Buyers

Unveiling WORKING WITH BUYERS

Understanding Your Needs

Investing in a home is one of the most important decisions you will make . So much more than a roof over your head, your home is where life unfolds and memories are made, all while building a financial foundation for your future. Deciding how you will navigate your journey to homeownership is equally critical to the agent you work with.

As someone who has been in your spot before, I am familiar with what is cycling through your mind, and as a real estate agent, I have mastered the ins and outs of the home buying process. When you work with me, you will benefit from my experience, and together we will work toward making sound, smart decision for your future.

Buyer's Guide

How Buying a Home Works

Buying a home is one of the most exciting milestones of your life. To prepare yourself for this moment, you need to know what to expect during the process. This step-by-step first time buyer’s guide created by your agent will help reduce the stress of buying a home and help you enjoy the journey as much as possible.

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Step 1

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 proper ties.
  • Review market averages.
  • Complete needs assessment.
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Step 2

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.
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Step 3

FIND YOUR NEW HOME

  • Compare home and neighborhood averages, then narrow down the neighborhoods you want to live in.
  • Schedule home tours and plan an itinerary with your agent.
  • Decide on your dream home.
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Step 4

MAKE YOUR OFFER / NEGOTIATE

  • Review contract terms and time limit for the offer.
  • Negotiate purchase price.
  • Choose a title company.
  • Shop home insurance options.
  • Prepare for down payment, and earnest money.
  • Choose a target closing date.
  • Sign the offer.
  • Deliver escrow check.
  • Stay in close contact with your agent.
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Step 5

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 home inspection and negotiate repairs.
  • Acquire a property disclosure from the seller.
  • Order an appraisal.
  • Neutralize contingencies.
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Step 6

BEFORE YOU CLOSE

  • Transfer funds for closing.
  • Reserve a moving company and set a moving date.
  • Change your address through USPS, your bank etc.
  • Set up your utilities to be activated or transferred.
  • 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.
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Step 7

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.
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Step 8

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!

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Real Estate Expertise with Proven Results

Sanja's proven negotiation, presentation, and marketing expertise empowers her to achieve outstanding results for clients selling, buying, or renting properties. Contact Sanja today to discuss your real estate goals.

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