Connect with a member of The Hopkins Team who is knowledgeable about the neighborhoods you're considering and can help guide your search.
Before beginning your search, your first step is to get pre-approved for a mortgage loan (unless you will be paying with cash). Based on your income and credit history, the lender will determine how much a bank will lend you, which will help you determine the price range for your search.
Now is the time to consider your ideal home's location and amenities. You will attend viewings and open houses spanning a range of areas and property types.
Once you identify a home you like, you can put in an offer. This offer is packaged with a Proof of Funds (POF) and a Pre-Approved Letter. We will provide advice throughout the negotiation.
Once the offer is accepted, this is the time to complete escrow deposits, apply for a loan and provide lender-requested documentation, schedule property inspections, and contact insurance providers for coverage. It is the buyer's duty to complete all contractual contingencies to protect your escrow monies.
Once the contractual contingencies have been met and you receive a Clear to Close from the lender, a closing date will be scheduled. Once the paperwork has been executed and the loan funded, you are now a homeowner. Congratulations!