The Home Buying Experience

Homeownership is the ultimate American Dream. But there is more to buying a home than just a search online. In addition to locating the perfect home, there are many factors to consider. Finding the right lender, choosing a qualified inspector, winning in multiple bidding situations, negotiating repairs, managing all of the paperwork, deadlines, etc...and that's assuming you can even FIND a home in this hot market!

As your trusted partner, I'm here to advise and guide you through the often complicated home buying process so you get the home YOU want at the best price and terms. From my website, you can request a showing, save your favorites, ask a question, and take a virtual tour (if available) easily!

When You Work with Me You Can Expect...

Available & Convenient

For my active buyers I am a text, call, chat or email away, nights, and weekends. It's important that your agent is easily accessible!

Access to Off-Market Properties

When homes hit the market right now, they are selling fast, usually with multiple offers. To make sure you have an advantage, I have access to many properties that are not found on the MLS or online.

Direct & Honest Communication

No beating around the bush ever! I'm here to assist you in what may be the largest purchase in your lifetime and you need straight forward advice and to know all of your options.

Free Client Perks! 

Get a 1-year home warranty, professional home cleaning, or smart home security system. Some conditions apply. 

Love It or Relist It

If you don't love your home, within the first 6 months, I will relist it with NO listing commission.

Client for LIFE

This means I won't disappear the day after you close. I am not just an expert for hire. I strive to earn your trust and loyalty to be your real estate advisor for life!

Steps to Buying Your New Home

If this is your first home purchase, or it's been a few years, let's take a quick look, step by step, on how the process of buying a home typically goes, or, download my full guide below! 

1

Decide Whether You’re Ready to Buy A Home

Before you begin shopping for properties or comparing mortgage options, you need to make sure you’re ready to be a homeowner. Deciding whether it’s a good time to buy a house or not depends on a variety of personal factors (such as financial readiness and lifestyle preferences) and market conditions (such as economic health and current mortgage rates). But also, is now the right time? Do you need to sell your home first or wait for your lease to be up? If you are purchasing a home with a spouse or co-borrower, you will need to be sure you both are on the same page. And of course, you will want to work with a REALTOR®.
2

Determine How Much House You Can Afford

It's time to speak to a mortgage loan officer to find out how what your budget and payment would be. You will also want to check to see if you are eligible for any Down Payment Assistance. When you apply, your lender will give you a pre-approval letter that states how much you’re approved for based on your credit, assets and income. The benefits to getting pre-approved before you look at homes is huge. First, you will know just how much you can afford which will help you focus your home buying search. Second, you will have a rough idea of what your monthly payment will be including taxes. Third, just imagine how great it feels to find the perfect home and be able to put in an offer on that property that day so you don't miss out to other, less prepared buyers! 
3

House Hunting: Find Your Dream Home

And now, the fun part! We will discuss everything you would like to find in your new home. Then I'll set you up with text and email alerts so that every time a property that meets some or all of the things you are hoping for in your new home hits the market, you will know about it right away. From my website you can request a showing, save your favorites, ask a question, and take a virtual tour (if available) easily! I can get you in for a private tour of a property typically in 2 to 24 hours. Showings last 15-30 minutes and we will typically see 1-3 homes at a time. Once you find a property you like that fits your needs and budget, it’s time to make an offer.
4

Making An Offer

I will provide you with a comprehensive market analysis of the property you would like to purchase to assist you in deciding what you would like to offer. Your offer will include the price you’re willing to pay for the home, the date you would like to close, amount of earnest money, your down payment amount, and more. An earnest money deposit is a small amount of money, typically 1% – 2% of the purchase price. Your earnest money deposit goes toward your down payment and closing costs if you buy the home. If you agree to the home sale and later cancel, you typically lose your deposit. As your agent, I will assist you in writing a strong offer with a higher likely hood of having it accepted.


From here, the seller can respond in one of three ways: Accept the offer: If the seller accepts the offer, you can move onto the next step. Reject the offer: If the seller rejects your offer, the ball is back in your court. You can choose to submit another offer or move onto another home. Make a counteroffer: The seller can also come back with a counteroffer of their own. They may change the purchase price or the terms of the sale. You can accept the counteroffer, reject it, or make another counteroffer. Negotiations may go on for some time after you submit your offer. As your agent, I am here to help you manage negotiations – don’t be afraid to walk away if you can’t reach an agreement. Once you and the seller agree to an offer, it’s time to move on to the appraisal and inspection.
5

Inspections, Appraisals, and Walkthrough...Oh My!

Yay! Your offer is accepted. Now what? Don't worry, I'm here to help you through this process. During a Home Inspection, an inspector that you choose will go through the home and specifically look for problems. Most inspectors will have you meet them at the end of the inspection to review what they found and provide you with a written report via email within 24-48 hours. It’s common for homebuyers to include a home inspection contingency in their purchase offer. A contingency gives buyers the option to back out of a purchase (or negotiate repairs) without losing their earnest money deposit if the home inspection reveals major issues with the home.

A home appraisal is a review that gives the current value of the property you want to buy. You must get an appraisal before you buy a home with a mortgage loan. Lenders require appraisals because they can’t lend out more money than a home is worth. The lender choses the appraiser. If the appraised value comes back lower than your offer, you might have trouble getting financing. Be thoughtful about your offer and consider contesting the results of the appraisal if you believe the appraised value is too low. Homebuyers should also include an appraisal contingency in their offer. Appraisal contingencies are often drawn up to allow buyers to back out of a purchase (or negotiate a lower price) without losing their earnest money deposit if the home appraises for less than the offer amount.

You should do a final walk through in your new home before you close, even if you’re 100% committed to the property. This time allows you to check and make sure that the seller has made the repairs you requested and cleared out the property. Walk through the home and make sure the seller hasn’t left any belongings. Check your repair areas if you requested them and keep an eye out for pests. Feel free to print and use my Final Walk Through Checklist. You may also want to double-check your home’s systems one final time to make sure everything is in working order. If everything looks good, it’s time for you to confidently move toward closing.
6

It's Closing Time

Your lender is required to give you your Closing Disclosure, which tells you what you need to pay at closing and summarizes your loan details, three days before closing. Read through your Closing Disclosure and make sure the numbers don’t vary too much from your Loan Estimate, which you would have received three days after your initial application. Once you’ve reviewed your Closing Disclosure, it’s time to attend your closing meeting. Bring your ID, a copy of your Closing Disclosure and proof of funds for your closing costs. You’ll sign a settlement statement, which lists all costs related to the home sale. This is when you pay your down payment and closing costs. You’ll also sign the mortgage note, which states that you promise to repay the loan. Finally, you’ll sign the mortgage or deed of trust to secure the mortgage note.

After closing finishes, you’re officially a homeowner!!!!!!!!

Thinking New Construction?

New Homes

Search the largest collection of new homes right now or check out my New Construction Guide.

Learn Why New Construction Could Be Right For You!

We have all the information you need to find your perfect new home in Minnesota and Wisconsin. Our easy-to-use search tools allow you to browse detailed listings of Minnesota new homes for sale including pictures, prices, and descriptions. You can also find out more about new home builders and search for communities in your city.

🏠 A key advantage of new homes is that you get to choose features and finishing touches before your home is built, selecting your favorite colors, styles, and materials in many important product categories.

🏠 New homes typically don’t require the maintenance, repair and upgrades a pre-owned home might need. New homes also offer peace of mind since all products (and the home itself) are covered by a warranty. Most builders offer warranties on their homes, often one or two years on systems and materials and ten years for the structure.

🏠 Buying a new home means that you can choose the floor plan that meets your needs — no need for expensive, stressful remodeling jobs later on! — and you can often customize the layout or features to further personalize the space.

🏠  New homes are built in accordance with the latest building codes and regulations, often including new technologies and energy efficiencies, which result in lower utility bills and saving more money over time.

New homes today are built with state-of-the-art products, techniques, and materials that must meet the latest building codes enacted by states and localities. Regardless of your budget, your new home will typically include important safety features such as smoke detectors, ground-fault circuit breakers that reduce the risk of electrical shock, lead-free paint and even an exit from your basement. Homebuyers can rest easy knowing that the accumulated wear and tear associated with a resale house is not an issue with a new home.

Rent vs Buy

Should I buy or rent my property? Whether renting is better than buying depends on many factors. There can be many perks to becoming a homeowner—from having more control over your space to building equity and potentially benefiting from rising home values. But it also might be one of the biggest financial commitments you'll ever make, and it's not the right move in every situation.

There are times when renting is a better option than buying. If you are relocating to a new area, it might be wise to find a rental property and get to know the new area before you commit to buying a house in a place you’re not familiar with. Renting can also be a better option when you’re certain you won’t be in one place for long. But beyond those situations, buying a house is often a better choice financially speaking.

Try out this easy to use rent vs buying calculator from Fidelity Brokerage Services LLC.

© Copyright 2020-2023 Southeast MN Homes LLC 
All Rights Reserved 

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