be deposited into a neutural Escrow Account and held their until the Close of Escrow. We handle all of the paperwork for you from start to finish with all the parties involved in the transaction.

9. DISCLOSE, INSPECT AND PASS THE CONTINGENCY PERIOD:

This is a set limited time period that you will have to complete all purchase requirements. It includes, but is not limited to financing, inspections and/or any other contingencies that may be set in place by the Buyer or Seller. Contingencies are subject to the close of your home, if all required contingencies are not met your home will not close as planned.

Contingencies include clauses and requirements such as:

Approval of the Seller's TDS,
Approval of the Preliminary Report (Prelim),
Appraisals and Loan Approvals (if required),
Inspection and certifications.

10. GET HOMEOWNERS INSURANCE:

We will coordinate between Real Estate Agents, Insurance Agents, and Escrow and Title Officers to make sure your policy is in effect by the close of escrow.

11. DOWN PAYMENT AND/OR CLOSING COST FUNDS:

Down payment funds, must be liquid funds either in a money order or cashier's check, these funds must be prepared and ready to give before the close of escrow. The type of loan you get will determine how much you will need for your down payment.

For example: if you purchase a $200,000.00 dollar home and have a 97% loan, you will need to come up with a total amount of $6,000.00 dollars at close. But if you have a 100% loan their will be no down payment for you, all you would need is your closing costs fees which include your Loan Origination, title and escrow, etc.,

12. CLOSE ESCROW:

After all the conditions and contingencies have been met, you will be ready to close. You will meet with your Escrow Officer and sign all of your loan documentation's and closing papers. At that time the close will occur and the new deed will be recorded and you will take ownership of your new home.

We show you the Simple '12 Step Purchase System'
so you can get the home you want.

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