1. Secure Financing - First and foremost you will have a lender who works closely with you and your financial status pre-approving you for a certain amount for the purchase of a home. You will need to know personally what you feel comfortable paying every month. Your lender only sees your finances and won't be in charge of deciding how much you should spend on your new home. They will assist you in deciding which home loan is right for you.

2. Commit to Buy - Once you understand the costs in buying a home you then need to decide if and when purchasing is right for you. Being fully committed to this decision will give you confidence during your home search thus making the home buying experience exciting and life fulfilling.

3. Finding Your Home - Once you are preapproved, you may now begin the exciting part of finding your dream home. This is where having the best agent for your area of home search is crucial. Experienced agents will have important questions to begin the home search process. You will be asked questions such as what do you need in a kitchen, how do you feel about brand new homes vs pre-owned, are busy streets a no-go, and what type of amenities are you interested in. These are just a few questions that will come your way as we work together to find you the perfect home! Begin your home search now!

4. Make an Offer - Once we make an offer we enter into negotiations with the seller. This can happen quickly or it may take a few days to figure out if the home could be yours.  At times, available homes will have multiple offers on the table. Once an offer is accepted and signed by both the buyer and seller we then go into an option period also know as an inspection period. Knowing what home offer to make will be a decision you and your agent will need to talk over in full detail. Making the wrong offer could lead the seller going with another offer from another agent or client. Team Kristen Schramme has the experience and the knowledge necessary to get you closer to owning your dream home.

5. Option/Inspection Period - You want to have the home inspected regardless if it's old or brand new.  When it comes to an inspection report we are looking for issues with the five big ticket items. These are foundation, plumbing, electrical, roof and A/C. Other things that the inspector points out could be minor and nothing to be alarmed by. It's a home inspectors job to point out and report every discovery made, but some of these can be easily fixed.

6. Closing - Once your inspection process is complete, you can let out a huge sigh of relief. Before you can finalize your home buying process, you will need to initiate a few pre-closing responsibilities. These include staying in control of your credit and finances, keeping in touch with your agent and lender, reviewing all paperwork, conducting your final walk-through of your home with your agent and communicating with your home insurance company and lender that you have the certified funds, settlement statement and evidence of insurance prior to closing. Begin your home search now!

You've made it! But not without the help of a licensed real estate agent. We would love the opportunity to work with you from beginning to end in finding your dream home. Contact Team Kristen Schramme now! CALL 210-482-3298