The Buying Process

First, we will connect for an initial consultation to discuss what you are looking for in your next home so we can help guide your search.

If you are obtaining financing, getting a pre-approval letter from a lender before submitting an offer is important because it shows you are more likely to meet the proposed settlement date. A pre-approval letter and a good faith estimate from a lender will also give you insight into the projected down payment, closing costs, and expected monthly payment.

Listening to your wants and needs, we will activate a Compass Collection, or specialized search for properties. Through this tool, we’ll be able to actively communicate about properties as they hit the market or become available as a Compass Private Exclusive listing, to better narrow your search. Together, we will tour properties, and further identify your ideal home's location and amenities, etc., until we find a home you love.

Your contract is the agreement between you and the seller to purchase the property for a specific price. Also defined in the contract of sale is the settlement company, date of settlement, and earnest money deposit amount. Our in-house transactions team will guide you through this process to ensure you meet all contingencies and terms agreed to in the offer. They will work with the title company to facilitate all title work and settlement details to assist you through closing.

If you are obtaining financing, your lender will let you know the list of financial documents necessary to provide to the lender, including a couple months of bank statements, tax records, pay stubs etc. Typically, you will have a mortgage contingency of the agreed upon length to obtain a mortgage commitment. Once your lender has all of your documents, they will review them and issue a Clear-to-Close, which means your loan is complete and the file will be sent to the title company for closing. Your lender will have an appraisal done on the property.