Feeling overwhelmed? Not sure where to start? We can help! Use these simple steps to make owning your own home a reality.

1. Getting Started
   
   
   • Find the right Realtor® to work with you
   • Have your Realor® help you prequalify to know what price you can afford
   • Decided what features are important to you
   • View several homes before making your choice on the perfect home
2. Making the Offer
   
   • Instruct your Realtor® to make an offer on the home you choose. This must be done in writing and accompanied by an earnest money check. This contract should include: the purchase price, closing and occupancy dates, and contingencies including inspections and securing financing, and any personal property included in the sale.
   • Once you and the seller have agreed on the terms, immediately apply for financing from the lender of your choice. Make sure to provide all the necessary credit information to the lender. The lender will arrange for a credit report and appraisal of the property and begin processing the mortgage. This can take several weeks, depending on the type of financing.
   • When the loan approval is received, the Realtor® will assemble all the necessary paperwork and see that all title contingencies are met. The Title Company or closing agent will determine what steps the seller must take to provide clear title to the property.
   • You and your Realtor® should do a pre-closing walk-through inspection on the property a few days before closing to make sure there are no outstanding problems.
     
3. Closing the Deal
   
   
   • At the closing you and the seller will meet with the closing agent and the Realtor® involved to sign all the necessary paperwork and finalized the transaction. Afterwards, the documents are finles at the courthouse and appropriate county offices. Typically, possession and closing happen the same day unless other arrangements have been made.

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