Step Two--Get qualified 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. Sharon believes that it is also important that you feel comfortable with the Loan Originator and Loan Processor, because these are 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 you know before you start looking what your final mortgage payment will be. Sharon is happy to offer you a list of Mortgage Lenders.
Now it is time to chart your personal course depending on your individual real estate goals and timeline. If you need to close in 30 days,the stragedy will be different than if you are still under lease for another 6 months. Whatever your situation, Sharon can help you clarify your goals and outline your journey.
Step Four--Locate your home
Your search begins with an extensive look into the homes currently on the market including For Sale By Owners. If Sharon's daily search of new listings does not locate your new home, rest assured she 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 the extra mile for her clients. She helps you search for a home as she would search for her own home.
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, while consistently looking out for your best interests.
There are several things to keep in mind during the negotiation process. Sharon is negotiating all the time and will give you her best advice. 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 legal signature.
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.
The day of closing or the day before, one more trip to the house to do a final walk-through is a wonderful idea.
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.
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.