Let Cossell Enterprises, Inc assist you with buying a home in Bucklin

For a lot of people, buying a home can be a stressful event. But with a little up-front planning, it's not all that complicated. I like to furnish buyers with an outline of the entire deal so they know exactly what they can expect. These are my nine steps to purchasing a home. When you're ready to get started, just contact me here or e-mail me at . I'm glad to answer any questions you have about this information.

Step 1 – Prepare to purchase a home
There are many things you need to consider before beginning your home search. When you begin your search, you'll want to put together an index of items you want, get a feel for what neighborhoods you want to live in, and start planning your budget. Ensuring your mortgage payment is less than 1/3 of your monthly income is a good rule to follow.

Step 2 – Connect with a real estate agent
This is where I can help. I'd be happy to set up a time to get together with you and communicate with you about why you want to buy a home and get an idea of your upcoming plans. We'll talk about the mortgage and housing industries, other economic factors that may affect your buying decision today or in the future, as well as neighborhoods and schools in the Bucklin area.

I'll also help you get started on your loan. There are some excellent mortgage professionals in Bucklin, and I work with a lot of them, so you'll be in great hands. They will help you decide which kind of loan is best for you, as well as help you get qualified.

Step 3 – Begin your home search
After our initial meeting, I'll begin looking for available houses on the market that suit your needs. I'll preview most of the homes and exclude the bad ones, and then we'll schedule appointments to tour the homes whenever it's convenient for you.

When we view the homes, I'll call attention to positive features, as well as negative ones. I'll also ask you about things you like and dislike. For the most part, buyers update their wish list as we view homes and some items become far more necessary than others. If such is the case, I'll search all the listings once more and narrow it down to the home of your dreams.

Step 4 – Know the market
My awareness of the Bucklin market is a leading agent in your home search. I'm familiar with all the school districts and neighborhoods, and I'll communicate which areas are "hot" and warrant prompt action and some that are "cold" and allow for thoughtful consideration.

When we tour homes, I'll make sure to communicate when the seller's asking price has room for bargaining and also when I know the house is "priced to sell." Trust your instincts and make sure you ask plenty of questions, as any real estate agent will tell you they truly understand the home market. If things don't add up, contact me at 6208265032 or e-mail me at , and I'll be glad to answer any questions you may have. My knowledge of the market will help you stay a step ahead through the entire process.

Step 5 – Find your dream house
I know we'll find your dream home in the Bucklin area. When that happens, I'll precisely develop your home purchase offer. The offer will be tailored keeping your needs in mind and the home, including a lot of contingencies, such as acquiring financing, finishing the inspection, and a clean title.

When we send in your offer, you'll need to submit "earnest money." This is a cash deposit submitted to the seller to secure an offer to purchase the property and is often applied to the closing costs. If your offer is accepted, we should close on the home about 30 to 60 days after. This allows enough time for your mortgage financing.

Step 6 – Negotiate
Most deals aren't closed on the initial offer. It's extremely common to receive a counter offer. But don't let this discourage you. We'll talk over whether or not to take the counter offer, propose our own counter offer, or decline the seller's offer and go on.

Market conditions will play a large role in how aggressively we negotiate the contract. We'll also work within your financing limits. And at the end of the day, we'll create a contract that works well for you.

Step 7 – Get financing
After we sign the final deal, you'll begin working with your mortgage lender to close the loan. If you're pre-approved, this shouldn't take very long at all. However, you'll need to stay in close contact with your lender. And I'll manage all the property information your lender will need to close the loan.

Step 8 – Close the deal
Your mortgage lender will send you a Loan Estimate (LE) of closing costs within three days of getting your application. You'll get a Loan Estimate (LE) detailing closing costs from your lender within three days of accepting your loan application. This estimate is formed from the loan amount. RESPA requirements dictate that it has to involve all closing costs and fall within a strict range of accuracy, and I'll analyze the estimate and let you know if it all looks okay.

Then we'll close on your home. This will most often occur at a title company or escrow office and will likely be a smooth and relaxed occasion.

Step 9 – Move in
Congratulations! Now you can move into your new home. Enjoy it. And if you need anything, make sure you call me at 6208265032 or e-mail me at .

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