Step 1: Become prequalified.

Contact a lender to become prequalified.  Once pre-approved, the lender can tell the buyer what their monthly payment will be so the buyer will know what price range they are interested in. This is also a great way to find out if they qualify for any home buyer programs and how much money is needed at closing. If you need recommendations for a lender, Contact Us - we are happy to help!

 Step 2: Find out what you are looking for.

Once pre-qualified, we will set up a custom search through our MultiListing Service (MLS) to match what preferences the buyer is interested in. We will also go over the price range they are most comfortable with. As Licensed Realtors, we have access to every house listed with other licensed Realtors. Once a house matches the buyer's preferences, details of the house is sent via e-mail. This gives the buyer the advantage of seeing a house before most others know about them.

Select the above button to have homes e-mailed to you based on your preferences.

 Step 3: House searching.

Once we find a house the buyer is interested in, I set an appointment and we view the house. The buyer might find themselves interested in many houses and we can make a day out of it! 

Step 4: Negotiating the contract.

Once we find a home the buyer wants to purchase, Divine assists the buyer in writing an offer to the seller. A few examples of what is negotiated in the offer are the sales price, who pays how much closing costs, whether or not to have a home warranty, and if the buyer requests any 'moveable objects' to remain after closing. The seller has the option to accept, reject, or counter the offer. 

Step 5: Inspection and paperwork.

Once the offer is accepted, the inspection period begins. In the contract there will be a negotiated period of time for inspections to be completed by the buyer. During this time, the buyer can inspect the home and decide if she/he is satisfied or would like to ask the seller to fix certain things. If the buyer asks the seller to fix anything, the seller can accept or reject the request. Once the inspection requests are accepted by the seller and buyer, paperwork is provided to the lender and title company/attorney.

Step 6: Final walk-through.

After a successful inspection period and close to the closing date, a final walk-through will be completed by the buyer. This is to ensure that the home/property is in the same condition as when the contract was first executed.

Step 7: Clear to close.

Within a week of closing, the title company/ attorney will receive a clear to close. A clear to close will initiate a settlement statement, also known as a HUD (Housing and Urban Development), for the buyer and seller. This statement shows which costs go to where and who will pay for them, per the contract. This also confirms with the buyer how much they will need to bring to closing. 

Step 8: Get your keys!

At closing you will get the keys to your new home. Congratulations!