Let J. Briann Realty Group, Inc. help you with buying your new home in West Palm Beach

With some up-front planning, buying a home isn't all that hard, but the event is intimidating for a lot of people. I like to furnish buyers with an outline of the entire deal so they know exactly what they can expect. Here are my nine steps to buying a home. Should you have any questions regarding this information or if you're ready to get started, simply contact me here or e-mail me at .

Step 1 – Get ready to purchase
Before you begin your home search, there are many things you'll want to consider. You'll probably want to put together a check list of items you want to have, get a plan of what neighborhoods and school districts you'd like to live in, and start planning your budget. Ensuring your mortgage payment is less than or around 30 percent of your net monthly income is a good rule to adhere to.

Step 2 – Connect with a real estate agent in West Palm Beach
This is where I come in. I'd love to plan a time to meet with you and communicate with you regarding why you want to buy a home and get an idea of your future plans. We'll discuss everything from neighborhoods, schools in the West Palm Beach area, the mortgage industry, to any other economic factors that might affect your buying decision today or in the future.

I'll also help you begin the loan process. J. Briann Realty Group, Inc. partners with some of the best mortgage professionals in West Palm Beach, so you can rest assured that you're in great hands. They'll assist you in choosing which type of loan is best for you and help you get qualified.

Step 3 – Begin house hunting
Following our initial meeting, I'll begin finding houses on the market that best suit you. I'll research many of the houses and remove the bad ones, and then we'll schedule appointments to tour the homes whenever it's convenient for you.

When we tour homes, I'll call attention to positive features and negative ones. I'll also ask you to point out what things you like and dislike. Generally, buyers amend their list of must-haves as we view homes and some things become more crucial than others. If that's the situation, I'll look through all the listings again and trim it down to the house you've been dreaming about.

Step 4 – Get a grasp of the market
My understanding of the West Palm Beach market is a crucial aspect in your home search. I am mindful of all the school districts and neighborhoods, and I can alert you to which neighborhoods are "hot" and require prompt action and others that are "cool" and allow for thoughtful analysis.

As we view houses, I'll let you know when the seller's list price has room for bargaining and also when I know the home is "priced to sell." Every real estate agent in West Palm Beach will claim to truly know the home market, but be on guard, and make sure you ask your agent plenty of questions. If it appears they don't know everything, call me at 561-688-1316 or e-mail me at , and I'll be happy to answer any questions you have. My understanding of the market will help you stay a step ahead through the entire process.

Step 5 – Find the house you've been waiting for
I'm confident we'll find the home of your dreams in West Palm Beach. When we do, I'll thoroughly develop your real estate purchase offer. The offer will be made to fit your needs and the home. We'll include many contingencies, such as obtaining financing, finishing the inspection, and a clear title.

When sending in your purchase offer, you'll probably want to submit "earnest money." This is a cash deposit given to a seller to secure an offer to purchase the property. The amount is typically applied to the cost of closing. If the seller accepts your offer, we should close about 30 to 60 days after. This allows sufficient time for your mortgage financing.

Step 6 – Negotiate
A lot of deals don't close on the first offer, and it's very common to receive a counter offer. But don't let this discourage you. We'll consider whether or not to consent to the counter offer, propose our own counter offer, or refuse the seller's offer and move on.

How aggressively we negotiate the deal depends on market circumstances. In addition, we'll work within your budget. And when it's all said and done, we'll put together a deal that's best for you.

Step 7 – Get your loan
Once the deal is finalized, you'll begin working with your mortgage lender to close the loan. This won't take very long at all if you're pre-qualified, but you should to keep in close contact with your lender. And I'll take care of all the property information your mortgage lender will need to close the loan.

Step 8 – Close the deal
Your mortgage lender will furnish you with a Loan Estimate (LE) outlining closing costs within three days of accepting your application. You'll get a Loan Estimate (LE) of closing costs from your lender within three days of accepting your loan application. This estimate depends on the loan amount. RESPA requirements order that it has to include all closing costs and be within a close range of accuracy, and I'll analyze the estimate and let you know if everything looks okay.

Then we'll close on your house. This will most likely take place at a title company or escrow office and will probably be a smooth and hassle-free occurrence.

Step 9 – Move in
Congratulations! It's time to move into your new house. Enjoy it. And if you need anything, be sure to contact me at 561-688-1316 or e-mail me at .