What is the artistry of living? // 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.
milehimodern // the coolest homes in town
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.
milehimodern // the coolest homes in town
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.
milehimodern // the coolest homes in town
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 011 // financing, credit check, underwriting, appraisal, survey + insurance 012 // obtain funds for closing + solidify loan conditions 013 // close on property
milehimodern // the coolest homes in town
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
milehimodern // the coolest homes in town
what a home inspection often covers
additional inspections
exterior
sewer
structure
well/septic
roofing
radon
electrical
structural report
heating + A/C
environment
plumbing
exterior specialists
insulation interior
process for making an offer 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 - banks 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 - if 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.
milehimodern // the coolest homes in town
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.
mhmhomes.com This material is based upon information that we consider reliable, but because it has been supplied by third parties, we cannot represent that it is accurate or complete, and including price, or withdrawal without notice. ©MileHiModern All Rights Reserved | MileHiModern® is a licensed trademark | An Equal Opportunity Company | Equal Housing Opportunity .