Buying Or Selling A Home? Accent Real Estate Services Can Help

Buying Or Selling A Home? Accent Real Estate Services Can Help

Buying a home is a stressful event for most people, but it isn't that complex with some up-front planning. We like to furnish buyers with an outline of the whole deal so they'll know exactly what they can expect. Below are our nine steps to buying a home.

Step 1 – Prepare to buy

Before beginning your home search, there are many things you need to consider. When you start your search, you'll probably want to assemble a checklist of features you need, get a feel for what school districts you'd like to live in and start working on your budget. Keeping your mortgage payment around 1/3 of your monthly income is an excellent rule to follow.

Step 2 – Contact a real estate agent

That's where we come in. We'll arrange a time to meet to talk about your real estate needs and get an idea of your future plans. We'll discuss neighborhoods, school districts in the Temple area, the mortgage industry, and any additional economic factors that may affect your buying decision today or in the future.

In addition, we'll help you get started on your loan. Accent Real Estate Services partners with some of the best mortgage professionals in Temple, so you're in great hands. They can help you determine which type of loan is best for you, as well as help you get approved.

Step 3 – Start looking

After our initial meeting, we'll begin finding available houses on the market that are good for you. We'll get a sneak peek of most of the houses and throw out the duds, and then we'll book appointments to view the homes when it's convenient for you.

As we view the houses, we'll point out positive features, as well as bad ones. We'll also ask you to talk about things you like and don't like. It's widely shared that buyers change their wish list as we view houses, and some things become more substantial than others. If such is the case, we'll go back through all the listings one more time and trim it down to the house you've been waiting on.

Step 4 – Know the housing market

An agent's understanding of the Temple market is an essential element in your house search. And we can assure you we're well-versed in all the school districts and neighborhoods, and we will alert you to some neighborhoods that are "hot" and warrant prompt action and the others that are "cold" and allow for thoughtful consideration.

When we tour homes, we'll make sure to communicate when the list price has room for bargaining and when I know the house is "priced to sell." When working with an agent, trust your instincts and be sure to ask plenty of questions, as every real estate agent in Temple will claim to comprehend the home market. If things don't add up, call us at 254-773-0900 or e-mail us at bill@accentres.com, and we'll be glad to answer your questions. Our understanding of the market will help you stay a step above the rest throughout the entire process.

Step 5 – Find your dream house

We're positive we'll find the home of your dreams in the Temple area. When that happens, we'll carefully create your real estate purchase offer. The offer will be tailored exactly to your needs, including many contingencies, such as getting financing, completing the inspection, and a clean title.

When we submit your offer, you'll probably want to submit "earnest money." This is a cash deposit submitted to a home seller to secure the offer to buy the property and is most often applied to the closing costs. If your offer is accepted by the seller, we should close on the property within 30 to 60 days afterward. This allows necessary time for your mortgage financing.

Step 6 – Negotiate

A lot of contracts aren't closed on the beginning offer, and it's widely common to receive a counter offer. But don't let this intimidate you. We'll talk over whether or not to take the counteroffer, submit our counter offer, or decline the seller's offer and move on.

Market conditions determine how aggressively we negotiate the deal. We'll also work within your budget. And at the end of the day, we'll compose a deal that works well for you.

Step 7 – Obtain financing

Once the contract is finished, you'll begin working with your mortgage lender to close the loan. It won't take much time at all if you've been pre-approved, but you need to stay in close contact with your mortgage lender. And we'll sort out all the property information your mortgage lender will need to close the loan.

Step 8 – Close the deal

Your lender will provide you with a Good Faith Estimate (GFE) outlining closing costs within three days of getting your application. This estimate is based on the loan amount. RESPA requirements order that it has to involve all closing costs and fall within a narrow range of accuracy, and we'll analyze the estimate and let you know if everything looks all right.

Then we'll close on your home. This will most likely happen at a title company or escrow office and will likely be a smooth and stress-free occasion.

Step 9 – Move-in

Congratulations! Now you can move into your new house. Enjoy it. And if you have any questions, simply contact us at 254-773-0900 or send us an e-mail.

Buying a home is a stressful event for most people, but it isn't that complex with some up-front planning. We like to furnish buyers with an outline of the whole deal so they'll know exactly what they can expect. Below are our nine steps to buying a home.

Step 1 – Prepare to buy

Before beginning your home search, there are many things you need to consider. When you start your search, you'll probably want to assemble a checklist of features you need, get a feel for what school districts you'd like to live in and start working on your budget. Keeping your mortgage payment around 1/3 of your monthly income is an excellent rule to follow.

Step 2 – Contact a real estate agent

That's where we come in. We'll arrange a time to meet to talk about your real estate needs and get an idea of your future plans. We'll discuss neighborhoods, school districts in the Temple area, the mortgage industry, and any additional economic factors that may affect your buying decision today or in the future.

In addition, we'll help you get started on your loan. Accent Real Estate Services partners with some of the best mortgage professionals in Temple, so you're in great hands. They can help you determine which type of loan is best for you, as well as help you get approved.

Step 3 – Start looking

After our initial meeting, we'll begin finding available houses on the market that are good for you. We'll get a sneak peek of most of the houses and throw out the duds, and then we'll book appointments to view the homes when it's convenient for you.

As we view the houses, we'll point out positive features, as well as bad ones. We'll also ask you to talk about things you like and don't like. It's widely shared that buyers change their wish list as we view houses, and some things become more substantial than others. If such is the case, we'll go back through all the listings one more time and trim it down to the house you've been waiting on.

Step 4 – Know the housing market

An agent's understanding of the Temple market is an essential element in your house search. And we can assure you we're well-versed in all the school districts and neighborhoods, and we will alert you to some neighborhoods that are "hot" and warrant prompt action and the others that are "cold" and allow for thoughtful consideration.

When we tour homes, we'll make sure to communicate when the list price has room for bargaining and when I know the house is "priced to sell." When working with an agent, trust your instincts and be sure to ask plenty of questions, as every real estate agent in Temple will claim to comprehend the home market. If things don't add up, call us at 254-773-0900 or e-mail us at bill@accentres.com, and we'll be glad to answer your questions. Our understanding of the market will help you stay a step above the rest throughout the entire process.

Step 5 – Find your dream house

We're positive we'll find the home of your dreams in the Temple area. When that happens, we'll carefully create your real estate purchase offer. The offer will be tailored exactly to your needs, including many contingencies, such as getting financing, completing the inspection, and a clean title.

When we submit your offer, you'll probably want to submit "earnest money." This is a cash deposit submitted to a home seller to secure the offer to buy the property and is most often applied to the closing costs. If your offer is accepted by the seller, we should close on the property within 30 to 60 days afterward. This allows necessary time for your mortgage financing.

Step 6 – Negotiate

A lot of contracts aren't closed on the beginning offer, and it's widely common to receive a counter offer. But don't let this intimidate you. We'll talk over whether or not to take the counteroffer, submit our counter offer, or decline the seller's offer and move on.

Market conditions determine how aggressively we negotiate the deal. We'll also work within your budget. And at the end of the day, we'll compose a deal that works well for you.

Step 7 – Obtain financing

Once the contract is finished, you'll begin working with your mortgage lender to close the loan. It won't take much time at all if you've been pre-approved, but you need to stay in close contact with your mortgage lender. And we'll sort out all the property information your mortgage lender will need to close the loan.

Step 8 – Close the deal

Your lender will provide you with a Good Faith Estimate (GFE) outlining closing costs within three days of getting your application. This estimate is based on the loan amount. RESPA requirements order that it has to involve all closing costs and fall within a narrow range of accuracy, and we'll analyze the estimate and let you know if everything looks all right.

Then we'll close on your home. This will most likely happen at a title company or escrow office and will likely be a smooth and stress-free occasion.

Step 9 – Move-in

Congratulations! Now you can move into your new house. Enjoy it. And if you have any questions, simply contact us at 254-773-0900 or send us an e-mail.

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