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Denver Home Buyers Toolbox
Nine Steps to Buying a Home

Step - 1 Make the Decision to Buy
Professional Real Estate Services in Arvada, Broomfield, Denver, Golden, Lakewood, Northglenn, Westminster, Wheat Ridge and Thornton Colorado. Services include Residential, New & Custom Homes Sales, Land Acquisition, Income/Investment Properties as well as Individual & Corporate Relocation
It seems obvious, but it's good to note that the first step to buying a home is making the decision to buy. Consider the reasons you want a new home and write them down. How long you plan on living in the home? Can you afford a home that will meet your list of requirements? A good rule of thumb is your mortgage payment should not exceed 1/3 of your net monthly income.

Step 2 - Seek Professional Guidance
Professional Real Estate Services in Arvada, Broomfield, Denver, Golden, Lakewood, Northglenn, Westminster, Wheat Ridge and Thornton Colorado. Services include Residential, New & Custom Homes Sales, Land Acquisition, Income/Investment Properties as well as Individual & Corporate Relocation
Our website sponsor - Anthony Rael - is a licensed Colorado real estate broker and is available to discuss any real estate matter FREE of charge & without obligation. Call 303-520-3179 to schedule a time to meet so I can understand the reasons you want to buy a home and your plans for the future. We'll talk about neighborhoods, schools, economic factors that are liable to affect the market today and tomorrow, as well as how you would like your home and neighborhood to grow with you.

During your consultation, Anthony will also help you get pre-qualified for a mortgage loan. Pre-qualification is a written statement from a loan officer indicating his or her opinion that you will be approved for a mortgage loan up to a certain amount. The fact that you are pre-qualified will help us when we are negotiating the deal.

Step 3 - Begin the Hunt
Professional Real Estate Services in Arvada, Broomfield, Denver, Golden, Lakewood, Northglenn, Westminster, Wheat Ridge and Thornton Colorado. Services include Residential, New & Custom Homes Sales, Land Acquisition, Income/Investment Properties as well as Individual & Corporate Relocation
By virtue of landing on this website you're already pro-actively searching for real estate and conducting your own research. Once you get serious about pursuing a home purchase, contact our website sponsor - Anthony Rael or the agent of your choice and they will begin searching all available resources for homes on the market that fit your exact criteria. Your real estate agent will preview these homes in advance to optimize your time. Then, they we'll schedule appointments to tour the homes at times which are convenient to you.

As you tour homes, your real estate agent should point out the positive features and negative features and ask you to for immediate feedback. This process will help you rethink your "wish list" as you tour homes because some things will become more important and others less important. With this new information, your real estate agent refine the search criteria to narrow in on the home of your dreams.

Step 4 - Know the Market
Professional Real Estate Services in Arvada, Broomfield, Denver, Golden, Lakewood, Northglenn, Westminster, Wheat Ridge and Thornton Colorado. Services include Residential, New & Custom Homes Sales, Land Acquisition, Income/Investment Properties as well as Individual & Corporate Relocation
Our website sponsor - Anthony Rael is a Denver native of 42 years and seven-generation Coloradoan, Anthony's knowledge of the area is an essential factor in the search for your new home.  He will let you know when the market in a particular neighborhood is "hot" and requires immediate action or when the market is "cool" and allows more time to consider.

As we tour various homes, I'll let you know when the asking price has negotiating room and when the house is "priced to sell". My unique market knowledge and negotiating skills will keep you a step ahead of the "house hunting competition".

In a "seller's market". It is not unusual to see multiple offers on a property, full-price offers and even above-price offers. On the flip side, during a "buyer's market" there are more homes for sale than buyers. This gives us more negotiating room as homes are taking longer to sell.

Step 5 - Finding Your Dream House
Professional Real Estate Services in Arvada, Broomfield, Denver, Golden, Lakewood, Northglenn, Westminster, Wheat Ridge and Thornton Colorado. Services include Residential, New & Custom Homes Sales, Land Acquisition, Income/Investment Properties as well as Individual & Corporate Relocation
We're confident you'll find your dream home!  And when you do, your real estate agent will put together a purchase offer tailored for your exact needs including appropriate contingencies (such as obtaining financing, home inspections, clear title, etc.).

The purchase offer is normally presented with "earnest money". This is a cash deposit made to a home seller to secure an offer to buy the property. The amount is applied to closing costs. If the seller accepts the offer, generally closing is held 30 to 60 days from the offer date (generally dependent on the turn around time of your mortgage financing).

Step 6 - Negotiate the Deal
Professional Real Estate Services in Arvada, Broomfield, Denver, Golden, Lakewood, Northglenn, Westminster, Wheat Ridge and Thornton Colorado. Services include Residential, New & Custom Homes Sales, Land Acquisition, Income/Investment Properties as well as Individual & Corporate Relocation
It is not uncommon to receive a counter offer once our initial purchase offer is submitted, so don't let this discourage you.  Discuss the counter offer with your Realtor and decide whether or not to accept the counter offer, submit our own counter offer, or reject the counter offer and find another home.

Market conditions will play a role in how aggressively we negotiate the deal. We will also work within your limits. Emotions can lead to buyer's remorse. It is better to set limits prior to negotiating an offer and stick to these limits.

Step 7 - Securing a Loan
Professional Real Estate Services in Arvada, Broomfield, Denver, Golden, Lakewood, Northglenn, Westminster, Wheat Ridge and Thornton Colorado. Services include Residential, New & Custom Homes Sales, Land Acquisition, Income/Investment Properties as well as Individual & Corporate Relocation
During the closing period, you will be working closely with a mortgage lender/broker of your choice to close the loan as quickly as possible. Since you pre-qualified for the loan before starting your home search, you will be that much closer to the end. Your real estate agent will gather the necessary property information your lender will need to close the loan.

Step 8 - Closing the Deal
Professional Real Estate Services in Arvada, Broomfield, Denver, Golden, Lakewood, Northglenn, Westminster, Wheat Ridge and Thornton Colorado. Services include Residential, New & Custom Homes Sales, Land Acquisition, Income/Investment Properties as well as Individual & Corporate Relocation
You will receive a "Good Faith Estimate" of closing costs at the time the loan application is submitted to the lender. The estimate is based on the loan officer's past experience and may not include all the closing costs. Our website sponsor - Anthony Rael - will be glad to review the "Good Faith Estimate," answering questions and highlighting missing costs and estimates.

Step 9 - Move In
Professional Real Estate Services in Arvada, Broomfield, Denver, Golden, Lakewood, Northglenn, Westminster, Wheat Ridge and Thornton Colorado. Services include Residential, New & Custom Homes Sales, Land Acquisition, Income/Investment Properties as well as Individual & Corporate Relocation
Congratulations! It's time to move into your new home. Enjoy this exciting time.  Your real estate agent should provide you a checklist to help you remember the numerous details that will make your moving day a pleasure.

 

RETURN TO HOME BUYERS TOOLBOX

If you require a more specific information on a property ASAP
contact Anthony Rael, REMAX Alliance at (303) 520-3179

 


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