TABLEOFCONTENTS
AboutUs
Learn about us and our team, our expertise, and our commitment to making your homebuying experience as smooth and rewarding as possible.
Preferences
This is where you articulate your desires, outlining 'The What, The When, The How' that will shape your quest for the perfect home. Let's discuss the optimal ways to connect and collaborate to bring your dream home to life
NeedsandWantsChecklist
Delve into a systematic exploration of your priorities and preferences, ensuring that every property you consider aligns with your vision of the perfect home
TheTimeline
A structured glimpse into the process, breaking down each step Whether you're a first-time buyer or seeking a refresher, this section provides a clear roadmap to anticipate what lies ahead Join us as we map out the journey towards owning your dream home
Buying101
This comprehensive guide dissects each stage of the process, offering a granular understanding of what to expect and what's required at every step
FinancingataGlance
A snapshot of securing a home loan, presenting a clear overview of the process
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IlyaRasner,President
Allowmetointroducemyself–I'mIlya,aseasonedrealestate agentproudlyservingtheGreaterBostonareaforover17 years.Withatrackrecordthatspeaksvolumes,I'vesecureda spotasaBostonMagazineTopProducerfortwoconsecutive years Whatsetsmeapart?Myapproachisfriendly,genuine, anddown-to-earth,acontrastthatmyclientstrulyappreciate inaseaofrealestateagents Ibringatouchofhumortothe table,lighteningtheloadofbuyingandsellingstresses.
Mylocalmarketexpertiseisunrivaled,atestamenttomy deep-rootedknowledge Iharnessthisknowledgetoprovide myclientswiththeguidancetheyneedtomakeconfident choices.Regardlessofwhetheryou'reaseasonedsellerora first-timebuyer,I'mdedicatedtobeingbyyoursideevery stepofthejourney,tirelesslyworkingtoensureyoursuccess.
Butthere'smoretomystory I'mnotjustaboutrealestate; I'malsodeeplycommittedtomycommunity.AspartofThe RasnerGroup,aportionofeverycommissiongoestoacharity chosenbyourclients.Givingbackisn'tjustanotion–it'sa partofourDNA
Inme,you'llfindawealthofexperience,industryrecognition, andadedicationtomakingadifference Forallyourreal estateneeds,I'myourgo-toexpert,readytoguideyou towardyourgoals
Over1,400SoldProperties
What our clients say about us:
Ilyaandhisteamhelpedmyfamilyfindour dreamhome Throughpatience,diligence,anda networkofalliesIlyawasabletomove mountainsinnavigatingthecomplexprocess thatisbuyingahome Wecouldn'tbemore happywithIlya'sprofessionalismandguidance intheprocess Hewasneverpushy,always offeringobjectivefeedbackandobservations D.S.
Ilyawasincrediblypatientandneverpressured metobuy,ratherheletmecometomyown conclusionsinmyowntime Italwaysfeltlikeit wasaboutrelationship-buildinginsteadof transactional Heconnectedmewithanexpert teamforrealestatelawandmortgageandThe RasnerGroupintroducedmetoandcoordinated folksforflooringandpainting.Ifeltreallyvery supportedbyeveryonethroughouttheprocess Andnow,I'mafirst-timehomeowner!ER
TheRasnergroupsetsthestandardforbuyingorselling ahomeinCambridge Ilyaknowsthemarketbetter thananyone,givesexpertadviceonprice,marketing, repairs,andhisteam(KimberlyandKristine)are incrediblyeffectiveatcoordinatingallthepieces together Seeingalloftheworktheydidonmybehalf (includingphysicallabortoclearoffmybalcony!)made itclearthatchoosingtherightpartnerisessential Extremelytrustworthy,highlyrespectedinthe community,andalwaysputmyinterestsfirst.Highest recommendation MKW
Tolearnmoreaboutus,youcanalsocheckoutthefollowing:
GoogleReviews:https://goo.gl/maps/fF2zoi8mz8H2
Zillow:https://www.zillow.com/profile/The-Rasner-Group/ Yelp:https://www.yelp.com/biz/the-rasner-group-cambridge
https://wwwfacebookcom/therasnergroup https://wwwinstagramcom/ilyarasnerrealtor/ https://youtubecom/@rasnergroup
We've been recognized as Boston Magazine's Top Producer in 2021 & 2022!
Follow us on Social Media w w w . r a s n e r g r o u p . c o m
THEBASICS
Haveyouconsideredwhomy maincontactwillbe?
Whattimelinewouldyouliketo strivefor?
THEWHAT,THEWHEN,THEHOWLET'STALKABOUTTHEBESTWAY TOGETINTOUCH.
WHATISYOURFAVORITEWAYTORECEIVE INFORMATIONORUPDATES? Select all that apply
Email
Haveyoulookedintogettingpreapprovedforahomeloan?
Haveyouthoughtabouttheprice rangeyou'dbecomfortablewith?
IfIfoundahometodaythat checkedallofyourboxes,could youseeyourselfmakingamove soonerratherthanlater?
Call Text
WHATISTHEBESTTIMETOREACHYOU? Select all that apply
Morning Noon
Afternoon
Evening
Anytime
ASUPDATESARISE,HOWOFTENDOYOU PREFERTOBENOTIFIED?
Select all that apply
ASAP
Inafewhours
Thatday
Everyfewdays
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YOUR
Remember, your home search should balance your needs, wants, and budget Prioritize your requirements and consider compromising on some wants to find the perfect home for you and your family. Here's an initial checklist to kick-start your evaluation:
MUST-HAVENEEDS:
Location:
Isthehomeconvenientlylocatednearyourworkplace, schools,publictransportation,andessentialservices?
NumberofBedrooms:
Doesthehomeofferenoughbedroomsto accommodateyourfamilyandpotentialguests comfortably?
NumberofBathrooms:
Arethereenoughbathroomstomeetyourfamily'sdaily needs?
SquareFootage:
Doesthehomeprovideenoughlivingspaceforyour lifestyleandcomfort?
SafetyandSecurity:
Istheneighborhoodsafewithalowcrimerate?
Kitchen:
Doesthekitchenhaveafunctionallayoutandenough storagespace?
OutdoorSpace:
Doesthepropertyincludeayard,garden,orbalconyfor outdooractivities?
Storage:
Arethereampleclosetsandstorageoptionsthroughout thehome?
Parking:
Istherecoveredparkingorsufficientoff-streetparking available?
SchoolDistrict:
Isthehomelocatedinproximitytoqualityschoolsif youhavechildren?
DESIRABLEWANTS:
UpdatedKitchenandBathrooms: Arethekitchenandbathroomsupdatedwithmodern amenitiesandfixtures?
NaturalLight: Doesthehomehaveplentyofwindowsforabundant naturallight?
EnergyEfficiency: Arethereenergy-savingfeaturesthatcouldhelp lowerutilitybills?
OpenFloorPlan: Doesthehomeofferanopenandflowinglayout betweencommonareas?
HomeOfficeSpace: Isthereadedicatedareasuitableforremoteworkor studying?
Walk-InClosets: Dothebedroomshavewalk-inclosetsforextra storage?
Fireplace: Isthereafireplacetocreateacozyambianceduring coldermonths?
View: Doesthehomeprovidescenicviewsofnature,the city,orwater?
OutdoorAmenities: Arethereadditionaloutdoorfeatureslikeapool, deck,oroutdoorkitchen?
High-QualityFlooring: Istheflooringmadeofdurablematerialslike hardwoodortile?
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YOUR
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w w w . r a s n e r g r o u p . c o m DAY 1 INSPECTION DAY 7 $500 MAKE AN OFFER $1,000 TO $5,000 START INITIAL STEP OBTAIN PRE-APPROVAL SUBMIT FORMAL MORTGAGE APPLICATION 1 DAY AFTER P&S CONDO DOCS REVIEW IF APPLICABLE 1 0 C A L E N D A R D A Y S 2 1 B A N K I N G D A Y S PURCHASE & SALE AGREEMENT DAY 14 5% OF THE OFFER PRICE APPRAISAL WITHIN 2 WEEKS ~ $500 MORTGAGE COMMITMENT 3-4 WEEKS AFTER P&S CLOSE PAYMENT OF AGREED-UPON DOWN PAYMENT + CLOSING COSTS *THE PROVIDED COSTS ARE ESTIMATES AND MAY VARY BASED ON ACTUAL SERVICE PROVIDERS THE ACTUAL COSTS WILL BE DETERMINED BY THE SPECIFIC SERVICE PROVIDERS USED. THE an overview
an in-depth process review
PARTNERWITHANAGENT
Absorbtheirlocalinsight
Gettoknowneighborhoodinventorylevels
Seewhat'sabouttohitthemarket
Gainaccesstooff-marketproperties
Reviewmarketaverages
Completeneedsassessment
GETPRE-APPROVEDFORALOAN
Understandwhatyoucanafford
Determineyourmonthlymortgagepayment
Understandyourdebtratio
Prepareforescrow
Obtainapre-approvalletter
FINDYOURNEWHOME
Comparehomeandneighborhoodaverages, thennarrowdowntheneighborhoodsyou wanttolivein
Favoritehomesandsavethemtoyour collections
Nixhomesthatdon'tmeetthemark
Schedulehometoursandplananitinerary withyouragent
Decideonyourdreamhome
MAKEYOUROFFERAND NEGOTIATETHETERMS
Reviewcontracttermsandtimelimitforoffer
Negotiatepurchaseprice
Chooseatitlecompany
Shophomeinsuranceoptions
Preparefordownpayment,earnestmoney
Chooseatargetclosingdate
Signtheoffer
Deliverescrowcheck
Stayinclosecontactwithyouragent
UNDERCONTRACT
Secureahomeloan *more details to follow
Acquirehomeinsuranceandsendproofto yourlender
Schedulehomeinspectionandnegotiate repairs
Orderanappraisal
Neutralizeanycontingencies[e.g.inspection, mortgage,appraisalcontingencies]
Conductatitlesearch
Chooseyourtitlecompany
Scheduleyourclosing
Solidifybothcontractexectivedateand allowablemove-indates
Certifyfundsforclosing
Stayinclosecontactwithyouragent, attorney,andlender
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BEFOREYOUCLOSE
Transferfundsforclosing
Reserveamovingcompanyandsetamoving date
ChangeyouraddressthroughUSPS,your bank,andotherinstances
Setupyourutilitiestobeactivatedor transferred
Confirmthatallcontingenciesareresolved
Schedulethefinalpropertywalk-through Designateasafe,dedicatedspacetosaveyour finalpaperwork
Stayinclosecontactwithyouragent, attorney,andlender
CLOSING7DAY:WHATTOBRING
Connectwithyourlender/attorneytowire downpaymentfunds.You'llneedtocoverthe costofclosingandthedownpayment.
Bringaprintedconfirmationofyourwire transfer
Government-issuedphotoID(s)
SocialSecuritynumbers
Homeaddressesfromthelast10years
Proofofhomeowner'sinsurance
Yourcopyofthecontract
Yourcheckbook
CLOSINGDAY
Signclosingdisclosure,promissorynote,and allotherdocumentation
Titletransfer
Deeddelivery
Saveyourpaperworkinyourpre-designated spot
Getyourkeys-congrats,it'sallyours!
This guide has a clear mission: to equip you with valuable insights and effective strategies, ensuring your homebuying process unfolds seamlessly. Throughout this journey, we're your steadfast partners, ready to assist you at every juncture. Whether it's clarifying doubts or providing direction as you navigate the pragmatic aspects of purchasing a home, count on us.
Owning a home is a keystone of wealth - both financial affluence and emotional security
Suze Orman
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FINANCINGSTAGES
Getpre-approvedforyourloan
Applyforamortgage
Getyourhomeappraised
Yourloangoesthroughunderwriting
You'reclearedtoclose!
HAVE-ON-HAND
Amonth'sworthofyour mostrecentpaystubs
Copiesofyourlasttwo years'federaltax returnsandW-2s
Thenamesand addressesofyour employersoverthelast twoyears,compiled intoonelist
Lastthreemonths ofbankstatements
CONGRATS!
YOU'RE APPROVED FORALOAN!
Followthesetipstoprotectyourloan:
DO:
Notifyyourlenderofanyaddresschange, whetherit'syourhomeaddressoranother listedonyourapplication
Notifyyourlenderofanysalaryorwage changes
Bepreparedtoprovideproofofsignificant bankdeposits
Acopyofyourreal estateagreement
Thenamesand addressesofyour landlordsoverthepast twoyears
Divorce/separation decree
Childsupportpapers
Bankruptcy,discharge ofbankruptcypapers
Acquirehomeowner'sinsurance immediatelyaftergoingundercontract Keepallformsofdebtpaidandin check
DONOT:
Makelargepurchasesusingexistingcredit withoutfirsttalkingtoyourlender
Applyfororacquireanyadditionallinesof credit
Payoff,transfer,orclosecreditbalances unlessyourlenderinstructsyoutodoso Changejobswithoutfirsttalkingtoyour lender
Co-signforanotherpersonseekingto obtainalineofcreditortomakea purchase
Payoffcollectionsbeforeconferringwith yourlender
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at a glance
