Buyer's Guide

A Step-by-Step First Time Buyer's Guide

Buying a home is one of the most exciting milestones of your life. To prepare yourself for this moment, you need to know what to expect during the process. This step-by-step first time buyer’s guide created by your agent will help reduce the stress of buying a home and help you enjoy the journey as much as possible.

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Step 1: Choosing the right Real Estate Professionals

Selecting the right real estate professionals to help you through the home buying process will make all the difference in the world. Melanie and Noah’s years of unbridled success, extensive market knowledge, and connections to the best resources, making them the obvious choice for your new home journey.

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Step 2: Loan pre-approval

Before you begin to shop for a home, Melanie and Noah can enhance your buying power by helping to get you Pre-Approved or Pre-Qualified. Their extensive network of mortgage professionals offers a broad selection of lenders and loan products which can help with some of the trickiest loan obstacles or find creative financing solutions where other lenders might otherwise say no.

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Step 3: Learn the Market

Their free service for home buyers is the most efficient way to search. They can register you to receive automatic email alerts as properties that meet your specifications become available for sale as well as save Favorites, and communicate with them.

Our goal is to provide you with the most personalized service that is designed to help you buy your dream home.

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Step 4: Find the Right House

Melanie and Noah will help you find the perfect fit for your needs through their knowledge, patience, and dedication to their clients. You will be guided through properties with professionals you can trust to help you make the right choice.

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Step 5: Simplify the Transaction

Throughout the process, Melanie and Noah will guide you through the transaction from beginning to end. Whether it is selecting the right house, negotiating the deal, going through the inspection, appraisal, financing and title processes, securing insurance, and ultimately closing on your new home, Melanie and Noah work with some of the best professionals in the area and stay with you through the entire process in order to assure you the smoothest, most enjoyable experience possible.

Why Melanie and Noah?

Real estate transactions involve one of the biggest financial investments most people experience in their lifetime. Transactions today usually exceed $100,000. If you had a $100,000 income tax problem, would you attempt to deal with it without the help of a CPA? If you had a $100,000 legal question, would you deal with it without the help of an attorney? Considering the small upside cost and the large downside risk, it would be crazy to consider a deal in real estate without the professional assistance of Melanie and Noah.

If you are buying a home, Melanie and Noah:

…that is, your financial reserves plus your borrowing capacity. If you give Melanie and Noah some basic information about your available savings, income and current debt, they can refer you to lenders best qualified to help you. Most lenders – banks and mortgage companies – offer limited choices.

Sometimes the property you are seeking is available but not actively advertised in the market, and it will take some investigation by Melanie and Noah to find all available properties.

Melanie and Noah have access to a variety of informational resources. They can provide local community information on utilities, zoning, schools, etc. There are two things you’ll want to know. First, will the property provide the environment I want for a home or investment? Second, will the property have resale value when I am ready to sell?

There are myriad negotiating factors, including but not limited to price, financing, terms, date of possession and often the inclusion or exclusion of repairs and furnishings or equipment. The purchase agreement should provide a period of time for you to complete appropriate inspections and investigations of the property before you are bound to complete the purchase. Melanie and Noah will advise you as to which investigations and inspections are recommended or required.

Depending on the area and property, this could include inspections for termites, dry rot, asbestos, faulty structure, roof condition, septic tank and well tests, just to name a few. Melanie and Noah can assist you in finding qualified responsible professionals to do these investigations and provide you with written reports. You will also want to see a preliminary report on the title of the property. Title indicates ownership of property and can be mired in confusing status of past owners or rights of access. The title to most properties will have some limitations; for example, easements (access rights) for utilities. Melanie and Noah, their title companies or attorneys can help you resolve issues that might cause problems at a later date.

Between the initial purchase agreement and closing, questions or issues may arise. Melanie and Noah are the best agents to objectively help you resolve these issues and move the transaction to closing.

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We have a high-tech, aggressive marketing program that will make your listing highly visible to potential buyers around the world, and we make use of our networks both online and off to find your buyer.

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