The Monthly Grapevineā¢
420 Beatrice Ct., Ste G1
Brentwood, CA 94513
O ice: 925.634.0880
Text: 925.628.2256 info@MonthlyGrapevine.com
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My Home Buying Process From Pre-Approval to Closing
Whether youāre buying your ļ¬rst home, or youāre an experienced buyer, my goal is to make the process as simple and effective for you as possible.
There is a process...
Whether youāre buying your ļ¬rst home or youāre an experienced buyer, my goal is to make the process simple, clear, effective, and successful for you.
STEP ONE We sit down together to discuss your options. Weāll schedule an informal, relaxed meeting to talk through your expectations. We will talk about and identify your needs and wants. What kind of home and location works for you and is in your budget. We will also discuss buyerās agency and the Buyer Broker Agreement outlining how I receive my fee.
Then weāll go to STEP TWO, which is getting Pre-Approved. We will work together with your loan ofļ¬cer to explain ļ¬nancing options and ļ¬nd a loan that best
ļ¬ts your needs and establish a comfortable monthly payment. You will need to provide your ļ¬nancial records and they will run your credit and issue a pre-approval letter.
In STEP THREE weāll actually get started Finding Your Home We will tour homes in your price range. I will set you up on Home Alert. We will prepare for making an Offer and review current comparable sales to be familiar with the fair market value of homes. Youāll choose the lifestyle neighborhoods you wantāand the home that ļ¬ts best!
In STEP FOUR, Make an offer. Once you ļ¬nd the perfect home, weāll decide on terms such as offer price, deposit, possession date, and needed repairs. Iāll present your offer to the listing agent and help negotiate the strongest terms, including price and conditions as needed.
In STEP FIVE, once weāre under contract, we begin due diligence. I will recommend and arrange inspections based on your choices, and weāll review the results together. Weāll also select homeowners insurance.
Iāll help you review the seller disclosures and advisories, and if any questions or concerns come up, Iāll direct you to qualiļ¬ed professionals for guidance. Iāll manage key transaction details to support a smooth escrow.
While we are completing our due diligence and inspectionsā¦
We start STEP SIX, Loan processing and ļ¬nal approval. Weāll complete the loan application and provide any additional documentation the underwriter requests as they review your ļ¬le.. The appraisal will be ordered, ļ¬nal approval will be obtained, and contingencies will be removed.
There are many details involved in getting the sale Funded and Closed including the ļ¬nal walk-through of property. Youāll obtain certiļ¬ed funds for closing, and weāll coordinate utilities and movers. About one week before closing, youāll sign your loan documents with the escrow company or via mobile notary.
Yes, purchasing a home is a big undertaking, but it doesnāt have to be a hassle.
If youāre serious about ļ¬nding your home, I can help you navigate the process and reduce aggravation. Letās schedule a time to talk openly about your options and create a clear action planānow or in the future. My process is client-friendly, and my goal is to give you the information so you can make every decision conļ¬dently.
Patrick McCarran is a local Realtor and Broker. Call/text 925-899-5536 ā¢ pmccarran@yahoo.com ā¢ CallPatrick.com Independently owned and operated. Equal Housing Opportunity. In association with Realty One Group Elite DRE#0193160.
