Buying or selling a home in Swainsboro? DRB Realty & Properties LLC can help.

Purchasing a home can be stressful for many people, but with a little up-front planning, it isn't that hard. I like to supply buyers with an overview of the entire deal so they understand exactly what to expect. Below are my nine steps to purchasing a home. When you're ready to get started, simply contact me here or e-mail me at . I'm happy to answer questions you have about this information.

Step 1 – Get ready to purchase
Before you start searching for a home, there are a lot of things you'll want to do. When you begin your search, you'll want to put together a check list of items you want to have, get an idea of what school districts and neighborhoods you want to live in, and start planning around your budget. Ensuring your mortgage payment is less than 30 percent of your monthly income is a good principle to follow.

Step 2 – Talk to a real estate agent in Swainsboro
This is where I come in. We'll plan a time to get together so we can talk about your real estate needs and get an idea of your upcoming plans. We'll talk about everything from neighborhoods, school districts in the Swainsboro area, the mortgage and housing industries, to any other economic factors that could potentially affect your purchase today or in the future.

In addition, I'll assist you with getting started on your loan. I work with some of the best mortgage professionals in Swainsboro, so you can rest assured that you're in great hands. They'll assist you in figuring out which type of loan is best for you and help you get approved.

Step 3 – Start looking for a house
After our first meeting, I'll begin looking for available houses on the market that meet your needs. I'll preview most of the homes and throw out the duds, and then we'll schedule appointments to tour the homes when it's most convenient for you.

As we view homes, I'll point out positive features, as well as bad ones. I'll even ask you to talk about things you like and don't like. It's common for buyers to change their list of must-haves as we tour houses and some features become more substantial than others. If such is the case, I'll look through all the listings another time and trim it down to the house you've been dreaming about.

Step 4 – Know the market
My knowledge of the Swainsboro market is a necessary component in your house search. I am familiar with all the neighborhoods and school districts, and I'll communicate which neighborhoods are "hot" and require immediate action and others that are "cool" and allow for more analysis.

As we tour houses, I'll let you know when the asking price has room for negotiation and also when I trust the house is "priced to sell." When working with an agent, trust your instincts and make sure you ask plenty of questions. Any real estate agent will tell you they truly understand the housing market. If it seems like they don't know everything, call me at 478-237-7292 or e-mail me at , and I'll be happy to answer any questions you might have. My understanding of the market will help you stay a step ahead through the entire deal.

Step 5 – Find the house you've been looking for
We'll find your dream home in Swainsboro, and when we do, I'll carefully develop your purchase offer. The offer will be made to fit your needs and the home. We'll include many contingencies, such as getting financing, carrying out the home inspection, and a clean title.

When turning in your offer, you'll likely need to present "earnest money." This is a cash deposit given to the home seller to secure an offer to buy the property, and it's most often applied to the closing costs. If your offer is accepted by the seller, we should close on the home within 30 to 60 days afterward. This allows ample time for your mortgage financing.

Step 6 – Negotiate the deal
Unfortunately most contracts don't close on the first offer. It's widely common to receive a counter offer. Don't let this alarm you. We'll talk about whether or not to agree to the counter offer, present our own counter offer, or refuse the seller's offer and go on.

Market conditions determine how aggressively we negotiate the deal. In addition, we'll work within your financing limits. And when it's all said and done, we'll create a contract that's best for you.

Step 7 – Secure a loan
After the deal is finished, you'll begin working with your lender to close the loan. If you're already pre-qualified, it shouldn't be a long process at all. But you should to keep in close contact with your mortgage lender. And I'll care for all the property information your mortgage lender needs to close the loan.

Step 8 – Close the deal
You'll get a Loan Estimate (LE) outlining your closing costs from your lender within three days of accepting your loan application. This estimate is based on the loan amount. RESPA requirements mandate that it has to contain 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 all right.

Then it's time to close on your home. This will most often happen at a title company or escrow office and should be a smooth and hassle-free occurrence.

Step 9 – Move in
Congratulations! Now you can move into your new house. Enjoy it. And if you have any questions, just contact me at 478-237-7292 or e-mail me at .