It is that moment that takes your breath away...and you are in touch with your soul. You have found your home. That is the experience of finding your home the mhm way.
We believe
mhm was born out of a collective desire to raise above mediocrity.
Our ethos is honoring the artistry of living, which drives our passion for transforming what it means to buy a home. And our mhm brokers are the consummate professionals who lead clients through this transformative process.
Artistry is an inherent part of being human, and homes are an expression of one’s humanity.
At mhm, our deep focus is on the human experience.
We are people caring about people.
We are leaders guiding our clients through immense complexities.
We are experts at aligning our clients’ desires with the homes that best express their souls.
We are guides in leading our clients to find the homes that inspire them.
our promise
To our beloved buyers:
We find the joy, the spark, the passion; we find the home that lights you up.
our values
live the artistic life
The expression of one’s soul is the life worth living; the expression of a home is its invitation to the imagined life.
give 100%
Our client promises are our vows.
respect each person’s journey
The stories of our lives are rich; our homes share the narratives.
challenge mediocrity
Present homes as works of art.
trust is the goal
Our clients fully trust us because they know we are working for their best interests.
serve with joy
We bring happiness to an otherwise stressful process; our clients enjoy working with us immensely.
win together
The optimal outcome always involves our clients’ aspirations.
the mhm difference
fiduciary responsibility
We put clients’ interests ahead of our own, acting in good faith to cultivate results that are in our clients’ best interests.
the protection of mhm buyer agency
We take initiative to inform clients of potential dangers, problems, challenges, and risks in purchasing a property.
contract experts
At mhm, our brokers have deep knowledge of how to use contracts to represent clients’ interests.
power negotiators
Trained in the highest level of negotiating skills, our mhm brokers utilize strategy to achieve our outstanding results.
your future investment
With incredible market knowledge, our mhm brokers advise on current valuations to guide clients in negotiating. In addition, our brokers are versed in providing information on the variables in home ownership that could affect future valuations.
the best value
As experts in valuations, our mhm brokers can guide clients in paying the best value for the home you desire.
risk management
Each home has different potential risks; our mhm brokers guide clients in assessing the risks.
success managers
As each purchase has many contractual steps involved in due diligence and approvals, our mhm brokers are experts in guiding clients to ascertain the answers needed to carefully proceed through the buying process.
collaboration
We work collaboratively with clients to ensure we understand their needs and desires.
the new luxury experience
With personalized attention, our mhm brokers are highly attuned to the thoughts, feelings and perspectives of clients.
design matters
As many homes may need adaptations, renovations, or simply updates, our mhm brokers are ready to guide clients on solutions.
the artistry of living
Our high-level of representation allows us to lead clients in finding the homes that light up their souls.
your snapshot guide to buying a home
001 // select your agent
002 // obtain financial pre-approval
003 // analyze your needs
004 // select properties to view
005 // write offer to purchase
006 // negotiate terms
007 // accept contract
008 // obtain mortgage
009 // conduct inspections + bring issues to resolution
010 // conduct title search + obtain title commitment
012 // obtain funds for closing + solidify loan conditions
013 // close on property
getting pre-approved + applying for your loan
what is a pre-approval?
preliminary commitment in writing from a lender stating that a borrower will qualify for a particular loan amount, based on income and credit information under a lender’s guidelines (most letters are valid for 60-90 days and the process usually takes 24-48 hours)
what you may need:
completed loan application - signed
full month of current pay stubs
current bank statements - checking, savings, brokerage, investments + retirement accounts
copy of recent bill or year-end mortgage statement, release of liens on properties
personal and business tax returns
year-to-date P&L
copy of social security card and driver license
executed earnest money contract (for purchase)
copy of divorce decree if applicable
tax and insurance documentation for all owned properties
insurance agent’s name, address and phone number
potential other documents as requested by the lender
making an offer + understanding inspection
what is a CMA?
a comparative market analysis compares similar sold properties to assist you with making an offer on the property
what is earnest money?
typically 2-3% percent of the home’s sales price — usually held by a third party escrow officer at the title company or real estate company (think of it as a deposit that will credit towards the closing cost)
what is an inspection period?
usually 5-7 business days after acceptance of offer and is conducted to discover issues with structure, construction, environmental or mechanical systems of the property
what a home inspection often covers additional inspections
exterior
structure
roofing
electrical
heating + A/C
plumbing
insulation
interior
process for making an offer
sewer
well/septic
radon
structural report
environment
exterior specialists
earnest money typically paid to title company or real estate firm (cashed upon receipt)
pre-approval letter submitted with offer
counteroffers are common - remain flexible on price, repairs, closing date, etc.
agreement on terms - sign contract
schedule home inspections
buyer typically pays for the inspection on the property they wish to purchase (typically $500-$800*)
getting an appraisal + understanding the closing process
what is a property appraisal?
Getting a property appraisal is a standard part of the mortgage process - b anks and mortgage companies will give a homebuyer a loan based on the appraisal value of the property they want to buy.
(note: when you use a home as collateral for a loan, the lender wants an appraisal report to make sure the loan will be guaranteed by the value of the property - i f applying for a loan, the lender will order the appraisal which is typically between $500-$1,000*; the cost of the appraisal is typically paid for by the buyer.)
what are loan terms + availability?
Loan terms are terms the lender provides about the loan, including interest rate, payments, conditions and costs to determine they are satisfactory in buyer’s subjective discretion - the loan availability deadline is the date the loan is available based on the lender’s review and underwriting.
the closing process closing takes place at a title company - usually chosen by the seller payment for the cash amount due can be in the form of cashier’s check or a direct bank wire you will need valid identification paperwork and signing will take approximately one hour
*The cost of appraisals and inspections vary based on a home’s size, location, amenities and features.
at milehimodern our brokers are curators of real estate, here to guide you throughout your buying process
Art is all around us. It engages us. It reveals us. It connects us. We are bringing an artful experience to real estate, energizing one soul at a time.
