Buyers

Buying a home is an exciting and complex adventure. It can also be a very time-consuming and costly one if you’re not familiar with all aspects of the process and don’t have all the best information and resources at hand. One of my specialties is representing the best interests of Metuchen area buyers throughout the home buying process. My comprehensive, high-quality services can save you time and money, as well as make the experience more enjoyable and less stressful. If you’re like most people, buying a home is the biggest investment you will ever make. So whether you’re buying a starter home, your dream home or an investment property, why not take advantage of my experience as a local market expert for Metuchen to make the most informed decisions you can, every step of the way?

HOW BUYING A HOME WORKS

Partner with an agent 
– Absorb their local insight
– Get to know neighborhood inventory levels
– See what’s about to hit the market
– Gain access to off-market properties
– Review market averages
– Complete needs assessment

Get Pre Approved for a Loan 
– Understand what you can afford
– Determine your monthly mortgage payment
– Understand your debt ratio
– Prepare for escrow
– Obtain a pre-approval letter

Find Your New Home
– Compare home and neighborhood averages, then narrow it down
– Favorite homes and save them to collections
– Nix homes that don’t meet the mark
– Schedule home tours and plan an itinerary with your agent
– Decide on your dream home

Make Your Offer and Negotiate the Terms
– Review contract terms and time limit for offer
– Negotiate purchase price
– Choose a title company
– Shop home insurance options
– Prepare for the down payment, earnest money
– Choose a target closing date
– Sign the offer

Under Contract
– Secure a home loan
– Acquire home insurance and send proof to your lender.
– Request a list of what conveys with the property
– Schedule a home inspection and negotiate repairs
– Acquire a property disclosure from the seller
– Order an appraisal
– Neutralize contingencies. Input any contingencies that may be specific to your area
– Conduct a title search
– Choose your title company
– Schedule your closing
– Solidify both contract effective and allowable move-in dates
– Certify funds for closing
– Stay in close contact with your agent, lender, and title company

Before You Close
– Transfer funds for closing
– Reserve a moving company and set a moving date
– Change your address through USPS, your bank, and other instances
– Set up your utilities to be activated or transferred
– Confirm that all contingencies are resolved
– Schedule the final property walk-through
– Designate a safe, dedicated space to save your final paperwork
– Stay in close contact with your agent, lender, and title company

Closing Day: What to Bring
– Connect with your lender to wire down payment funds. You’ll need to cover the cost of closing and the down payment.
– Bring a printed confirmation of your wire transfer
– Government-issued Photo ID(s)
– Social Security numbers
– Home addresses from the last 10 years
– Proof of homeowner’s insurance
– Your copy of the contract
– Your checkbook

Closing Day
– Sign closing disclosure, promissory note, and all other documentation
– Title transfer
– Deed delivery
– Save your paperwork in your pre-designated spot

GET YOUR KEYS! CONGRATS, IT’S ALL YOURS!