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Laurie Cooper

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Buying a Home

Buying a home is probably the biggest investment you will ever make, with long-term financial ramifications. Whether you are a first time buyer, move up buyer or an investor, it calls for many informed decisions.

How We Can Help

 

Steps To Successful Home Buying

Step #1: Get Pre-Qualified

Most buyers need to finance their home purchase, and a consultation with a mortgage lender is a crucial step in the process. Find out how much you can afford before you begin your home search. We will put you in touch with our preferred Lender who can walk you through this entire process.

Step #2: Look At Homes

A quick search on our site will bring up thousands of homes for sale.  Educating yourself on your local market and working with us can help you narrow your priorities and make an informed decision about which home to choose. While no one can know for sure what will happen to housing values, if you choose to buy a home that meets your needs and priorities, you’ll be happy living in it for years to come.

Step #3 Make An Offer

While much attention is paid to the asking price of a home, a proposal to buy includes both the price and terms. In some cases, terms can represent thousands of dollars in additional value—or additional costs—for buyers. We will conduct a detailed Market Analysis of the homes you are interested in before you make an offer, and negotiate the best possible terms for you.


Step #4: Sign A Contract That Protects You

We will make sure that the contract you put on a house allows you to arrange financing, inspect the home and negotiate any problems that you uncover. Ensuring that the contract you sign will minimize any potential legal battles.

Step #5: Get A Quality Home Inspection

Although it is hard to believe, more people pay for inspections before buying used cars than when making the biggest investment of their lives - their homes. Paying for a qualified home inspection before you buy a home isn't just spending "a little extra" for peace of mind; it's absolutely essential for anyone who doesn't want to spend thousands of dollars for repairs. We will help you arrange for a quality home inspection and will attend the inspection with you.

Step #6: Peace Of Mind: Home Protection Plans

You’ll probably want to consider a home protection plan.  A home warranty, or home protection plan, is a service contract, normally for one year, which protects homeowners against the cost of unexpected repairs or replacement of their major systems and appliances that break down due to normal wear and tear. The cost of the plan is a negotiable item in the contract.

Step #7: Final Walk Through

Prior to closing, we will arrange for a final walk through of the property to assure that its condition has not changed materially since the purchase and sale agreement was signed.

Step #8: The Closing

In Georgia, the closing takes place at an Attorney’s office. The Attorney represents the Lender in the transaction and will make sure that title to the property is transferred from the seller to the buyer. The buyer receives the keys, and the seller receives payment for the home. From the amount credited to the seller, the closing agent subtracts money to pay off the existing mortgage and other transaction costs. Deeds, loan papers, and other documents are prepared, signed, and filed with the County . We will make sure to review the settlement statement prior to closing and attend the closing with you to make sure that there are no surprises and all goes well.

Step #9: Handing Over The Keys –

You’ve done it. You’ve looked at properties, made an offer, obtained financing and gone to closing. The home is yours!

Please remember that the papers you received at settlement are extremely valuable, so hold on to them! In the short-term they can help establish tax deductions for the year in which the property was purchased. In the future such papers will be important for tax purposes when the property is sold, and in some cases, for calculating estate taxes.

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