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When buying a home, it can be an exciting process, but there are many steps that you will want to consider for a successful transaction. Below are some tips for you to follow so that you can be best prepared.

Hire a Mortgage Agent:
Hiring a mortgage agent is a preliminary step that you will want to take. A mortgage agent will help you with checking your credit and will pre-approve you for an amount to borrow for a loan. The approval amount will indicate the price range of homes that will be in your search. Finally, they will provide you with a pre-approval letter that you will need to accompany your offer.

Limit Spending:
You will need to have money for a down payment, closing costs, moving expense and other miscellaneous incidentals throughout the process. A mortgage agent can give you a good faith estimate of what costs to prepare for depending on your situation. It is best to refrain from any larger purchases at this time as that can affect your qualification for a mortgage.

Each area has its own unique amenities, culture and services so make sure to do your due diligence and explore which are best for you. Proximity to transportation, your work commute as well as cost of the homes that are suitable for your need should all be considered. I can also help find the right areas to focus on based on my years of experience and area knowledge.

Home Inspection:
Arranging for a home inspection is essential for a better understanding of what your potential new home may need in repairs. A professional knows exactly what to look for with regard to current conditions, but this report can help you in budgeting for future expenses. If any extensive repairs are needed, this can sometimes call for further negotiation with the seller.

Enter Contract:
After your inspection is complete, the next step is to sign your Purchase and Sale Agreement, commonly called “P & S.” This contract solidifies all terms of your offer including important dates and will be accompanied with your down payment funds. You may have additional steps or paperwork for your loan, but this will be the next major step until your walk through followed your actual closing.

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  • Sandy Davenport

    1557 Gulf Shores Pkwy, Gulf Shores AL 36542



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