| Two Agents... One Goal... Make your real estate dreams come true! |
Karin Provencher
(603) 860-9464
Claire Samara
(603) 289-1010
(603) 860-9464
Claire Samara
(603) 289-1010
Steps to buying a home...
Initial Meeting: This is an important visit for several reasons. There are many towns that comprise the Greater
Manchester Area and it helps to get a familiarity with them. We go over the role of a Buyer's Agent, and the
representation it entails. If the research isn't done beforehand of homes we'll be viewing, then this is the time
to do it together at the computer. Clients can see for themselves whether or not the criteria they have (or wish to
have) actually is available. If not, we can tweak it to come close! After we've refined the search, the
appointments get made! We can also go over what it takes to present an offer, such as having a
pre-qualification letter to accompany it and what our contract consists of. Even if a buyer is a seasoned one,
having sold multiple properties in the past, if he/she is coming from another area, terminology and methods
may be different here.
Financing: When we're ready to make an offer on a property, a pre-qualification letter from the lender is
necessary to accompany it. Therefore, it's important to start this process first, sometimes even before looking
at properties. A second benefit is that the buyer will know beforehand exactly what they're qualified to buy, what
issues might need to be addressed, items might be needed to be ready when applying for the loan, etc. See
our related services page on this website to get pre-approved today our recommended loan officers have
access to many programs and can counsel and guide a buyer as to the most advantageous and appropriate
one for their needs. There are a number of tax advantages available for most American homeowners, but to
benefit, you have to understand them, and report them properly to IRS. See Realty Times article, "It's Tax Time
Again!"
Offer: Once we've found just the right house and are ready to make the offer. It shouldn't be a scary thought
because we will have done our homework. The first thing we do is to check the comparable home sales in the
area to see if this home is priced fairly, and how it relates to others similar to it that have sold. When we're
comfortable with what we will be offering, we begin to fill in the blanks of the New Hampshire Sales Contract.
We go over this contract very carefully, so that each paragraph is understood along with the accompanying
disclosures. There are provisions for a Home Inspection and any other inspections the buyer may elect. The
day before closing, there is a final walk though to make sure all is as it was when inspected, or if any repairs
that were requested have been completed.
Once we have an accepted offer. What's next? We have 10 - 14 days in which to do a Home Inspection. We both
attend because you will learn much about the mechanisms of the home. Any repairs will be requested in
writing immediately to the sellers agent.
Next... A title company is chosen they will coordinate the closing, receive funds from the buyer and/or any
lender, prorates insurance, taxes, rents, homeowner association fees, etc., disburses funds for title insurance,
recording fees, real estate commissions, lien clearance, etc, prepares a final statement for each party,
indicating amounts to be disbursed for services and any further amounts necessary to close escrow, records
deed and loan documents, delivers the deed to the buyer, loan documents to the lender and funds to the seller.
This is the time to be in touch with the lender to provide whatever is necessary for the final loan documents, for
the seller to take care of any requested repairs, and for the lender to go through the underwriting process.
As a buyer, you will want to arrange for the utilities to be turned on when the seller's is turned off. Don't forget to
have the phone company ready to turn on your new service as well. Make sure all magazines, bills, and family
and friends, have your new address! Anything related to school registration should also be done well in
advance. Moving preparations should be made as soon as you know the offer is approved.
Closing!
The closing is almost always done at the title company with the buyer an seller present typically. The recording
of the deed, is considered the actual "closing". Buyers (and sellers) and their agents will be given a settlement
statement, showing the closing costs beforehand, so there are no surprises, and the buyer will know exactly
how much his cashiers check should be. Your loan officer will have gone over the final closing costs involved
with the closing as well just prior to closing. We will attend the final walk through and closing with you.
Manchester Area and it helps to get a familiarity with them. We go over the role of a Buyer's Agent, and the
representation it entails. If the research isn't done beforehand of homes we'll be viewing, then this is the time
to do it together at the computer. Clients can see for themselves whether or not the criteria they have (or wish to
have) actually is available. If not, we can tweak it to come close! After we've refined the search, the
appointments get made! We can also go over what it takes to present an offer, such as having a
pre-qualification letter to accompany it and what our contract consists of. Even if a buyer is a seasoned one,
having sold multiple properties in the past, if he/she is coming from another area, terminology and methods
may be different here.
Financing: When we're ready to make an offer on a property, a pre-qualification letter from the lender is
necessary to accompany it. Therefore, it's important to start this process first, sometimes even before looking
at properties. A second benefit is that the buyer will know beforehand exactly what they're qualified to buy, what
issues might need to be addressed, items might be needed to be ready when applying for the loan, etc. See
our related services page on this website to get pre-approved today our recommended loan officers have
access to many programs and can counsel and guide a buyer as to the most advantageous and appropriate
one for their needs. There are a number of tax advantages available for most American homeowners, but to
benefit, you have to understand them, and report them properly to IRS. See Realty Times article, "It's Tax Time
Again!"
Offer: Once we've found just the right house and are ready to make the offer. It shouldn't be a scary thought
because we will have done our homework. The first thing we do is to check the comparable home sales in the
area to see if this home is priced fairly, and how it relates to others similar to it that have sold. When we're
comfortable with what we will be offering, we begin to fill in the blanks of the New Hampshire Sales Contract.
We go over this contract very carefully, so that each paragraph is understood along with the accompanying
disclosures. There are provisions for a Home Inspection and any other inspections the buyer may elect. The
day before closing, there is a final walk though to make sure all is as it was when inspected, or if any repairs
that were requested have been completed.
Once we have an accepted offer. What's next? We have 10 - 14 days in which to do a Home Inspection. We both
attend because you will learn much about the mechanisms of the home. Any repairs will be requested in
writing immediately to the sellers agent.
Next... A title company is chosen they will coordinate the closing, receive funds from the buyer and/or any
lender, prorates insurance, taxes, rents, homeowner association fees, etc., disburses funds for title insurance,
recording fees, real estate commissions, lien clearance, etc, prepares a final statement for each party,
indicating amounts to be disbursed for services and any further amounts necessary to close escrow, records
deed and loan documents, delivers the deed to the buyer, loan documents to the lender and funds to the seller.
This is the time to be in touch with the lender to provide whatever is necessary for the final loan documents, for
the seller to take care of any requested repairs, and for the lender to go through the underwriting process.
As a buyer, you will want to arrange for the utilities to be turned on when the seller's is turned off. Don't forget to
have the phone company ready to turn on your new service as well. Make sure all magazines, bills, and family
and friends, have your new address! Anything related to school registration should also be done well in
advance. Moving preparations should be made as soon as you know the offer is approved.
Closing!
The closing is almost always done at the title company with the buyer an seller present typically. The recording
of the deed, is considered the actual "closing". Buyers (and sellers) and their agents will be given a settlement
statement, showing the closing costs beforehand, so there are no surprises, and the buyer will know exactly
how much his cashiers check should be. Your loan officer will have gone over the final closing costs involved
with the closing as well just prior to closing. We will attend the final walk through and closing with you.
| GET PRE-APPROVED CALL: Rob Gibbons Loan Officer Direct: 603-321-5473 Office: 800-668-9695 x 32 |
Karin & Claire
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Karin Provencher ~ Claire Samara ~ Better Homes & Gardens Real Estate ~ Manchester NH ~ (603) 860-9464 / (603) 289-1010