We are here for YOU every step of the way.

Our Goals:

• Help you find the home that best meets your needs in the most efficient timeframe
• Provide current market data to assist you in making informed decisions
• Help you understand all the terms, processes, and documents involved in a real estate transaction
• Represent your needs through skilled negotiations and effective communication

You want to buy a home. Where do you begin?

You’re ready to buy - or maybe you're just ready to start seriously thinking about buying. There’s a lot you can do to prepare. With so much information available at your fingertips it can be hard to know where to begin, so here are a few steps to help you get started buying a home.

Step 1: Determine Price Range
Step one is finding out your budget for your new home. The best way to do that is to meet with a mortgage professional who will review your income, assets, and credit history in order to pre-approve you for a loan. Not only does getting pre-approved allow you to narrow your home search, but it also makes your offer stronger when it comes time buy. If you don’t currently have a lender, we would be happy to put you in contact with one of our trusted lender partners.

Step 2: Make a Wish List
Imagine your ideal home then make a list of everything you envisioned, such as the number of beds/baths, the style of home, and location. Then break that list down into high-priority items you can’t live without and lower-priority things that would be an added bonus.

Step 3: Start Your Searching
Once you know how much you can afford and what you’re looking for in a home, it’s time to start your search. And the best place to start is online. As your real estate team, we will send you potential homes and take you to tour them in person once you’re ready to get serious. 

Step 4: Count on Us
We take our responsibility of helping our clients through the buying journey very seriously. We realize this is probably one of the largest financial purchases you’ll ever make, and you can count on our team to be your guide, your counselors, and your fiercest advocates every step of the way.

You're ready to buy. What's next?

Once you’ve found the home you can see yourself living in, what’s next? There are many steps to go through before you can officially call yourself a homeowner. Our team will guide you through every step of the process, but in the meantime, here’s a preview of what you can expect.

1. Negotiation: When making an offer on a home, we will negotiate on your behalf in order to attain the best terms for you. This can include negotiating the price, repair costs, timelines, and contingencies.
2. Contracts: This is the legal contract a buyer and seller enter into once the buyer’s offer has been accepted by the seller. It outlines the terms and conditions of the sale and is signed by both parties.
3. Inspection: Once the Purchase and Sale Agreement is signed, buyers have a window of time to have the hope inspected, usually 10 days. We facilitate the hiring of a home inspector to examine the home’s health, safety, and major mechanical systems. If any issues arise from an inspection, the buyer may be able to renegotiate their offer. 
4. Financing: After your offer is accepted, the next step is to get final loan approval. During this process the lender will decide if they’re willing to approve your mortgage based on things like your creditworthiness and the title history and appraisal of the home you want to buy.
5. Title Report: This is a report for you and your lender detailing the history of the home you’re buying to ensure there are no legal barriers to purchasing it.
6. Escrow: This is when you agree to pay a percentage of the home’s asking price into an independent account to show the seller that you’re serious about buying. In return, they agree to take the home off the market. When the sale closes that money is put toward the down payment or closing costs. 
7. Closing: During this final step of the home-buying process, ownership is transferred from the seller to the buyer, closing costs are paid, and a number of documents are signed. After closing is finalized and recorded, the home is yours!

RESOURCES

McKenzie Allen | Canyon State Insurance
mckenzie@mycanyonstate.com
480-222-8974
www.mycanyonstate.com
Get a Quote

Jeff Denney
Guild Mortgage
NMLS# 2269636
jeff.denney@guildmortgage.net
480-688-1525
www.guildmortgage.com
Mortgage Process Guide
Apply Now

Helpful Links:
How to Read a Loan Estimate
Changes in Real Estate Commissions

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Contact us today to find out how we can be of assistance to you!