Are you contemplating purchasing a new home in Fort lauderdale?

Purchasing a home can be stressful for many people, but it isn't that difficult with a little up-front planning. I like to give buyers an overview of the entire deal so they'll know exactly what they can expect. Below are my nine steps to buying a home. If you have any questions regarding any of this information or if you're prepared to get started, just contact me here or e-mail me at .

Step 1 – Get ready to purchase
There are plenty of things you should take into account before you start searching for a home. You'll probably want to assemble a list of must-have features, plan for what neighborhoods and school districts you'd like to live in, and start working on your budget. Keeping your mortgage payment less than or close to 30 percent of your net monthly income is a good rule to go by.

Step 2 – Contact a real estate agent
That's where I can help. I'd be more than happy to book a time to get together with you and speak with you about why you want to buy a home and get an idea of your plans for the future. We'll discuss everything from neighborhoods, school districts in the Fort lauderdale area, the mortgage and housing industries, to any other economic factors that might affect your purchase today or in the future.

I can also help you start the loan process. There are some great mortgage professionals in Fort lauderdale, and I work with a lot of them, so you're in great hands. They will help you figure out which kind of loan is best for you, as well as help you get approved.

Step 3 – Start your search
After our first meeting, I'll begin looking for available homes on the market that suit your needs. I'll get a sneak peek of many of the homes and exclude the duds, and then we'll schedule appointments to view the houses when it's convenient for you.

As we view homes, I'll show you the good features and bad ones. I'll even ask you about things you like and don't like. It's widely common for buyers to revise their must-have list as we view houses and some things become more crucial than others. If that happens, I'll look through the listings once again and trim it down to the home you've been dreaming about.

Step 4 – Understand the housing market
An agent's understanding of the Fort lauderdale housing market is an imperative factor in your house search. And I assure you I'm familiar with all the neighborhoods and school districts, and I will let you know some neighborhoods are "hot" and warrant prompt action and some that are "cool" and allow for more analysis.

When we tour houses, I'll make sure to communicate if the seller's list price has room for negotiation or if I believe the house is "priced to sell." When working with an agent, be on guard and be sure to ask lots of questions, as every real estate agent will convince you they truly understand the housing market. If things don't add up, contact me at 9548184743 or e-mail me at , and I'd be happy to answer any questions you might have. My market knowledge will help you stay a step above the rest through the entire process.

Step 5 – Find the home of your dreams
I know we'll find the house of your dreams in Fort lauderdale. When that happens, I'll thoroughly create your home purchase offer. The offer will be tailored to suit your needs and the home, including several contingencies. A few examples are getting financing, finishing the inspection, and a clean title.

When we present your offer, you'll want to present "earnest money." This is a cash deposit given to a seller to secure the offer to purchase the property, and it's usually applied to the closing costs. If the offer is accepted by the seller, we should close on the home within 30 to 60 days afterward. This allows sufficient time for your mortgage financing.

Step 6 – Negotiate the deal
Unfortunately most contracts aren't closed on the initial offer, and it's very common to receive a counter offer. Don't let it discourage you. We'll talk about whether or not to accept the counter offer, propose our own counter offer, or decline the seller's offer and move on.

The state of the market determines how aggressively we negotiate the contract. In addition, we'll work within your financing limits. And at the end of the day, we'll assemble a deal that works well for you.

Step 7 – Get financing
Once the deal is finished, you'll begin working with your mortgage lender to close the loan. If you're already pre-approved, it shouldn't take much time at all, but you should to stay in close contact with your mortgage lender. And I'll manage all the property information your mortgage lender needs to close the loan.

Step 8 – Close the deal
Your mortgage lender will send you a Loan Estimate (LE) detailing your closing costs within three days of getting your application. You'll get a Loan Estimate (LE) detailing closing costs from your lender within three days of receiving your loan application. This estimate is based on the loan amount. RESPA requirements mandate that it has to involve all closing costs and fall within a tight range of accuracy, and I'll study the estimate and let you know if everything looks good.

Then we'll close on your house. This will most often happen at a title company or escrow office and will likely be a smooth and comfortable occasion.

Step 9 – Move in
Congratulations! Now you can move into your new home. Enjoy it. And if you need anything, just contact me at 9548184743 or e-mail me at .