Buying or selling a home? Metro Properties can help.

Buying a home intimidates most people. However, with some planning ahead of time, it's not that hard. So they'll know exactly what to expect, I will provide buyers with an overview of the whole deal. Here are my nine steps to buying a home. When you're ready to get started, you can contact me here or e-mail me at . I'm happy to answer any questions you have regarding this information.

Step 1 – Prepare to purchase
There are several things you need to do before you start searching for a home. When you start your search, you'll want to put together a list of must-have features, get a feeling for what neighborhoods you want to live in, and begin planning around your budget. Ensuring your mortgage payment is less than or close to a third of your net monthly income is a good principle to adhere to.

Step 2 – Speak with a real estate agent
This is where Metro Properties comes in. We'll set up a time to get together so we can talk about your real estate needs and get an idea of your plans for the future. We'll discuss neighborhoods, school districts in the Naples area, the mortgage industry, and any other economic factors that could affect your purchase today or in the future.

I'll also assist you in getting started on your loan. There are some very good mortgage professionals in Naples, and I work with a lot of them, so you'll be in great hands. They'll assist you in figuring out which kind of loan is best for you and help you get approved.

Step 3 – Start looking for a home
Following our initial meeting, I'll start looking for houses on the market that best suit you. I'll get a sneak peek of most of the homes and throw out the bad ones, and then we'll set up appointments to view the homes at a time that's convenient for you.

As we view homes, I'll identify good features and bad ones. I'll even ask you to point out what things you like and don't like. It's pretty common for buyers to amend their list of must-haves as we tour homes and some features become far more important than others. If such is the case, I'll look through the listings once again and narrow it down to the house you've been wishing for.

Step 4 – Know the market
My awareness of the Naples housing market is an imperative factor in your home search. I'm mindful of all the neighborhoods and schools, and I will alert you to what areas are "hot" and call for immediate action and some that are "cool" and allow for cautiousness.

When we view houses, I'll make sure to communicate when the asking price has room for negotiation and when I think the home is "priced to sell." When working with an agent, be on guard and make sure you ask a lot of questions. Every real estate agent in Naples will tell you they truly know the home market. If it appears they don't know everything, just call me at 866-300-1550 or e-mail me at , and I'd be glad to answer any questions you might have. My market knowledge will keep you a step ahead throughout the entire process.

Step 5 – Find your dream house
I'm sure we'll find your dream house in Naples. When that happens, I'll meticulously create your purchase offer. The offer will be tailored keeping your needs in mind and the home, including many contingencies, such as obtaining financing, completing the home inspection, and a clear title.

Upon presenting your purchase offer, you'll need to submit "earnest money." This is a cash deposit made to the home seller to secure an offer to purchase the property, and it's often applied to the cost of closing. If your offer is accepted, we should close on the home about 30 to 60 days afterward. This allows enough time for your mortgage financing.

Step 6 – Negotiate
A lot of contracts don't close on the beginning offer, and it's widely common to receive a counter offer. But don't let this alarm you. We'll consider whether or not to agree to the counter offer, submit our own counter offer, or decline the seller's offer and go on.

Market circumstances determine how aggressively we negotiate the deal. In addition, we'll work within your financing constraints. And when it's all said and done, we'll assemble a deal that is best for you.

Step 7 – Secure your loan
After the deal is finalized, you'll start working with your lender to close the loan. If you're already pre-approved, this won't take very long at all, but you'll need to keep in close contact with your lender. And I'll sort out all the property information your mortgage lender will need to close the loan.

Step 8 – Close the deal
Your lender will supply you with a Loan Estimate (LE) detailing your closing costs within three days of taking your loan application. You'll get a Loan Estimate (LE) outlining closing costs from your mortgage lender within three days of accepting your application. This estimate rests on the loan amount, and RESPA requirements order that it has to involve all closing costs and be within a narrow range of accuracy. I'll study the estimate and let you know if it all looks all right.

Then we'll close on your home. This will most often happen at a title company or escrow office and is often a smooth and calm affair.

Step 9 – Move in
Congratulations! It's time to move into your new house. Enjoy it. And if you need anything, simply contact me at 866-300-1550 or e-mail me at .

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