Are you purchasing your new home in Bucklin? Cossell Enterprises, Inc can help.

Buying a home is stressful for most people, but it isn't all that complicated with some up-front planning. So they'll know exactly what they can expect, I will supply buyers with a road map of the entire deal. Here are my nine steps to purchasing a home. When you're ready to get started, you can contact me here or e-mail me at . I'm glad to answer any questions you have regarding this information.

Step 1 – Prepare to buy a home
There are several things you'll want to consider before beginning your home search. When you start your search, you'll want to make an index of features you want to have, get an idea of what neighborhoods and school districts you'd like to live in, and begin planning your budget. A good principle to go by is that your mortgage payment should be no more than 30 percent of your monthly income.

Step 2 – Connect with a real estate agent
That's where I come in. I'd love to set up a time to get together with you and speak with you regarding your real estate needs and get an idea of your upcoming plans. We'll discuss the mortgage and housing industries, other economic factors that could potentially affect your purchase today or in the future, as well as neighborhoods and schools in the Bucklin area.

I can also help you get started on your loan. There are some very good mortgage professionals in Bucklin, and I partner with a lot of them, so you'll be in great hands. They'll assist you with deciding which type of loan is best for you and help you get qualified.

Step 3 – Begin your search
After our first meeting, I'll start looking for available homes on the market that meet your needs. I'll get a sneak peek of most of the homes and eliminate the bad ones, and then we'll book appointments to tour the homes when it's convenient for you.

When we view homes, I'll point out good features, as well as bad ones. And I'll ask you to tell us about things you like and dislike. It's common for buyers to change their list of must-haves as we tour homes and some things become more essential than others. If that's the situation, I'll look through the listings once again and trim it down to the home you've been wishing for.

Step 4 – Get a grasp of the housing market
My knowledge of the Bucklin market is a fundamental element in your house search. I'm informed of all the schools and neighborhoods, and I can communicate some neighborhoods are "hot" and demand prompt action and others that are "cold" and allow for thoughtful consideration.

As we tour houses, I'll make sure to communicate when the list price has room for bargaining and when I know the house is "priced to sell." Be on guard and be sure to ask your agent lots of questions, as every REALTOR will tell you they truly understand the home market. If it doesn't seem like they know everything, just call me at 6208265032 or e-mail me at , and I'll be glad to answer any questions you have. My knowledge of the market will help you stay a step above the rest through the entire process.

Step 5 – Find the home you've been waiting for
I'm positive we'll find your dream home in Bucklin. When we do, I'll carefully create your real estate purchase offer. The offer will be made to suit your needs and the home. We'll include several contingencies, such as getting financing, finishing the home inspection, and a clear title.

When presenting your offer, you'll need to submit "earnest money." This is a cash deposit given to a seller to secure an offer to buy the property and is most often put towards the cost of closing. If the offer is accepted by the seller, we should close on the home about 30 to 60 days after. This allows ample time for your mortgage financing.

Step 6 – Negotiate
A lot of contracts don't close on the first offer. It's extremely common to receive a counter offer. But don't let it intimidate you. We'll talk over whether or not to agree to the counter offer, present our own counter offer, or reject the seller's offer and go on.

Market conditions determine how aggressively we negotiate the contract. We'll also work within your financing budget. And when it's all said and done, we'll create a deal that's best for you.

Step 7 – Obtain your loan
After the contract is signed, you'll start working with your lender to close the loan. If you're already pre-qualified, it shouldn't be a long process at all. However, you should to keep in close contact with your lender. And I'll look after all the property information your mortgage lender needs to close the loan.

Step 8 – Close the deal
You'll get a Loan Estimate (LE) of your closing costs from your lender within three days of accepting your application. This estimate is formed from the loan amount. RESPA requirements mandate that it has to involve all closing costs and be within a strict range of accuracy, and I'll examine the estimate and let you know if everything looks all right.

Then it's time to close on your home. This will most likely take place at a title company or escrow office and is often a smooth and comfortable occasion.

Step 9 – Move in
Congratulations! Now you can move into your new house. Enjoy it. And if you have any questions, simply contact me at 6208265032 or e-mail me at .

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