Buying a home in Swainsboro with DRB Realty & Properties LLC

With some up-front planning, purchasing a home isn't that hard, but the event is stressful for a lot of people. So they'll know exactly what they can expect, I like to provide buyers with an outline of the entire deal. Below 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 address questions you have regarding this information.

Step 1 – Get ready to buy a home
There are many things you'll want to consider before you start searching for a home. When you start your search, you'll want to assemble an outline of features you want, get an idea of what school districts and neighborhoods you'd like to live in, and begin planning around your budget. Keeping your mortgage payment less than or around 30 percent of your monthly income is a good principle to follow.

Step 2 – Connect with a real estate agent
That's where I can help. We'll plan a time to get together so we can talk about why you want to buy a home and get an idea of your upcoming plans. We'll discuss the mortgage industry, other economic factors that could affect your purchase today or in the future, as well as neighborhoods and schools in the Swainsboro area.

I'll also assist you with getting started on your loan. DRB Realty & Properties LLC partners with some of the best mortgage professionals in Swainsboro, so you're in great hands. They can help you choose which type of loan is best for you, as well as help you get approved.

Step 3 – Begin looking
Following our first meeting, I'll start finding available homes on the market that are a great fit for you. I'll preview many of the houses and throw out the duds, and then we'll book appointments to view the homes when it's most convenient for you.

As we tour houses, I'll call attention to positive features and bad ones. I'll even ask you to point out what things you like and don't like. Usually, buyers change their wish list as we tour homes and some features become far more crucial than others. If such is the case, I'll look through all the listings one more time and trim it down to the home you've been waiting for.

Step 4 – Know the market
My awareness of the Swainsboro market is an essential factor in your home search. I'm informed of all the neighborhoods and school districts, and I'll alert you to what areas are "hot" and demand immediate action and some that are "cold" and allow for thoughtful consideration.

As we tour homes, I'll make sure to communicate if the asking price has room for bargaining or if I believe the home is "priced to sell." Any real estate agent in Swainsboro will convince you they understand the home market, but take note, and make sure you ask your agent plenty of questions. If things don't add up, call me at 478-237-7292 or e-mail me at , and I'll be more than happy to answer any questions you might have. My market knowledge will help you stay a step above the rest throughout the entire deal.

Step 5 – Find your dream house
I know we'll find your dream house in the Swainsboro area. When that happens, I'll meticulously create your home purchase offer. The offer will be tailored with your needs in mind and the home, including several contingencies, such as obtaining financing, carrying out the home inspection, and a clean title.

When we turn in your offer, most likely you'll want to submit "earnest money." This is a cash deposit given to the home seller to secure the offer to purchase the property and is most often put towards the cost of closing. If the seller accepts the offer, we should close on the home about 30 to 60 days after. This allows necessary time for your mortgage financing.

Step 6 – Negotiate
A lot of deals don't close on the initial offer – it's really common to receive a counter offer. But don't let it intimidate you. We'll talk about whether or not to agree to the counter offer, propose our own counter offer, or decline the seller's offer and go on.

How aggressively we negotiate the deal depends on market conditions. In addition, we'll work within your financing constraints. And when it's all said and done, we'll put together a deal that is best for you.

Step 7 – Secure financing
After we sign the final contract, you'll begin working with your mortgage lender to close the loan. This shouldn't take very long at all if you're pre-approved, but you should to keep in close contact with your lender. And I'll take care of all the property information your 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 getting your application. The estimate is based on the loan amount, and RESPA requirements order that it has to involve all closing costs and be within a strict range of accuracy. I'll go over the estimate and let you know if it all looks permissible.

Then it's time to close on your house. This will most likely occur at a title company or escrow office and will probably be a smooth and relaxed occasion.

Step 9 – Move in
Congratulations! It's time to move into your new home. Enjoy it. And if you have any questions, be sure to call me at 478-237-7292 or e-mail me at .