Are you buying your home in West Palm Beach? J. Briann Realty Group, Inc. can help.

Purchasing a home is stressful for many people. However, with a bit of planning ahead of time, it's not too complicated. So they understand exactly what to expect, I like to furnish buyers with a road map of the whole deal. Here are my nine steps to buying a home. When you're ready to get started, you can contact me here or e-mail me at . I'm happy to address questions you have regarding this information.

Step 1 – Prepare to purchase
There are several things you need to contemplate before beginning your home search. You'll want to form an index of features you need, plan for what school districts and neighborhoods you'd like to live in, and begin working on your budget. A good guideline to go by is that your mortgage payment should be around 30 percent of your monthly income.

Step 2 – Communicate with a real estate agent in West Palm Beach
This is where J. Briann Realty Group, Inc. comes in. We can set up a time to get together so we can talk about why you want to buy a home and get an idea of your upcoming plans. We'll talk about the mortgage industry, other economic factors that may affect your buying decision today or in the future, as well as neighborhoods and school districts in the West Palm Beach area.

I'll also help you start the loan process. J. Briann Realty Group, Inc. works with some of West Palm Beach's best mortgage professionals, so you'll be in great hands. They will help you decide which type of loan is best for you, as well as help you get approved.

Step 3 – Begin house-hunting
Following our initial meeting, I'll start finding available houses on the market that are a great fit for you. I'll preview many of the houses and exclude the bad ones, and then we'll book appointments to view the houses whenever it's most convenient for you.

As we view houses, I'll call attention to positive features and bad ones. I'll even ask you to talk about things you like and don't like. It's common for buyers to change their list of must-haves as we view houses and some features become more essential than others. If that's the case, I'll look through all the listings once more and trim it down to the house you've been waiting for.

Step 4 – Know the housing market
My awareness of the West Palm Beach home market is a leading agent in your home search. I'm conscious of all the neighborhoods and schools, and I can communicate certain neighborhoods are "hot" and call for immediate action and others that are "cool" and allow for cautiousness.

As we view houses, I'll be sure to tell you if the list price has room for bargaining or if I believe the house is "priced to sell." When working with an agent, be on guard and make sure you ask a lot of questions. Any REALTOR will tell you they truly understand the home market. If it seems like they don't know everything, just call me at 561-688-1316 or e-mail me at , and I'll be happy to answer any questions you may have. My market expertise will keep you a step above the rest throughout the entire deal.

Step 5 – Find the house of your dreams
I know we'll find the house of your dreams in West Palm Beach. When we do, I'll precisely develop your purchase offer. The offer will be tailored exactly to your needs and the home, including a lot of contingencies, such as getting financing, completing the inspection, and a clean title.

Upon turning in your offer, you'll likely need to submit "earnest money." This is a cash deposit given to the home seller to secure an offer to purchase the property and is typically put towards the cost of closing. If the offer is accepted by the seller, we should close about 30 to 60 days afterward. This allows enough time for your mortgage financing.

Step 6 – Negotiate the deal
A lot of contracts aren't closed on the first offer. It's really common to receive a counter offer. Don't let this alarm you. We'll talk over whether or not to agree to the counter offer, propose our own counter offer, or decline the seller's offer and move on.

How aggressively we negotiate the contract depends on market circumstances. We'll also work within your budget. And at the end of the day, we'll formulate a deal that works well for you.

Step 7 – Secure a loan
Upon signing the contract, you'll start working with your lender to close the loan. If you're pre-approved, this shouldn't take much time at all. However, you should to stay in close contact with your lender. And I'll look after all the property information your mortgage lender needs to close the loan.

Step 8 – Close the deal
Your lender will supply you with a Loan Estimate (LE) outlining closing costs within three days of getting your application. You'll get a Loan Estimate (LE) of your closing costs from your lender within three days of receiving your application. The estimate is formed from the loan amount. RESPA requirements require that it has to contain all closing costs and be within a narrow range of accuracy, and I'll go over the estimate and let you know if everything looks good.

Then it's time to close on your home. This will most likely take place at a title company or escrow office and should be a smooth and relaxed occasion.

Step 9 – Move in
Congratulations! Now you can move into your new home. Enjoy it. And if you need anything, just call me at 561-688-1316 or e-mail me at .

Looking to Buy?

Are you looking to buy a house? Let us help you. Just fill out as much of the information below that you want and we'll get right back to you, with no obligation to you. We guarantee your privacy.

Your Information
Some Details
By checking the box, you agree that J. Briann Realty Group, Inc. may call/text you about your inquiry, which may involve use of automated means and prerecorded/artificial voices.. Message/data rates may apply.