PURCHASING A HOME IN BELL CANYON
 Purchasing
a Home: Helping
you identify the types of mortgages that meet your specific financial needs is
our first and foremost goal. In doing so, we will help you increase your buying
power and improve your financial situation after you’ve made a purchase. Knowing
your options helps you determine just how much house you can afford and what
choices you will have. By becoming Pre-Approved before you start shopping, you
will greatly increase your chances of obtaining the right property, at the right
price. You can count on us to make sure your decisions are well informed and
backed by knowledge.
| Step
One: What
you can afford - Determine how much you can borrow: |
| This entails
several different elements- your credit, employment history, income and
debt, as well as your personal goals amongst other things. Together, we
will help you determine how much a lender will loan you. By presenting
different scenarios as to the choices you will have, you can make an
informed decision and move forward with confidence. Packaging your
entire application to meet specific lender guidelines, as well as
helping you obtain the kind of terms and loan program you can expect to
benefit from the most, is what we do. |
| Step Two:
Pre-Qualify for your loan - Obtain Pre-Approval: |
| By becoming
Pre-Approved, you will position yourself at an advantage over other
buyers who are not. Sellers are more prone to accept offers from buyers
that are ready to go. When the right property comes along, your
financing will not be a contingency that may opt a seller to decline
your offer. In essence, when your ready to pull the trigger, you can do
so confidently knowing the financing is already in place. You will know
what your payments will be as well as the costs to close your loan and
finalize the escrow. |
| Step Three:
What do you need in a home?: |
| Determining the
criteria that sets forth the right-home starts with home-work-
literally. Make a top ten list of the most important things that you
feel will be required. Discuss the list with other family members. Our
web site has a check list of many items you may want to consider. We can
provide you with some great tools for previewing properties in most
areas of Southern California. All from the convenience of your own home-
All you need is a computer with Internet access. You can preview
properties in specific areas by reviewing color photos as well as
property specifications. By knowing what's actually out there, you are
facilitating the focus of narrowing your thoughts and desires. You will
better know what you really want, and what and where you can afford.
Consummating an intelligent informed Real Estate transaction is about
educating yourself. Utilize our web site Property Organizer and Alert
System to start the process, you will be amazed at how helpful this tool
will be. |
| Step Four:
Making the offer: |
| As your REALTOR,
we will represent your best interests throughout the entire purchase
process. We will arrange the inspections, help you negotiate your offer
(as well as any counter-offers), and see to it that any contingencies
are facilitated in a timely manner- It's all done in writing. State law
requires a seller to provide numerous disclosures to which you are
entitled to receive. In addition, you will need a detailed market
analysis of a specific property prior to even making an offer, known as
a Comparative Market Analysis (CMA). You need to know if what a seller
is asking and what you are offering is in the ballpark. It's our job to
facilitate the focus of your needs and to make sure the transaction goes
smoothly. Don't hesitate to give us a call with any questions. If we can
be of any assistance, were more than happy to do so. |
Douglas J. Parry
REALTOR ASSOCIATE
Professional Real
Estate Services
RE/MAX Lifestyles
West Hills, CA 91307
(818) 714-0033
www.dougparry.com
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