Callan Christman Home Buyers Guide

Buyers Guide COMPLETE GUIDE FOR YOUR HOME BUYING JOURNEY

SALES . MARKETING LAND AQUISITION . DEVELOPMENT

Callan Christman GET TO KNOW ME Growing up in real estate, Callan Christman knew it was her passion from an early age.

A graduate from the University of Oregon, Callan immediately moved to Portland to pursue real estate. Since then, she has focused on building long standing relationships with her clients.

Customer service, knowledge, and honesty have been the pillars of her real estate career. Her goal is to make every client feel confident, valued, and OREM IPSUM supported while reaching theirLreal estate DOLOR SIT AMET goals. Callan thrives off of the challenge and the ever changing market of real estate.

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Whether you are a first time home buyer purchasing your starter home or a seasoned investor, Callan brings experience and knowledge.

As apart of the Crandall Group team, Callan works with clients to exceed a wide variety of real estate needs. She has experience representing buyers and sellers: – New Construction–Luxury Homes– Relocation– First Time Home Buyers– Investors– Estate Sales– Resale– Horse & Farm Property When not with clients, Callan enjoys riding horses, hiking with her dog, Bo, and spending time with her family.

Go Ducks!

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crandallgroup.com | 503.545.5498

Home Buying

Process A QUICK GUIDE TO THE BUYING PROCESS

01 CONSULTATION Meet with your me to discuss what you are looking for.

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02 PRE-QUALIFIED If you need financing get pre-approved by a lender or bank.

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03 TOUR & HOME SEARCH! Together, we will narrow down options for your reivew.

06

MAKE AN OFFER! Negotiate the offer and get it accepted!

Contingent on inspection.

Open escrow.

HOME INSPECTION Discuss results and negotiate any repairs needed.

APPRAISAL & TITLE SEARCH The bank orders the appraisal, title search and final financing is set.

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PREPARE TO CLOSE Escrow receives all necessary documents from Lender and prepares documents for signing.

CLOSING Title company will contact you to set up a time to sign all necessary documents.

RECORDING Once documents are signed, Title will record the transaction with the county.

Congratulations, you are a new home owner!

NAME

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ADDRESS PHONE EMAIL DESIRED LOCATION Look and feel of preferred area.

PRICING & FINANCING What is your price range? If you need financing, are you pre-qualified yet?

TIMEFRAME Do you need to sell a current home? Ideal move in time?

INTERIOR Number of Bedrooms? Bathrooms? Total square feet? Other interior requirements?

EXTERIOR Lot size? Garage? Pool? Other exterior requirements?

THE INITAL PROCESS 1. CONSULTATION I would love to chat with you about your needs, wishes, and wants in your new home!

How long have you been looking for a new home?

What are your reasons for moving?

What areas and neighborhoods are you looking at?

What is your Plan B, if you can't find the home you have in mind?

What are some of your must have items?

YOUR TITLE What are deal breaker items?

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2. PRE- APPROVAL This is a quick necessary process the helps narrow down and determine how much you can afford!

Lenders typically recommend a home that costs no more than three to five times your annual household income. There are many different home loan programs that are available, such as First Time Home Buying programs, etc. Check with your Lender to see what they have to offer.

Seller's often ask for proof of pre-approval. This document can help strengthen your offer! Make sure to get a pre-approved letter before we start viewing homes.

YOUR DREAM HOME 3. LET'S START THE SEARCH I will tailor listings based on your criteria. I analyze all properties and pick the best to view, and will filter out the homes that will not work.

Most buyers look at many different properties and are then ready to make an offer.

With that being said, we are currently in a very competitive market and time is of the essence. It is likely we may run into a competitive offer situation.

Once you find one you love... it's time to determine the market value of that property. I will compare that home to others that have sold and from there we will determine the value for the home!

4. MAKING AN OFFER

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D O L Oyou R S Iare T A ready M E T to write an offer, I will walk you Now is the exciting time! When through the contract. It is important to write a fair offer or you can run the risk of the seller not responding or even losing the property to another buyer making an offer.

Write the Offer Negotiate the Offer & Counter Offer (if needed) Offer acceptance Inspections & Contingencies

OFFER ACCEPTED!

HOW I MAKE YOUR OFFER

STAND OUT IN A COMPETITIVE MARKET

Every seller is looking for the best possible offer which aligns best with their goals. Having an agent with good communication with the cooperating agent to know what the seller's objectives are is crucial. To make your offer competitive we assess the following: OFFER PRICE EARNEST MONEY INSPECTION TIMELINES FINANCING TIMELINES CLOSING DATE AND ANY OTHER INFORMATION WE CAN LEARN ABOUT THE SELLER THROUGH THE AGENT WHICH MIGHT HELP US STAND APART!

INSPECTIONS AND MORE 5. HOME INSPECTIONS The immediate step after your offer is accepted is to schedule a home inspection.

You will have a certain number of days, usually 7-10 business days, to complete this inspection after the offer was accepted. Inspections to also consider are radon, sewer scope, and oil tank. Depending on the property, other inspections may apply.

It is my job to help navigate which inspections you should consider, and then evaluate the results of those inspections with you.

Your home inspection report will verify that all items considered defective or problems relating to the safety of the home corrected prior to closing.

6. APPRAISAL, TITLE SEARCH & FINAL LENDER APPROVAL Title is the right to own, possess, use, and control property. When purchasing a home you are buying a seller's title to the home. Before closing a title search is done to ensure there are no liens or problems that might prevent a clean title for you to close on the home.

An appraisal is an estimate of the property value, not the market value. The approval is not only to justify the lender's investment but to help keep the buyer from overpaying on a property. Your lender will hire an appraiser and charge you the fee at closing.

You will receive a letter and loan term to your mortgage agreement. Your final letter will include your annual percentage rates, monthly fees, and repayment information for the loan.

CLOSING TIME 7. CLOSING & RECORDING The closing process finalizes the purchase of your home.

A FEW THINGS TO BRING A valid government issued photo ID Cashier's check payable for the total amount due Any outstanding documents for the title company or loan officer

CLOSING COSTS Fees typically total +/- 3% of the total purchase price and can include: Escrow Fees Recording fees Application and underwriting fees SIDs and/or LIDs Appraisal Fees Local Transfer Taxes Homeowners Insurance Homeowners Association Fees

CALLAN CHRISTMAN Licensed OR Broker Callan@crandallgroup.com

503.545.5498

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Callan Christman

14789 SW Millikan Way Beaverton, OR 97003 crandallgroup.com