Step by Step: Home Buying Process

Find a Realtor You Can Trust; The Joyer Home Team
The First Step

In the home buying process is to find an experienced Realtor that you can trust. An agent who is knowledgeable in your marketplace, skilled in negotiations and has access to all the resources and information that you need to make your home buying experience an enjoyment.

Loan Application
Let’s secure the financing!

The Joyer Home Team will assist you in finding the perfect loan program that suits your financial needs. They have aligned themselves with competitive lending institutions to better serve their clients. Thus, saving the buying client time and money!

Looking for a Home
The Next Step

Is to look at various homes. The Joyer Home Team will assist you in determining your needs and wants and then set up a home search for you. As homes come on the market that you would like to see contact The Joyer Home Team and they will coordinate a time with you for a private showing.

Your Offer
This is a BIG Step

When you find your dream home, you should present a competitive offer immediately. The Joyer Home Team has extensive experience in contract negotiations. They will ensure you get just what you want for a fair price – a transaction in your best interest. For the offer an earnest money check is required to indicate good faith; earnest money is typically $1500 or one percent of the sale price.

The Contract
We’re Starting to Jog Now

When the seller accepts your offer, you go under contract. You want to make sure every detail is handled accurately and immediately. The Joyer Home Team will ensure your home closes properly and on time.

Inspections/Closing Preparations
You’re on the HOME Stretch!

Final details are handled and inspections are performed to ensure the property is ready for you. After home inspection details are finalized, the Joyer Home Team will keep in contact with your Loan Officer and Title Agent to ensure the appraisal is completed on time, and title work is in order. We will guide you through the process by sending reminders to order home insurance, utility information, and setting up the final walk through.

Now it is YOURS!
The Next Step Will Be Into Your New Home

Be prepared: Bring a list of where you have lived the past 10 years, your drivers license, a checkbook, a certified check, made payable to the Title Company, for your closing costs and downpayment, and your insurance binder to the closing. After closing the next steps you will take will be over the threshold of your new home!

Live Happily Ever After

The Joyer Home Team will be available in the future for any questions, comments or concerns you or anyone you know has regarding real estate. Feel free to call anytime…