Five steps to purchasing Real Estate:
1. KNOW WHAT YOU WANT – There are many things to consider when purchasing a property: your price range, timeframe, community and lifestyle.
2. CHOOSING A REALTOR – A REALTOR is a member of the National Association of Realtors, which adheres to a strict Code of Ethics, Training and Education. Experience matters, especially when it comes to your real estate needs. Let me put my experience, knowledge and expertise to work for YOU.
3. CHOOSING A LENDER – Contact a Hilton Head Island area mortgage lender prior to starting your search for real estate. Using a mortgage company in the local area in which you are purchasing real estate property, assures that they will have optimal knowledge of property values or lending requirements. Take the time now to determine your loan amount and the loan package that best suits your needs. If you need recommendations for mortgage companies in the Hilton Head Island area, I would be happy to assist you or just look on my meet the team page.
4. CHOOSING A HOME & MAKING AN OFFER – Will your real estate purchase be your primary residence, second home, or investment property? I will work with you to locate properties that meet your criteria. Once you have decided on a particular property, a written contract with your offer will be submitted to the Seller of the property. The Seller in turn, will either accept your offer, make a counter offer or decline your offer. It is important to be available to me so that any changes to the contract can be reviewed quickly.
5. CLOSING – Once you have a fully executed contract (all parties have reached an agreement and have signed the contract), it is time to choose an attorney to represent you. Ask me for recommendations. If a home inspection is part of your contract, you (the Purchaser) will hire a licensed Inspector to perform a home/villa inspection. The inspector will insure that all heating, air conditioning, plumbing, electrical systems, fireplace, appliances, pool and spa are in good working order, that the structure is reasonably sound and the roof free of leaks. Your inspector will send you a report stating the condition of the home and the afore-mentioned items. If any of these items are not in good working order at the time of inspection, you (the Purchaser) with my guidance will submit a request for repairs to the Seller. Once the Buyer and Seller have come to an agreement on the repairs, the Seller then procedes in making the repairs. The CL-100 (termite inspection) and any required repairs is usually done at the Seller’s expense. Your attorney will guide you through the closing process and answer any legal questions that you may have.
As Your Agent, I Will:
- • Assure that you see all the properties in the area that meet your criteria.
- • Guide you through the entire home buying process, from finding homes to look at, to getting the best financing.
- • Make sure you don’t pay too much for your new home and help you avoid costly mistakes.
- • Answer all of your questions about the local market area, including schools, neighborhoods, the local economy, and more.
Before You Start Looking For Your New Home:
- • Check your credit rating. Straighten out any errors before its too late.
- • Determine a comfortable monthly budget for your new purchase, including down payment and monthly payment.
- • Find a loan program that meets your needs and get pre-qualified (preferably pre-approved).
- • Choose a REALTOR® that you trust and who understands your needs.
- • Determine what neighborhood best matches your needs.
- • Identify important features you need your new home to have.