Are you looking to buy a home in Bucklin? Cossell Enterprises, Inc can help.

With a little up-front planning, purchasing a home isn't very difficult, but the event intimidates many people. So they'll know exactly what they can expect, I like to give buyers an overview of the whole deal. These are my nine steps to buying a home. When you're ready to get started, just contact me here or e-mail me at . I'm happy to address any questions you have regarding this information.

Step 1 – Get ready to purchase
There are plenty of things you should contemplate before commencing your home search. You'll want to form a check list of items you need to have, get a feel for what neighborhoods and school districts you'd like to live in, and begin working on your budget. A good rule to go by is that your mortgage payment should be around 30 percent of your net monthly income.

Step 2 – Talk to a real estate agent
That's where I can help. We can plan a time to meet so we can talk about your real estate needs and get an idea of your upcoming plans. We'll discuss the mortgage and housing industries, other economic factors that may potentially affect your buying decision today or in the future, as well as neighborhoods and schools in the Bucklin area.

I can also help you begin the loan process. There are some excellent mortgage professionals in Bucklin, and I partner with a lot of them, so you'll be in great hands. They can help you choose which kind of loan is best for you, as well as help you get approved.

Step 3 – Begin your home search
After we meet for the first time, I'll begin finding houses on the market that are a good fit for you. I'll research many of the homes and exclude the duds, and then we'll schedule appointments to view the homes when it's convenient for you.

When we tour the houses, I'll point out positive features and negative ones. I'll also ask you to tell us about things you like and dislike. It's widely common for buyers to revise their list of must-haves as we view houses and some features become more essential than others. If that happens, I'll search the listings once more and narrow it down to the house you've been wishing for.

Step 4 – Comprehend the housing market
Your agent's awareness of the Bucklin market is a fundamental aspect in your house search. And I assure you I'm informed of all the neighborhoods and schools, and I can alert you to some districts are "hot" and warrant immediate action and others that are "cold" and allow for cautiousness.

When we tour houses, I'll let you know when the seller's asking price has room for bargaining and also when I think the house is "priced to sell." Any REALTOR will tell you they understand the home market, but beware, and make sure you ask your agent plenty of questions. If it seems like they don't know everything, contact me at 6208265032 or e-mail me at , and I'll be glad to answer any questions you might have. My knowledge of the market will help you stay a step above the rest throughout the entire deal.

Step 5 – Find the home of your dreams
We'll find the house of your dreams in the Bucklin area, and when that happens, I'll meticulously develop your home purchase offer. The offer will be tailored exactly to your needs and the home, including several contingencies. A few examples are getting financing, finishing the inspection, and a clear title.

Upon turning in your offer, you'll likely want to submit "earnest money." This is a cash deposit made to a seller to secure the offer to buy the property, and it's typically applied to the cost of closing. If the seller accepts your offer, we should close on the property within 30 to 60 days afterward. This allows ample time for your mortgage financing.

Step 6 – Negotiate the deal
Most contracts don't close on the first offer, and it's really common to receive a counter offer. But don't let it alarm you. We'll figure out whether or not to consent to the counter offer, submit our own counter offer, or refuse the seller's offer and move on.

How aggressively we negotiate the deal depends on market circumstances. We'll also work within your financing limits. And when it's all said and done, we'll assemble a contract that is best for you.

Step 7 – Secure a loan
Upon finishing the contract, you'll begin working with your lender to close the loan. If you're already pre-approved, it shouldn't take very long at all. However, you need to keep in close contact with your mortgage lender. And I'll handle 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 mortgage lender within three days of accepting your application. The 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 go over the estimate and let you know if it all looks adequate.

Then we'll close on your house. This should happen at a title company or escrow office and will probably be a smooth and relaxing 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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