jamieross@atproperties | 847-338-1292
The Buying Process
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Choose an agent
As of August 17, 2024, home sellers will no longer dictate the compensation paid to buyer-brokers. Instead, homebuyers and their brokers will determine this amount independently, separate from the agreement between a seller and their listing broker. Additionally, offers of buyer-broker compensation will no longer be advertised in the MLS. These changes are designed to increase transparency for buyers, sellers, and brokers while reinforcing that broker compensation is negotiable and not fixed by law.
When buying a home, it’s important to understand that not all REALTORS® are the same. Before requesting your first showing, take the time to meet with an agent to ensure your goals align and that you work well together before signing a buyer broker agreement. Once you go under contract, that agent will guide you through the entire process, so choosing someone with experience, market knowledge, and strong negotiation skills is essential. Most importantly, work with an agent you trust—buying a home is a major investment, and having the right professional by your side can make all the difference.
Get Pre-Approved Before You Start House Hunting
Many buyers don’t realize that getting pre-approved should be the first step in the home-buying process—before you start looking at homes. A pre-approval is essential, especially in today’s competitive market. It not only helps you understand what you can afford but also positions you as a serious buyer, allowing you to move quickly when you find the perfect home.
Need help finding a trusted lender? I can connect you with an exceptional lender who can guide you based on your unique financial situation. Reach out today to get started!
Finding the Right Home for You
Now comes the fun part—house hunting! Throughout this process, we’ll work closely together (and probably become best friends along the way). While it's rare to find a home that checks every single box, I’ll do everything I can to get as close as possible. Many buyers start with a set wish list but often find themselves drawn to something completely unexpected. That’s why it’s important to focus on the key factors that truly matter—location, floor plan, and features that fit your lifestyle.
Here’s what to expect during your home search:
- We’ll work together to find and tour potential homes.
- We’ll carefully evaluate factors like property taxes, HOA fees, and any assessments that may impact your budget.
- Communication is key! Keep me updated if your wishlist changes—because it probably will.
My goal is to help you find a home that not only meets your needs today but also supports your long-term happiness. Let’s find the perfect place for you!
Contract to Close - Transaction Management
Buying a home is an exciting journey, but it also comes with many moving parts. My job is to ensure that every step of the process is handled smoothly and efficiently so you can focus on the excitement of your new home. Here’s how I’ll guide you from offer to closing:
Crafting the Perfect Offer
When you find "the one," we’ll work together to create a strong and competitive offer. Many factors go into crafting the right offer, including:
✔ Purchase Price – Determining the best price based on market conditions and comparable homes.
✔ Earnest Money – A good faith deposit showing your commitment to the purchase.
✔ Prorations – Adjustments for property taxes and HOA fees.
✔ Closing Date – Setting a date that aligns with your needs and financing timeline.
✔ Mortgage Contingency – Ensuring you’re protected if financing is delayed or denied.
✔ Inspection Contingency – Giving you the opportunity to have the home professionally inspected.
Earnest Money Deposit
Once your offer is accepted, you will submit your earnest money, which is typically held by the listing brokerage and later applied toward your closing costs. This deposit demonstrates to the seller that you’re serious about the purchase.
Home Inspections & Negotiations
Inspections are a critical step in the home-buying process. I will guide you through which inspections may be necessary and help coordinate them, such as:
- General Home Inspection
- Radon Testing
- Mold Testing
- Well Inspection
- Septic Inspection
After inspections are completed, we may need to negotiate potential repairs or credits. I’ll use my experience and market expertise to ensure you get the best possible outcome.
Managing the Transaction
Once we’re under contract, my role shifts to overseeing all the details to ensure a seamless closing. Behind the scenes, I will:
✔ Deliver earnest money to the appropriate party.
✔ Schedule and attend the home inspection.
✔ Ensure all required documents are completed and submitted.
✔ Work closely with your lender to meet financing deadlines.
✔ Monitor all contingencies and ensure deadlines aren’t missed.
✔ Provide trusted referrals for any needed services.
✔ Schedule and attend your final walk-through.
✔ Coordinate and attend closing day to make sure everything runs smoothly.
Keeping You Sane Through the Process
Buying a home can feel overwhelming, but I’m here to make it as stress-free as possible. I’ll be available to explain every step, answer all your questions, and handle the details so you can focus on your future home.
Even after you get the keys, you won’t be rid of me! I’ll always be here as a resource for home improvement referrals, market updates, and any real estate advice you need. My clients become my friends, and I look forward to being a part of your homeownership journey for years to come!
Buyers agents are like the secret sauce in your real estate journey...
adding that extra flavor of expertise and support that can make all the difference. Sure, you could go it alone, but why would you want to when you've got a pro by your side? These agents are like your personal real estate Sherpas, guiding you through the treacherous terrain of property hunting with their insider knowledge, negotiation skills, and savvy market insights. They're not just there to help you find a house; they're there to help you find the right house, the one that ticks all your boxes and fits your budget like a glove. Plus, they've got your back when it comes to navigating the maze of paperwork, contracts, and legal mumbo-jumbo, ensuring that you're protected every step of the way. So if you're serious about finding your dream home without all the headaches and heartaches, a buyers agent is the ace up your sleeve that you definitely want to have in your corner.
Contact me today
