Looking to purchase a new home in Bucklin? Cossell Enterprises, Inc can help.

For many people, buying a home can be a stressful event. However, with some up-front planning, it's not that hard. I like to give buyers an overview of the entire deal so they know exactly what to expect. These 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 happy to answer any questions you have about this information.

Step 1 – Prepare to buy
There are a lot of things you need to contemplate before beginning your home search. You'll most likely want to create a checklist of features you need to have, get an idea of what neighborhoods and school districts you want to live in, and start planning around your budget. A good rule of thumb to follow is that your mortgage payment should be close to a third of your monthly income.

Step 2 – Contact a real estate agent
This is where Cossell Enterprises, Inc comes in. I'd be happy to arrange a time to meet with you and speak with you about why you want to buy a home and get an idea of your plans for the future. We'll talk about everything from neighborhoods, school districts in the Bucklin area, the mortgage and housing industries, to any other economic factors that may potentially affect your purchase today or in the future.

In addition, I'll help you begin the loan process. I partner with some of Bucklin's best mortgage professionals, so you'll be in great hands. They will assist you with figuring out which type of loan is best for you and help you get qualified.

Step 3 – Begin looking
Following our first meeting, I'll start searching for available homes on the market that are great for you. I'll get a sneak peek of many of the houses and remove the bad ones, and then we'll set up appointments to tour the houses when it's most convenient for you.

When we tour houses, I'll show you the positive features and bad ones. And I'll ask you to tell us about things you like and dislike. Most often, buyers change their list of must-haves as we view homes and some things become more essential than others. If that happens, I'll look through the listings once again and narrow it down to the house you've been waiting for.

Step 4 – Comprehend the housing market
Your agent's awareness of the Bucklin market is an essential aspect in your house search. And I can assure you I'm acquainted with all the neighborhoods and school districts, and I'll communicate certain neighborhoods are "hot" and warrant prompt action and others that are "cold" and allow for more consideration.

When we view houses, I'll let you know if the seller's list price has room for bargaining or if I believe the house is "priced to sell." Trust your instincts and make sure you ask your agent lots of questions, as every REALTOR in Bucklin will claim to truly know the home market. If things don't add up, contact me at 6208265032 or e-mail me at , and I'll be more than happy to answer any questions you might have. My understanding of the market will help you stay a step above the rest through the entire deal.

Step 5 – Find your dream house
We'll find your dream house in the Bucklin area, and when that happens, I'll precisely develop your purchase offer. The offer will be tailored exactly to your needs and the home, including many contingencies. A few examples are obtaining financing, completing the home inspection, and a clean title.

When we turn in your offer, you'll want to present "earnest money." This is a cash deposit made to the home seller to secure the offer to buy the property and is often put towards the cost of closing. If your offer is accepted by the seller, we should close about 30 to 60 days after. This allows plenty of time for your mortgage financing.

Step 6 – Negotiate
A lot of deals don't close on the initial offer. It's widely common to receive a counter offer. Don't let this alarm you. We'll figure out whether or not to accept the counter offer, present our own counter offer, or reject the seller's offer and move on.

Market conditions determine how aggressively we negotiate the deal. We'll also work within your budget. And at the end of the day, we'll formulate a contract that works well for you.

Step 7 – Obtain your loan
Upon signing the contract, you'll start working with your lender to close the loan. This won't take long at all if you're already pre-qualified, but you'll need to stay in close contact with your mortgage lender. And I'll manage all the property information your mortgage lender needs to close the loan.

Step 8 – Close the deal
You'll get a Loan Estimate (LE) outlining your closing costs from your mortgage lender within three days of accepting your application. This estimate is based on the loan amount, and RESPA requirements dictate that it has to include all closing costs and be within a precise range of accuracy. I'll examine the estimate and let you know if it all looks permissible.

Then it's time to close on your home. This will probably take place at a title company or escrow office and will likely be a smooth and calm occasion.

Step 9 – Move in
Congratulations! It's time to move into your new home. Enjoy it. And if you need anything, simply contact me at 6208265032 or e-mail me at .

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