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Buying or selling a home in Lewisburg? David Jent Realty & Auction can help.

Purchasing a home is intimidating for many people, but it's not very difficult with some up-front planning. So they'll understand exactly what to expect, I like to provide buyers with a road map of the entire deal. Below are my nine steps to buying a home. If you have questions regarding any of this information or if you're ready to get started, you can contact me here or e-mail me at .

Step 1 – Prepare to purchase a home
There are a lot of things you should do before beginning your home search. You'll probably want to create an index of features you need to have, plan for what neighborhoods you'd like to live in, and begin working on your budget. Ensuring your mortgage payment is less than or close to 1/3 of your net monthly income is a good principle to go by.

Step 2 – Connect with a real estate agent
This is where I can help. I'd like to arrange a time to get together with you and communicate with you regarding why you want to buy a home and get an idea of your plans for the future. We'll discuss neighborhoods, school districts in the Lewisburg area, the mortgage industry, and any additional economic factors that might affect your buying decision today or in the future.

In addition, I'll help you begin the loan process. There are some great mortgage professionals in Lewisburg, and I partner with a lot of them, so you can rest assured that you're in great hands. They can assist you with figuring out which type of loan is best for you and help you get qualified.

Step 3 – Start looking
After we meet, I'll start finding houses on the market that suit your needs. I'll get a sneak peek of many of the houses and reject the bad ones, and then we'll set up appointments to tour the homes at a time that's convenient for you.

As we view homes, I'll call attention to good features and bad ones. I'll even ask you to tell us about things you like and don't like. It's pretty common for buyers to change their list of must-haves as we tour houses and some items become more crucial than others. If such is the case, I'll go back through all the listings once more and narrow it down to the home you've been wishing for.

Step 4 – Get a grasp of the housing market
An agent's awareness of the Lewisburg housing market is an imperative component in your house search. And I assure you I'm conscious of all the school districts and neighborhoods, and I'll let you know certain areas are "hot" and warrant prompt action and some that are "cold" and allow for more examination.

When we tour homes, I'll make sure to communicate if the asking price has room for bargaining or if I believe the house is "priced to sell." Trust your instincts and be sure to ask a lot of questions, as every real estate agent will convince you they comprehend the housing market. If it seems like they don't know everything, just call me at (931) 359-6631 or e-mail me at , and I'll be happy to answer any questions you have. My market expertise will keep you a step ahead throughout the entire process.

Step 5 – Find the home you've been looking for
I know we'll find the house of your dreams in Lewisburg. When that happens, I'll precisely create your purchase offer. The offer will be tailored keeping your needs in mind and the home, including several contingencies, such as acquiring financing, finishing the home inspection, and a clean title.

When submitting your offer, you'll likely want to submit "earnest money." This is a cash deposit given to a seller to secure an offer to buy the property and is most often put towards the closing costs. If your offer is accepted by the seller, we should close on the property within 30 to 60 days afterward. This allows plenty of time for your mortgage financing.

Step 6 – Negotiate the deal
Most deals aren't closed on the initial offer. It's pretty common to receive a counter offer. Don't let this intimidate you. We'll talk over whether or not to accept the counter offer, present our own counter offer, or refuse the seller's offer and go on.

Market circumstances determine how aggressively we negotiate the contract. In addition, we'll work within your financing budget. And at the end of the day, we'll create a contract that works well for you.

Step 7 – Get a loan
After we sign the final deal, you'll begin working with your lender to close the loan. This won't take very long at all if you're pre-approved, but you should to keep in close contact with your lender. And I'll manage all the property information your mortgage lender needs to close the loan.

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

Then it's time to close on your home. This will probably occur at a title company or escrow office and should be a smooth and calm affair.

Step 9 – Move in
Congratulations! It's time to move into your new house. Enjoy it. And if you need anything, simply call me at (931) 359-6631 or e-mail me at .

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