Buying or selling a home in Naples? Metro Properties can help.

Buying a home is intimidating for many people, but it isn't that complex with a little up-front planning. So they'll know exactly what to expect, I'll give buyers a road map of the entire deal. Here are my nine steps to buying a home. Should you have any questions about any of this information or if you're ready to get started, you can contact me here or e-mail me at .

Step 1 – Prepare to purchase
There are several things you'll want to do prior to beginning your home search. You'll want to create an outline of must-have features, get an idea of what school districts you want to live in, and start planning around your budget. A good principle to adhere to is that your mortgage payment should be 30 percent of your net monthly income.

Step 2 – Talk to a real estate agent
That's where I can help. We can plan a time to meet so we can talk about why you want to buy a home and get an idea of your future plans. We'll discuss the mortgage and housing industries, other economic factors that might affect your buying decision today or in the future, as well as neighborhoods and schools in the Naples area.

In addition, I'll help you start the loan process. There are some excellent mortgage professionals in Naples, and I partner with a lot of them, so you can rest assured that you're in great hands. They will help you choose which kind of loan is best for you, as well as help you get approved.

Step 3 – Begin your search
After we meet, I'll begin finding houses on the market that best suit you. I'll get a sneak peek of many of the houses and ignore the bad ones, and then we'll schedule appointments to view the homes whenever it's most convenient for you.

When we tour houses, I'll show you the good features, as well as negative ones. I'll also ask you about things you like and don't like. It's common for buyers to revise their wish list as we view homes and some things become more substantial than others. If such is the case, I'll go back through the listings once more and trim it down to the home you've been waiting for.

Step 4 – Understand the market
Your agent's awareness of the Naples housing market is a crucial aspect in your house search. And I assure you I'm familiar with all the schools and neighborhoods, and I'll let you know certain areas are "hot" and demand immediate action and others that are "cold" and allow for more consideration.

As we tour houses, I'll be sure to tell you when the seller's list price has room for bargaining and when I believe the home is "priced to sell." When working with an agent, be on guard and be sure to ask plenty of questions, as every real estate agent in Naples will convince you they truly know the housing market. If things don't add up, contact me at 866-300-1550 or e-mail me at , and I'd be glad to answer your questions. My understanding of the market will keep you a step above the rest throughout the entire deal.

Step 5 – Find the house you've been waiting for
We'll find your dream house in the Naples area, and when we do, I'll carefully create your real estate purchase offer. The offer will be tailored keeping your needs in mind and the home, including a lot of contingencies. A few examples are acquiring financing, carrying out the inspection, and a clear title.

Upon sending in your purchase offer, you'll probably need to present "earnest money." This is a cash deposit submitted to the seller to secure the offer to purchase the property, and it's often applied to the closing costs. If the seller accepts your offer, we should close within 30 to 60 days afterward. This allows ample time for your mortgage financing.

Step 6 – Negotiate the deal
Most deals don't close on the first offer – it's extremely common to receive a counter offer. But don't let this alarm you. We'll talk over whether or not to consent to the counter offer, propose our own counter offer, or decline the seller's offer and go on.

The state of the market will play a vital role in how aggressively we negotiate the deal. We'll also work within your budget. And at the end of the day, we'll create a deal that's best for you.

Step 7 – Get a loan
After the contract is finished, you'll begin working with your lender to close the loan. If you're already pre-approved, it shouldn't be a long process at all, but you'll need to keep in close contact with your mortgage lender. And I'll deal with all the property information your mortgage lender will need to close the loan.

Step 8 – Close the deal
Your lender will give you a Loan Estimate (LE) detailing your closing costs within three days of getting your application. You'll get a Loan Estimate (LE) detailing your closing costs from your mortgage lender within three days of accepting your application. The estimate depends on the loan amount, and RESPA requirements require that it has to include all closing costs and be within a strict range of accuracy. I'll study the estimate and let you know if everything looks okay.

Then it's time to close on your house. This will probably happen at a title company or escrow office and will most likely be a smooth and calm occurrence.

Step 9 – Move in
Congratulations! Now you can move into your new house. Enjoy it. And if you have any questions, just contact me at 866-300-1550 or e-mail me at .

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