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OVERVIEW OF THE BUYING PROCESS:
Step One--Talk with a mortgage lender.
Several types
of companies offer loans to home buyers. Good service, competitive
interest rates and low closing costs are important items to consider as you
select your lender. However, Sharon believes that it is also important
that you feel comfortable with the Loan Originator and Loan Processor, the people who
are going to guide you through the process and learn all of your
personal financial details.
By talking with a Mortgage Lender first, you are educated
in your loan product choices. This way we can begin searching for your new
home in the correct price range. Sharon is happy to offer you a list of
Mortgage Lenders.
Step Two--Meet with Sharon
Sharon likes to begin the process by actually meeting with
you at her office, located at 2855 Lawrenceville-Suwanee Road in the Horizon Village Shopping
Center in Suwanee, just one mile east of Interstate 85 at Exit 111.
It usually takes about one hour for Sharon to help you
clarify your goals, chart a course to meet your goals, and search the Realtor
databases for homes to go look at.
Step Three--Locate your home
We start with the homes on the market, even For Sale By
Owners. If the exhaustive search, including daily search of new
listings, does not locate your home, Sharon has other sources for
homes not on the market. Some agents make statements like: "All
agents are pulling information on available homes from the same
database." However, Sharon goes much farther. She helps you
search for a home like she would search for her own home.
Step Four--Make the offer
Taking into account the recent comparable sales, the current real estate snapshot,
and other factors, Sharon will consult with you and
advise you on how to create an offer that will have the best chance of helping
you reach your personal goals. Sharon will prepare that offer for
you, always looking out for your best
interests.
Step Five--Negotiate the offer
There are several things to keep in mind during the
negotiation process. Sharon does this several times each month and can
advise you well. Almost everything is negotiable in a real estate
contract.
Sharon thinks outside the box to help you reach all of your goals.
When all of the items have been agreed upon, Sharon reviews the final Purchase
and Sale Agreement with you before your final signature.
Step Six--Satisfy all contingencies, special stipulations, and terms of the
contract.
This is an involved process with several deadlines that,
when missed, can cause the Buyer to lose some rights. Sharon's experience
can guide you through this process all of the way to a successful closing.
Step Seven--Walk Through
The day of closing or the day before, one more trip to the
house to do a final walk-through is a wonderful idea.
Step Eight--Closing
In the state of Georgia "Closing" (where
ownership of property is legally transferred from Seller to Buyer) usually
occurs at an attorney's office. Sharon will assist you in locating a good
attorney, finding the office, and having the paperwork completed correctly and
in a timely manner.
However, on occasion circumstances demand a change from
the ordinary. Once Sharon closed a home with a Lender in a hospital room
with a new mother whose baby came early. Sharon is always willing to go
the extra mile to make your home ownership dream come true.
Step Nine--Post-Closing
Sharon's service does not stop at closing. If there
is an item that needs attention after closing Sharon is happy to work with you
until the situation is resolved.
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to Buyer Resources
Call
Sharon for an interview today!
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