购房小贴士

选择房地产经纪人®

Of all the decisions you'll face when buying a home, there's none more important than the person you choose to represent you.

The job of your Sales Associate is to support you in finding the right home with the best possible terms, 并在整个过程中帮助你. Your Sales Associate will explain the process of buying a home, 让你熟悉各种活动, documents and procedures that you will experience throughout the transaction.

选择房地产经纪人的技巧

你的房地产专家应该是:
  • Knowledgeable about the communities of interest to you.
  • Aware of the complicated local and state requirements affecting your transaction.
  • Effective in multi-party, face-to-face negotiations.
  • Highly-trained, with access to programs for continued learning and additional certifications.
  • 强调技术.
  • 由专业法律顾问提供支持.

融资

Most real estate professionals and mortgage lenders recommend pre-qualifying for a loan before selecting a home to purchase. 这个过程将帮助你:
  • 确定你能承受的价格范围.
  • 了解你有资格获得的贷款类型.
  • 确定你的月供.
  • 估算首付款和成交费用.

贷款流程

Your Sales Associate will help you to select a mortgage lender. Once you have made your decision, these are the steps of the process:

应用程序 —已获取相关文档. 讨论费用和首付款, and the borrower will receive a Good Faith Estimate (GFE) and a Truth-in-lending statement (TIL), itemizing the rates and associated costs for the loan.

You will be asked to provide certain documents to your lender in order that your loan can be processed in a timely manner.

贷款提交 -一旦所有必要的文件都到位, your completed file is submitted to a lender for approval.

贷款审批(承保) - Loan approval, or underwriting, generally takes 24 to 72 hours. All parties are notified of the approval and any loan conditions that must be received before the loan can close.

关闭 - Once all parties have signed the loan documents, they are returned to the lender. If all the forms have been properly executed, the lender sends the loan funds by wire transfer. At this point, the borrower finishes the loan process and actually buys the house.


寻找并选择合适的家

Based on criteria that you and your Sales Associate establish together, your Associate will help you find the perfect home. There are many factors to consider in selecting a property, 包括位置, 卧室和浴室数目, 学校及设施.

Your Sales Associate will apply their extensive community knowledge and professional resources to research available properties, and show you the homes that best meet your needs. If you find a property that interests you through the Internet or your own research, let your Sales Associate know so that a showing can be arranged.

As you view different properties, your criteria may change. Open and direct communication with your Sales Associate is a key element of a successful property search.


提供报价

Once you have found the home that you wish to purchase, your Sales Associate will apply their professional training and do all the necessary research to help you structure an effective offer.

This is where your Sales Associate's negotiation skills come into play. When an offer is made, the seller will have the option of accepting, rejecting or counter-offering. Your Sales Associate will negotiate the best possible terms for you.

Your Sales Associate will draft the purchase agreement, 建议你采取紧急保护措施, 惯常的做法, 以及地方法规. Home warranty, title and escrow arrangements will be detailed in the offer. Although your Sales Associate will give you advice and information, it is your decision as to the exact price and terms that you wish to offer.


管理托管

When the purchase agreement is accepted and signed by all parties, your Sales Associate will open escrow for you and your earnest money will be deposited. The escrow is a neutral third party that will receive, 持有, and distribute all funds associated with your transaction.

删除事件

Prior to closing escrow, all of the contingencies of the Purchase Agreement must be met. Your Sales Associate will coordinate this process. 典型的或有事件包括:
  • Approval of the Seller’s Property Disclosure Statement.
  • 批准初步标题报告.
  • Loan approval, including an appraisal of the property.
  • 对物业进行实地检查.
  • 有害生物检验及认证.
  • 获得房主保险.

结束托管和入住!

When all of the conditions of the purchase agreement have been met, you will sign your loan documents and closing papers. You will deposit the balance of your down payment and closing costs to escrow, and your lender will deposit the balance of the purchase price. The deed will then be recorded at the County Recorder's office and youwill take ownership of your home.

Your Sales Associate is a valuable source of helpful tips for planning and coordinating your move.

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