Navigating Navigating
Journey your HOME buying your HOME buying
GuaranteeTransparency Transparency
InfinityRealEstatewasfoundedonitscorevaluesofhonesty,integrity,doingbusinessbytheletterof thelaw,withempathy,andmostimportantly,alwaysinthebestinterestsofourclients.Holding steadfastlytothesevaluesinallthatwedohasbeenourguidingprincipleandserviceguaranteetoour clientsformorethan18years.
IrecognizedthatwhiletheWashingtonAgencystatutesandtheNARCodesofEthicsclearlystatethe dutiesowedtoourclients,whatwashappeninginpracticethen,andstillnow20yearslater,insomany instances,isanutterdisregardfortransparency,honesty,andthelawYoudeservefarmore Thatis whyIfoundedInfinity.Ourcommitmenttosettingourselvesabovetherestiswhywehavecontinuedto besuccessful
TherearenoslicksalestacticsorgimmicksatInfinity.Whenyouhiremeandtheteam,ouragendais youragenda,ourtimingisyourtiming,andourgoalsareachievedbyexceedingyoursYoucancount onustobefullytransparentinallthatwedo.Weareyourpartnerandtrustedresource.
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equired to understand
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Taryn Mauermann Wanda Menees
Home Buyer’s Home Buyer’sRoadmap
Whether this is your first time buying or you’re a seasoned home owner, I recognize that this is not something you navigate everyday. This roadmap provides a brief overview of each step of the journey.
3 2 1
Clarify your vision and Explore your options Narrow in on location
Determine your budget, connect with an excellent local lender and get preapproved
Sign Buyer’s Agency Agreement & Compare/Contrast homes
4 5 6
You’ve “reached mutual” with seller, Earnest $ due to Escrow You found THE ONE! Make an offer and negotiate with seller D U E D
Conduct Inspections, review property information, negotiate repairs/credits & obtain Home Owner’s Insurance
Satisfy conditions with lender and pass appraisal
Conduct final walk through, set up utilities, & schedule signing
Sign documents (1-3 days prior to closing), set-up wire to Escrow
Escrow sends docs to County, County Records
Set-up your movers
Dreaming Start Start
It’snotjustaboutthefeaturesyouwantinyournewhouse, butthelocation,timelineandyourlifestylemattertoo!
Ifyou'renewtotheareaorwantafreshperspective,wewill scheduleapersonalized'GettoKnowtheArea'tour. Iwillhelp younarrowyourfocustothespecificcity,neighborhoodand areathatalignswithyourvision.
Poulsbo Poulsbo
Kingston Kingston
Hansville Hansville
Seabeck Seabeck
Belfair Belfair
Allyn Allyn
Grapeview Grapeview
Puyallup Puyallup
Yelm Yelm
Financing your Financing your
Future
Meetwithalocalmortgagelendingexpertto helpdetermineyour“buyingpower”Working withatrustedlenderisamust. Wehave referralstolenderswhocanhelpyou determinetheloanthatbestfitsyourbudget andyourneeds.
Unlessyouplantopayincash,apreapprovalisessentialtohaveinhandpriorto makinganoffer. Thesellerneedstohave confidenceyouhavetheresourcesto purchasebeforetheywillconsiderworking withyou
When calculating upfront costs, remember to ask about Earnest $ Deposit, Down Payment, Closing Costs and include expenses like home inspections.
Creating
Creating
a
a
Winning Offer
Whenit’stimetomakeanofferonahome,it’s aboutmorethanjustnumbers—it’saboutstrategy.
We’llevaluatecomparableproperties,assess thehome’sactivitylevel,andconsiderthebest approachbasedonthecurrentmarketandthe seller’ssituation.
Ifthepropertyisinhighdemand,we’llfocuson creatingacompelling,competitiveoffer.This mightmeanminimizingcontingencies,butit’s importanttoweighwhat’sinyourbestinterest.
Forexample,doyouwanttoconductahome inspectionoroptforapre-inspectionto strengthenyourposition?Shouldweinclude contingenciesforfinancing,title,orspecial inspectionslikesepticsystems?
Ontheotherhand,ifthehomehasbeenonthe marketforawhile,wemayhaveroomto negotiatethepriceorrequestsellerconcessions suchasclosingcostassistance
Every detail of your offer is thoughtfully considered to align with your goals and protect your interests. This is a collaborative process, and I’m here to guide you every step of the way.
Understanding the Details Pending! Pending!
EARNESTMONEYDEPOSIT
Agoodfaithdepositequaling1-3%ofthepurchaseprice.Thisisappliedtoyourdownpaymentat closing.
FINANCINGAMOUNT
Whatpercentageoftheloanyouarefinancing,andhowmuchyouareputtingdown?
CLOSINGCOSTS
Thisistypically2-4%ofthepurchaseprice.Yourlenderwillprovideanestimateofthecosts.
CLOSINGDATE
Ifgettingamortgage,thisistypically20to30daysfromacceptanceoftheofferThiswillbethedaythe deedtothehomeisrecordedinyournameandkeysarehandedoverTheclosingdateisnegotiatedin thecontract
INSPECTIONS
Anticipatenegotiating5-10daystoperformInspections&renegotiateorterminatethecontractIfthe Inspectioncomesbackunacceptable
APPRAISAL
Yourlenderwillordertheappraisalandtheappraiserhasabout14days,unlessitisexpedited,toget thereportbacktothelender.
TheDon’ts-Therearecertain“Don’ts”ofthehomeloanprocesswhichmayaffecttheoutcomeofyour abilitytoobtainaloan.Theseremainineffectbefore,during,andafterloanapprovalupuntilthedayof fundingyourloanandclosingManytimescredit,income,andassetsareverifieddaysorhoursbefore youhavesignedyourfinalloandocuments.
Don’tbuyacar
Don’tgetmarriedordivorced(unlessyourlenderknowsinadvanc
Don’tchangeprofessionsorstartyourownbusiness
Don’tchangebankaccounts
Don’tbuyANYTHINGoncredit!(appliances,furniture,etc)
Don'tco-signaloanforANYBODYelse
Don’tthrowawaydocuments
Don’tgetlazywithmonthlybillsandincuranylatepayments
Don’tletanyonerunyourcreditorapplyforanycreditcards
Don'tpayoffanyolddebtcollectionsunlessinstructedtodosobyyourlender
CONSIDERING NEW CONSTRUCTION?
Ifyou’reinterestedinnewconstructioninaplannedneighborhood,it’simportanttorememberthatnotall buildersarecreatedequalWehavefirsthandexperiencewithmanybuildersintheareaandcansharehonest insightsinourrecommendations.
Abuilder’ssalesrepresentativeworksforthebuilder notyouHavingmeonyoursidemeansyou’llhave someoneadvocatingforYOURbestinterests.Icanhelpnegotiatebettertermsorupgradesthatbuildersmight notopenlyoffer,astheirpriorityismaximizingtheirprofitAdditionally,Icanguideyouonwhichupgradesare worthinvestinginupfrontandwhichonesarebetterhandledafteryoumovein.
Buyinganewconstructionhomecanbeanexcitingopportunity,andwithmyexpertise,we’llmakesurethe processworksinyourfavor! (Buyingvacantlandandattemptingtobuildingfromscratchisanotherstoryall together WestronglyadviseagainstthispathinmostcircumstancesandI’mhappytofurtherdiscuss)
Inspections
Home Owners Insurance
Homeowner’sinsuranceisarequirementto obtainamortgageforahome.Ifthepropertyis inornearafloodzone,floodinsurancemayalso benecessary
Costsarerisingandcoverageisnotguaranteed byeverycompany. Starttheprocessearly. Exploreallofyouroptionsandreviewquotesto ensurethebestcoverageforyourneeds Ifyou needareferral,letmeknow,Icanrecommenda fewtrustedagents.
Duringtheinspectionperiod,you’llhireahome inspectortoassessthepropertyfromtoptobottom, uncoveringanyhiddenissues.
Theinspectiontypicallycoversthehome’sheating andcoolingsystems,plumbing,electrical,roof,attic, insulation,walls,floors,windows,foundation, basement,andstructuralcomponents.You’llreceive adetailedreport,butIrecommendattendingthe inspectionoratleastthelast30minutestoreview findingsdirectlywiththeinspector.
Additionalinspections,suchaswatertesting, structuralassessments,orseptic/sewerevaluations, mayalsobenecessarydependingontheproperty.
Title Contingency
Atitlesearchwillbeconductedbyprofessional examinerstoensuretherearenoownership issues,orliens/judgementsthatcannotbe clearedwhenyouclose Atitlecontingency givesyoutimetoreviewthetitletogain understandingoftheeasementsand/or covenantsthatwillremainontitleafterclosing. Thiscontingencyprovidespeaceofmind, knowingyourownershiprightsaresecureand youknowwhatyou’regettinginto.
APPRAISAL
In order to secure a mortgage, your lender needs professional, non biased assurance the purchase price can be supported by the current market and similar recently sold homes.
In a competitive situation you may agree to pay over the list price. If the appraiser cannot support that price to the lender you will likely need to pay the difference in cash
CLEAR TO CLOSE
Ahhhh... three words we LOVE to hear! It means the mortgage underwriter has officially approved all documentation required to fund the loan All that remains is the actual closing process
This is a good time to:
Conduct your Final Walkthrough
Contact Utilities to transfer into your name
Schedule your movers
Closing Day Closing Day Congratulations!
SigningFinalDocs: 1to3dayspriortothe Closingdate Escrowwillcontactyouto schedulesigningandprovidetheamountto wire.BepreparedwithyourIDandany requireddocuments.
TransferClosingFundstoEscrow: 1to2days priortoClosing. Manybankshavelimitsasto theamountthatcanbewiredonline Youmay needtoscheduleanappointmentatabranch tocompleteyourwire Checkinadvance
ClosingDay: Escrowandyourlenderfinalize thesale,andthedeedisrecorded. Once recorded,thehouseisofficiallyyours! Finally, youcanmeetJennietocollectyourkeys!!
WhatsetsSarahapartishergenuinepassionforwhatshe does Shemadetheentireexperiencefunandexciting, turningwhatcouldhavebeenadauntingtaskintoa memorablejourney.Sarah'spositiveattitudeand enthusiasmarecontagious,makingmefeelconfidentand optimisticthroughouttheprocess.Ittookusoverayearto findourperfecthome,andSarah'spassionneverfaded.
Iboughtmyfirsthomein15years,andBlakewasthebest andmostpatientrealtor.Hehelpedmefindtheexact homeIwaslookingfor HeworkedtirelesslytomakesureI foundwhatIwanted.HewasgreatatmakingsureIwas updatedwithpertinentinformation,everystepoftheway. HewasalwayspromptandtimelyinanythingIneeded.I wouldhighlyrecommendBlakeWilliamsforallyourreal estateneeds!!
“Jennyrecentlyhelpedussellourhomeanditwasamazing workingwithher.Shewasextremelyhelpful,supportiveand availabletoassistwithanythingandeverything.Shedidan amazingjobstagingthehouseandwaskindenoughtobe thereonourbehalfwhenwehadworkbeingdoneinthe houseandweweren’tavailable.Wegotanaboveasking offer1dayafterthehousewaspostedandwereabletosell prettyquickly IhighlyrecommendJenny!
BreonaIsexceptionalatherjob!Notonlyissheextremelyknowledgeable abouttheareasheisverywellconnectedandhasgreatrelationshipswith otheragents,whichisarealassetwhenmakinganoffer.Herlevelof professionalismandattentivenesstousisawesome.Shegetsbacktome immediatelywhenIhaveaquestion,butthethingthattrulysetsBreonaapart besidesbeingdiligent,detailorientedandthoroughisherabilitytolistentothe client.Shereallylistenstowhatwewantandpicksuponnuancesaboutour personalitythusguidingusintoareasthatshethinkswillbestsuitourneeds.I trustBreonaasshehasswayedusawayfromhousesbecauseshebelieves theywillnotmeetourfullrangeofneedsandthatlevelofhonestyandintegrity ishardtomatch!
Possibilities
Donated
$200,000 and counting...
8,000+lbsoffood
100bagsofclothing&essentials
220seniorcareboxes
100'sofvolunteerhours
Giving back is at the heart of everything we do...here are just a few local organziations that we support through 0ur efforts.
