Beginning The Process:
□ Select a real estate agent you can trust and in turn, be loyal to.
□ Sign a buyer’s agency agreement to gain top priority with your agent.
□ Obtain a pre-approval letter from the lender of your choice. Give a copy to your agent.
□ Decide which locations and features are most important to you in a home.
Discuss them with your agent and determine the most convenient search process.
□ Select the homes you would like to see.
□ Tour homes with you agent, discussing your likes and dislikes as you go.
Making An Offer:
□ Once you find the home that is right for you, sit down with your agent and write up
the offer to purchase.
□ Make sure you understand the earnest money deposit and the terms of the offer,
asking any questions along the way.
□ Read the Seller Disclosure Statement carefully. Ask any questions of your agent.
□ Your agent will negotiate the offer with the seller until both parties have come to an
agreement. This is called mutual acceptance.
After Mutual Acceptance:
□ Make formal loan application with your lender and apply for Homeowner’s Insurance.
□ Go along on the inspection if possible. It is important to understand the inspector’s
findings and to get to know the house.
□ Decide with your agent what your inspection response will be.
Will you ask for anything to be fixed? Your agent will negotiate this with the seller.
□ Your lender will have the property appraised to verify the value.
□ Once all loan conditions are cleared, your final documents will be sent to escrow.
□ Sign the final documents and make your down payment/closing cost payments at the
escrow company. This will typically take place a few days prior to closing.
□ Once your agent has recording numbers and the funds have been disbursed to the
seller, the house is yours! The seller has until 9:00 pm to provide keys, though often
it will happen much sooner.
□ Congratulations! Enjoy your new home!
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