Buyer’s Guide to Real Estate

Buyer’s Guide to Real Estate

Whether you’re upsizing, downsizing relocating or making an investment- Toner Real Estate will walk you through the steps of finding the perfect property!

  1. Start by determining your price range. Use our affordability calculator to input your income, expenses and down payment to calculate what you can afford.
  2. Get pre-approved by a reputable, local loan officer.
  3. Research the area you’re looking in with our City Data Information. Discover parks, schools, restaurants and more!
  4. Work with an agent. Entrust Toner Real Estate and one of the many agents to help guide you through the process.
  1. Ask your agent to set up tours and attend open houses. Have your agent sign you up for MLS(multiple Listing Service) emails so you receive all the new homes the second they hit the market.
  2. When you’re ready to make an offer, be prepared for the negotiating aspect as well.
  3. Your agent will submit a written offer for you when you’re ready. This will include all contingencies as well as your financial qualifications.
  4. Your offer will be reviewed and the seller will decide to accept, counter, or decline. This is where negotiating may take place, and your agent will work on your behalf to get the best possible outcome for you.
  1. Once your offer is accepted, it’s time to have a home inspection. Your agent can suggest reputable home inspectors within the area or you can use our “Related Links” to locate a licensed home inspector.
  2. After inspections, you have multiple options which your agent will go over with you. You can move forward as-is, negotiate if you discovered issues that you were unaware of prior, or you may back out and keep looking for your perfect home.
  3. If you decide to move forward, you’re next phase is the Purchase and Sales Agreement.
  4. At this time you may hire an attorney to prepare and review this contract, your agent can suggest experienced attorneys for you if you don’t have your own.
  1. If you are using a loan to purchase the home, you will also have an appraisal to determine that you are not over paying for the property.
  2. Finally, once your loan is approved you attend a final walk through to make sure future home is in the same condition it was in when you submitted your offer.
  3. Your last step is the closing, where your attorney will go over all the documents and deeds with you to sign and you will receive the keys to your home that you’ve been waiting for.

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