Beginning the home buying process can feel overwhelming.
At the Carney and Dement team, we like to make the process seamless. We’ll work together to make each step as simple and easy as possible.
We broke it down into these 8 steps:
Let’s get to know each other! We’ll sit down, talk through the process of buying a home with us, and discuss your dream home.
Getting pre-qualified is the beginning of the mortgage process. You supply a bank or lender with a financial summary that includes debt, income, and assets. From there you will get an approximation of the mortgage you will qualify for.
Getting pre-approved is the next step in the process. Once you get pre-approved the lender will tell you the specific mortgage amount you are approved for.
You’ll get notifications about the listings that you’re most likely to be excited about. Be sure to let us know if one (or more) jumps out at you so that we can move on to the next step and schedule a viewing.
This is when the buying process gets really fun! We’ll go to open houses and schedule viewings from the listing alerts you loved. We’ll make sure that we find you the perfect home.
A little scary, but very exciting! Three things can happen when putting in an offer on a house: the offer is accepted, it’s rejected, or you get a counteroffer. We’ll walk you through each of those possibilities and how to handle them. When the offer is accepted, it’s time to get your financing in order and move forward to the next step!
The sellers accepted your offer, and the home is going through appraisal and inspection. These are the last steps before you get the keys to your home! The appraisal guarantees that the price of the home matches the condition of the home. The inspection makes sure that everything in the home is functioning properly and there are no major issues inside.
It’s time to dot the i’s and cross the t’s because you’re closing on your home! This process includes going through all of the final paperwork and finally signing. Remember to bring all of the paperwork you’ve collected along the way and your down payment.
Grab a bottle of champagne and toast to your new home! Congratulations, you’re a homeowner!
Are you ready to take the first step? Click here!