Getting the Best Property Deals for You
Buyer Services
Buying a home can be a challenging and overwhelming process, so it imperative you work with an experienced agent that you can count on. I want this to be an exciting time for you, so I am here to help you through every step of your buying process. As a local expert, you can rely on me to guide you through every step of the process so you can feel comfortable and confident through your transaction process.
The Buyer Process
Middle Tennessee's Real Estate market is one of today's fastest-growing markets in the country. With its competitive nature and limited inventory, it is precious to work with an experienced, seasoned, knowledgeable, and trustworthy Realtor to help guide you through the process.
It is your Realtor's job to advise, inform, educate, and manage the timelines and processes.
1 - Get Pre-approved
The first step to buying a home is determining your budget and understanding your buying power. It is essential to worth it with a licensed lender who can help evaluate your financial standing and provide a pre-approval. This does not obligate you to a lender at that time, but it will help guide your decisions during the home shopping process.
2 - Pre-approval Letter
Having a pre-approval letter in-hand is a necessary asset to help increase the attractiveness of your offer, particularly when a seller has multiple offers to choose from.
3 - Begin Your Search
Let the fun begin! You can start your search for the perfect home right here with up-to-date MLS listings in your favorite neighborhoods. As your REALTOR®, I will also search for homes on your behalf, including pre-list properties that have not yet been shared with the general public. When we find homes that you like, we'll schedule a showing tour for you to preview the property in person. During this process, communication is KEY. As your realtor understanding what you don't like is just as important as what you do like. All of your thoughts and opinions will help me to improve the quality of the home search process.
4 - Making the Offer
When you have found the perfect home for you and your family, and you are ready to move forward with making an offer, I will advise you on constructing the strongest offer possible and draw up the necessary paperwork on your behalf. There is a lot to consider when making an offer during this time, and we discuss not only the purchase price but also the closing date, any sale contingencies, and any special stipulations for your particular purchase. Once an offer is submitted, the seller may accept, reject, or counter the offer. If the seller returns a counter, we will enter a negotiation period until an agreement is reached, or either party rejects the offer.
5 - Under Contract
Congratulations on your offer and all associated conditions have been accepted, and you are officially under contract! The purchase will not be complete until closing, but the home cannot be sold to anyone else while the contract remains in effect. At this point, unless you are making a cash purchase, it will be time to make an earnest money deposit and secure your mortgage loan. Lenders offer a wide range of loan programs, so it's important to work with a lender you trust to help you determine the best loan for your specific circumstances.
6 - Inspection
Inspecting the physical condition of your next home is a vital part of the home-buying process. A licensed home inspector will conduct a comprehensive evaluation of the entire property and report any problems with the condition of the home's structure or systems. The inspector will also investigate such as pest infestations, mold, or similar damage. Depending on the purchase agreement, we may enter additional rounds of negotiation to resolve any problems discovered during the inspection.
7 - Bank Appraisal
Your lender will arrange a professional appraisal of the home. An appraisal is an unbiased estimate of the true (or fair market) value of a home and is conducted by an independent third party. The appraiser will confirm the appraisal value of the property for all parties involved. If the home appraises at less than the expected value, you may have the option to either renegotiate the purchase agreement or terminate the contract.
8 - Final Walk-Through
Before closing, we will take a final walk through the home to ensure that all negotiated repairs have been completed and that the home is in the same (or better) condition as when the original offer was made. This is the final opportunity to call out any issues identified with the home before you close.
9 - Closing Process
Time to celebrate! Your lender will provide you with a final closing disclosure (CD) that summarizes the loan terms, monthly payments, taxes, and any other costs associated with the closing. They will also confirm that you are, “Clear to Close,” and you will sign all of the paperwork required to complete your purchase and loan agreement. Once all parties and your loan sign the paperwork is funded, you will receive keys, and you'll be ready to move into your new home!
Whether this is your first home or your fifth home, this is a complex transaction that is full of unique opportunities and potential pitfalls. That is why it is important that you have a trusted, knowledgeable, and experienced professional on your side. The right real estate broker will bring his or her experience and knowledge to the table and help you make the right decision.
Every Real Estate transaction and every client has different needs, so it is important to work with someone flexible, committed, and dedicated to you and the processes required to ensure your Real Estate transaction is successful.
Buyers Tools
Complimentary Home Search – Now you can see up to date active listings at your convenience. Here you have the option to customize your search, learn about the area, the schools, save your favorite listings.
Email Notifications - here you can save your search preferences and request to receive daily email alerts for listings that are located in your target area and meet your search parameters
Market Analysis – Here you have the option to understand the local market. Sign up today and let me provide you with the market data you need to make a smart real estate decision!
Featured Listings- you have the ability to see featured listings in your target area. You have options to help simplify your process by soring by price, location and more.