Buying your home in Palm Harbor with Bradshaw & Bradshaw Realty Services

Purchasing a home intimidates a lot of people, but with a little up-front planning, it isn't that complicated. So they understand exactly what they can expect, I'll provide buyers with an overview of the whole deal. Here are my nine steps to buying a home. If you have any questions regarding any of this information or if you're prepared to get started, you can contact me here or e-mail me at .

Step 1 – Get ready to purchase
There are several things you'll want to do before starting your home search. When you begin your search, you'll want to create a list of features you need to have, plan for what neighborhoods you'd like to live in, and begin planning around your budget. Keeping your mortgage payment less than or around a third of your net monthly income is a good rule of thumb to adhere to.

Step 2 – Connect with a real estate agent in Palm Harbor
This is where I can help. I'd be more than happy to schedule a time to meet with you and communicate with you about your real estate needs and get an idea of your plans for the future. We'll talk about 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 Palm Harbor area.

In addition, I'll help you facilitate the loan process. There are some excellent mortgage professionals in Palm Harbor, and I work with a lot of them, so you're in great hands. They can assist you in choosing which type of loan is best for you and help you get qualified.

Step 3 – Begin your search
After our initial meeting, I'll start finding homes on the market that are great for you. I'll preview many of the houses and throw out the bad ones, and then we'll schedule appointments to tour the houses at a time that's convenient for you.

When we tour the houses, I'll identify positive features, as well as negative ones. I'll even ask you to tell us about things you like and don't like. It's widely common for buyers to change their must-have list as we view houses and some features become more substantial than others. If such is the case, I'll go back through the listings again and narrow it down to the house you've been dreaming about.

Step 4 – Comprehend the market
My understanding of the Palm Harbor market is a leading element in your home search. I am mindful of all the school districts and neighborhoods, and I'll alert you to some districts are "hot" and warrant immediate action and others that are "cool" and allow for thoughtful consideration.

As we tour homes, I'll make sure to communicate if the seller's asking price has room for bargaining or if I believe the home is "priced to sell." When working with an agent, be on guard and be sure to ask a lot of questions. Every real estate agent in Palm Harbor will tell you they know the home market. If it appears they don't know everything, just call me at 7274171290 or e-mail me at , and I'll be happy to answer any questions you might have. My market knowledge will keep you a step ahead through the entire process.

Step 5 – Find the house of your dreams
I'm positive we'll find the home of your dreams in the Palm Harbor area. When we do, I'll precisely create your purchase offer. The offer will be made to suit your needs and the home. We'll include many contingencies, such as getting financing, finishing the inspection, and a clear title.

Upon presenting your offer, you'll probably want to present "earnest money." This is a cash deposit made to a home seller to secure the offer to buy the property. The amount is typically put towards the cost of closing. If the offer is accepted, we should close about 30 to 60 days after. This allows enough time for your mortgage financing.

Step 6 – Negotiate the deal
A lot of deals don't close on the initial offer – it's widely common to receive a counter offer. But don't let this discourage you. We'll talk over whether or not to agree to the counter offer, present our own counter offer, or refuse the seller's offer and move on.

The state of the market determines how aggressively we negotiate the deal. We'll also work within your financing limits. And at the end of the day, we'll put together a contract that is best for you.

Step 7 – Get your loan
After the contract is finalized, you'll begin working with your mortgage lender to close the loan. If you've been pre-approved, it shouldn't take long at all. But you should to stay in close contact with your mortgage lender. And I'll deal with all the property information your lender will need to close the loan.

Step 8 – Close the deal
You'll get a Loan Estimate (LE) detailing your closing costs from your lender within three days of taking your application. The estimate is formed from the loan amount, and RESPA requirements mandate that it has to contain all closing costs and be within a precise range of accuracy. I'll examine the estimate and let you know if it all looks okay.

Then we'll close on your home. This will likely occur at a title company or escrow office and is often a smooth and pleasant occurrence.

Step 9 – Move in
Congratulations! Now you can move into your new house. Enjoy it. And if you need anything, be sure to contact me at 7274171290 or e-mail me at .