Buying Real Estate in the Greater Binghamton Area
- Experienced sales agents looking out for your best interest
- Local knowledge and community involvement with an understanding of current market trends
- Featured properties from motivated sellers
- Access to hundreds of listings in your local market - 24 hours a day
- Save your favorite listings online for easy viewing
- High resolution photos of the properties you want to see
- Professional help on your terms. We'll work with any schedule
HOME-BUYING TIMELINE:
- GET "PREQUALIFIED" BY A LOCAL LENDER. COMPARE CLOSING COSTS WHICH CAN VARY WIDELY FROM LENDER TO LENDER.
- NOW THAT YOU KNOW WHAT YOUR BUDGET CAN AFFORD, FIND A BUYER'S AGENT TO REPRESENT YOUR INTERESTS IN YOUR PURCHASE. ASK FRIENDS OR FAMILY FOR RECOMMENDATIONS. LOOK FOR FULL-TIME AGENTS WHO HAVE EARNED DESIGNATIONS SUCH AS THE CRS OR GRI DESIGNATION.
- HAVE YOUR BUYER'S AGENT SET YOU UP ON AN AUTOMATED SEARCH CLEARLY DEFINING YOUR CRITERIA. BE PICKY, BUT ALSO BE REALISTIC.
- VISIT OPEN HOUSES TO SEE WHAT YOU GET FOR THE MONEY.
- TOUR OTHER HOMES WITH YOUR BUYER'S AGENT.
- WHEN YOU FIND HOME YOU LIKE, PLACE AN OFFER WITH YOUR AGENT. YOU MAY NEED TO NEGOTIATE DOLLAR AMOUNT AND OR TERMS YOU WILL NEED A CHECK FOR THE EARNEST MONEY DEPOSIT. ASK YOUR AGENT WHAT THIS DOLLAR AMOUNT IS.
- WHEN YOU COME TO A 'MEETING OF THE MINDS' CONGRATULATIONS! NOW LET'S GET ROLLING!
- ORDER YOUR INSPECTION AND MAKE FORMAL MORTGAGE APPLICATION WITH YOUR LENDER.
- PLAN ON SPENDING SEVERAL HOURS WITH YOUR HOME INSPECTOR; YOU WILL LEARN EVERYTHING ABOUT YOUR NEW HOME AND SOME TIPS ON HOW TO MAINTAIN IT.
- RE-NEGOTIATE WITH THE SELLER IF NEED BE, AFTER REVIEWING THE INSPECTION REPORT WITH YOUR AGENT.
- WAIT FOR YOUR MORTGAGE COMMITMENT. QUICKLY PROVIDE ALL REQUESTED DOCUMENTATION TO YOUR LENCDER TO EXPEDITE THE UNDERWRITING PROCESS.
- IN THE MEANTIME, YOUR ATTORNEY WILL BE UPDATING THE ABSTRACT OF TITLE AND PREPARING ALL CLOSING DOCUMENTS.
- ARE YOU PACKEDYET? COORDINATE WITH A MOVER BASED ON THE 'ON OR ABOUT' CLOSING DATE.
- WHEN YOU RECEIVE THE 'CLEAR-TO-CLOSE' FROM THE LENDER YOU ARE JUST DAYS AWAY FROM CLOSING. CALL THE UTILITY COMPANIES TO HAVE SERVICES TRANSFERRED INTO YOUR NAME.
- THE CLOSING IS SCHEDULED AND THE KEYS TO YOUR NEW HOME WILL SOON BE YOURS!
CONGRATULATIONS!
Buying a home? "Your Home, Next EXIT!"