Let FirstPoint Real Estate assist you in purchasing your home in Puyallup

With a little planning ahead of time, buying a home isn't that confusing, but the event can be stressful for a lot of people. So they know exactly what to expect, I like to provide buyers with an overview of the entire deal. Here are my nine steps to purchasing a home. When you're ready to get started, just contact me here or e-mail me at . I'm glad to answer questions you have regarding this information.

Step 1 – Prepare to buy
Before you start looking for a home, there are plenty of things you should take into account. When you begin your search, you'll probably want to put together a check list of items you need to have, get an idea of what school districts and neighborhoods you want to live in, and begin working on your budget. A good guideline to adhere to is that your mortgage payment should be around 1/3 of your monthly income.

Step 2 – Speak with a real estate agent
That's where I come in. I'd love to book a time to get together with you and talk about your real estate needs and get an idea of your future plans. We'll discuss neighborhoods, schools in the Puyallup area, the mortgage and housing industries, and any other economic factors that could affect your buying decision today or in the future.

I can also assist you in getting started on your loan. FirstPoint Real Estate partners with some of the best mortgage professionals in Puyallup, so you'll be in great hands. They will assist you in deciding which kind of loan is best for you and help you get qualified.

Step 3 – Begin house hunting
Following our initial meeting, I'll begin searching for houses on the market that are a great fit for you. I'll preview many of the homes and reject the bad ones, and then we'll set up appointments to view the homes at a time that's convenient for you.

As we view the homes, I'll show you the good features, as well as bad ones. I'll also ask you to talk about things you like and dislike. It's widely common for buyers to revise their must-have list as we tour homes and some items become more necessary than others. If that happens, I'll search the listings another time and narrow it down to the home you've been waiting for.

Step 4 – Understand the market
An agent's knowledge of the Puyallup market is a necessary factor in your house search. And I can assure you I'm conscious of all the neighborhoods and school districts, and I can communicate some areas are "hot" and demand immediate action and others that are "cool" and allow for cautiousness.

When we view homes, I'll make sure to communicate if the asking price has room for bargaining or if I believe the house is "priced to sell." Be mindful and be sure to ask plenty of questions, as every REALTOR in Puyallup will tell you they truly understand the housing market. If things don't add up, contact me at 253.299.2088 or e-mail me at , and I'd be more than happy to answer any questions you may have. My market expertise will keep you a step ahead through the entire deal.

Step 5 – Find the home of your dreams
We'll find the house of your dreams in Puyallup, and when we do, I'll precisely create your home purchase offer. The offer will be tailored keeping your needs in mind and the home, including several contingencies. A few examples are obtaining financing, finishing the inspection, and a clear title.

When sending in your purchase offer, you'll want to submit "earnest money." This is a cash deposit given to a home seller to secure the offer to purchase the property and is usually put towards the cost of closing. If the seller accepts your offer, we should close about 30 to 60 days afterward. This allows enough time for your mortgage financing.

Step 6 – Negotiate the deal
A lot of contracts don't close on the first offer. It's very common to receive a counter offer. But don't let it intimidate you. We'll talk over whether or not to agree to the counter offer, present our own counter offer, or reject the seller's offer and move on.

The state of the market determines how aggressively we negotiate the deal. We'll also work within your financing constraints. And when it's all said and done, we'll formulate a deal that's best for you.

Step 7 – Secure your loan
After the contract is finished, you'll begin working with your lender to close the loan. If you've been pre-qualified, it won't take very long at all, but you'll need to keep 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 lender will give you a Loan Estimate (LE) of closing costs within three days of accepting your loan application. You'll get a Loan Estimate (LE) outlining your closing costs from your lender within three days of accepting your application. The estimate is formed from the loan amount, and RESPA requirements mandate that it has to involve all closing costs and be within a strict range of accuracy. I'll study the estimate and let you know if it all looks permissible.

Then it's time to close on your home. This will likely take place at a title company or escrow office and is often a smooth and easygoing affair.

Step 9 – Move in
Congratulations! Now you can move into your new home. Enjoy it. And if you need anything, just contact me at 253.299.2088 or e-mail me at .