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Step - 1 Make the Decision to Buy a Cochise County Home |
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It seems obvious, but it's good to note that the first step to buying a house is making the decision to buy. Consider the reasons you want a new house and write them down. Determine how long you want to live in the new house - does buying still make good financial sense? Can you afford a house that will meet your list of requirements? A good rule of thumb is your mortgage payment should not exceed 1/3 of your net monthly income.
TIP: Get Pre-Approved 1st
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Step 2 - Seek Professional Guidance in a REALTOR® |
| I'd like to schedule a time to meet with you to hear the reasons you want to buy a house and your plans for the future. We'll talk about neighborhoods, schools, economic factors liable to affect the market today and tomorrow, as well as how you would like your house and neighborhood to grow with you.
At this time, I will also help you get pre-qualified for a mortgage loan. Pre-qualification is a written statement from a loan officer indicating his or her opinion that you will be approved for a mortgage loan up to a certain amount. The fact that you are pre-qualified will help us when we are negotiating the deal.
TIP: Work with ONE agent (me)
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Step 3 - Begin the Hunt in Cochise County |
| After our initial meeting, I'll search all my resources for houses on the market that fit your criteria. I'll preview these houses to eliminate the duds. Then, I'll schedule appointments to tour the houses at times convenient to you.
As we tour houses, I'll point out positive features and negative features. I'll ask you to tell me what you like and what you don't like. You'll probably amend your "wish list" as we tour houses, some things will become more important and others less important. With this new information, I'll refine our search criteria to narrow in on the house of your dreams.
TIP: Drive through areas of interest
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Step 4 - Know the Cochise County Market |
| My knowledge of the Sierra Vista and Cochise County market is an essential factor in the house search. I'll let you know when the market in a particular neighborhood is "hot" and requires immediate action or when the market is "cool" and allows for thoughtful consideration.
As we tour houses, I'll let you know when the asking price has negotiating room and when the house is "priced to sell". My unique market knowledge will keep you a step ahead of the "house hunting competition".
In a "seller's market". It is not unusual to see multiple offers on a property, full-price offers and even above-price offers. On the flip side, during a "buyer's market" there are more houses for sale than buyers. This gives us more negotiating room as houses are taking longer to sell.
TIP: Create A Top 5 to 10 List Of Amenities
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Step 5 - Find Your Dream House |
| I'm confident we'll find your Arizona dream house. When we do, I'll put together the purchase offer tailored for your needs including appropriate contingencies (such as obtaining financing, favorable home inspection, clear title, etc.).
The offer is normally presented with "earnest money". This is a cash deposit made to a home seller to secure an offer to buy the property. The amount is applied to closing costs. If the seller accepts the offer, generally closing is held 30 to 60 days from the offer date (generally dependent on the turn around time of your mortgage financing).
TIP: Limit your time in a home that does not appeal to you
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Step 6 - Negotiate the Deal |
| It is not uncommon to receive a counter offer when the initial purchase offer is submitted. Don't let this discourage you. We will discuss the counter offer and decide whether or not to accept the counter offer, submit our own counter offer, or reject the counter offer and move on.
Arizona Market conditions will play a role in how aggressively we negotiate the deal. We will also work within your limits. Emotions can lead to buyer's remorse. It is better to set limits prior to negotiating an offer and stick to these limits.
TIP: Research Is The Key To Discovery
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Step 7 - Get a Loan |
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During the closing period, you will be working with your mortgage lender to close the loan. Since you pre-qualified for the loan before starting your home search, you will be that much closer to the end. I'll gather the necessary property information your lender will need to close the loan.
TIP: Develop A Mortgage Shopping Chart
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Step 8 - Close the Deal |
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You will receive a "Good Faith Estimate" of closing costs at the time the loan application is submitted to the lender. The estimate is based on the loan officer's past experience and may not include all the closing costs. I will be glad to review the "Good Faith Estimate," answering questions and highlighting missing costs and estimates I believe to be low.
TIP: Get A Quality Home Inspection
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Step 9 - Move In |
| Congratulations! It's time to move into your new house and make it your home. Enjoy this exciting time. I'll give you a checklist to help you remember the numerous details that will make your moving day a pleasure. |
This comprehensive website contains real estate information about Brad Snyder's Sierra Vista and Fort Huachuca, Arizona Real Estate Website: The www.BradSnyder.com web site provides Benson, Bisbee, Bowie, Cochise, Douglas, Dragoon, Elfrida, Fort Grant, Fort Huachuca, Hereford, Huachuca City, Mc Neal, Naco, Palominas, Paradise, Pearce, Pirtleville, Pomerene, Portal, Saint David, San Simon, Sierra Vista, Sunsites, Tombstone, and Willcox, and southeast Arizona real estate information and resources to guide homeowners, homebuyers and real estate investors through the process of selling and buying a house, condo or other Sierra Vista and Fort Huachuca realty property in and around Hereford and Whetstone, area as well. Brad Snyder (sometimes called Bradley Snyder) has services to help you get the best value for your Sierra Vista and Cochise County home and this website offers home buyers and home sellers a superior comparative market analysis (CMA), a way to view Benson, Bisbee, Bowie, Cochise, Douglas, Dragoon, Elfrida, Fort Grant, Fort Huachuca, Hereford, Huachuca City, Mc Neal, Naco, Palominas, Paradise, Pearce, Pirtleville, Pomerene, Portal, Saint David, San Simon, Sierra Vista, Sunsites, Tombstone, and Willcox real estate and MLS listings including virtual tours, prepare your home for sale, and more. Investors looking for real estate investment properties in Benson, Bisbee, Bowie, Cochise, Douglas, Dragoon, Elfrida, Fort Grant, Fort Huachuca, Hereford, Huachuca City, Mc Neal, Naco, Palominas, Paradise, Pearce, Pirtleville, Pomerene, Portal, Saint David, San Simon, Sierra Vista, Sunsites, Tombstone, and Willcox , to invest in need look no farther. Anyone selling a home, buying a home or seeking housing can learn more about our Sierra Vista and Cochise County realty services, and will appreciate working with a Sierra Vista REALTOR who knows the area so well. Through trusted partners, we also provide real estate and financial services to consumers looking for houses for sale or selling their home in Sierra Vista, AZ, such as mortgages, credit history, new homes, foreclosures and other services. If you've already tried to go the for sale by owner (FSBO) route and find you are needing a partner who you can trust in the sale of your most precious asset, Brad Snyder can take care of your special needs. It really doesn't matter if you spell it REALTOR®, Realator or Realter, realty, realety or reality, real estate or realestate, Brad speaks your language. Haymore, and Haymore Real estate are not attorneys, nor do they claim to be expert in all aspects of real estate. This website is for general information only and is absolutely not to be considered legal advice. Thank you.
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