A pre-approval is crucial before starting a home search because it provides a clear understanding of your borrowing capacity. It signals to sellers that you are a serious and qualified buyer, strengthening your negotiating position. Additionally, it streamlines the buying process, allowing you to act quickly when you find the right property, and it helps you avoid falling in love with homes that may be outside your financial reach.
Once we identify your must-haves and wants, we'll arrange a tailored auto-search aligned with your specific criteria, ensuring you receive immediate updates when new listings become available. Subsequently, we will tour your handpicked prospective properties.
Once we have viewed properties, we'll collaborate closely to pinpoint the most favorable terms and conditions for your offer. We will comprehensively review all of the paperwork, ensuring you are fully informed throughout the process.
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Upon acceptance of your offer, you must submit a deposit within 24 hours, which will be securely held in trust by the listing brokerage. This deposit will then be applied towards your down payment upon the closing of the transaction. This is typically about 3-5% of the purchase price.
We will carefully assess and recommend the most fitting conditions for the transaction, ensuring they are advantageous for you as the buyer. Throughout this stage, we will diligently adhere to and meet deadlines for each condition, such as financing and home inspection, status certificate, and any others that apply to your specific situation.
You will need a great lawyer to help you close your purchase. They will help prepare all the closing paperwork. You will also arrange to get your mortgage paperwork with the bank before closing.
As the closing date approaches, you'll have the chance to revisit the property multiple times, providing an opportunity to identify and report any deficiencies that may require attention from your lawyer.
The transfer of ownership will occur, with your lawyer handling the transfer and distribution of funds. Upon completion, you can collect your keys and move into your new home!
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