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Are you contemplating buying a home in Lewisburg? David Jent Realty & Auction can help.

Buying a home is a stressful event for most people. However, with some planning ahead of time, it isn't all that confusing. So they'll know exactly what to expect, I like to provide buyers with a road map of the whole deal. Below 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 answer questions you have about this information.

Step 1 – Prepare to purchase a home
There are a lot of things you should contemplate prior to beginning your home search. You'll want to form a check list of features you need, plan for what neighborhoods and school districts you want to live in, and begin working on your budget. A good guideline to follow is that your mortgage payment should be less than or around a third of your monthly income.

Step 2 – Communicate with a real estate agent in Lewisburg
That's where I come 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 plans for the future. We'll discuss the mortgage industry, other economic factors that may affect your purchase today or in the future, as well as neighborhoods and schools in the Lewisburg area.

In addition, I'll help you facilitate the loan process. David Jent Realty & Auction works with some of the finest mortgage professionals in Lewisburg, so you can rest assured that you're in great hands. They'll assist you in figuring out which type of loan is best for you and help you get qualified.

Step 3 – Begin looking for a house
After our first meeting, I'll begin finding homes on the market that are great for you. I'll preview many of the homes and reject the duds, and then we'll schedule appointments to view the homes whenever it's most convenient for you.

When we view houses, I'll point out good features and negative ones. I'll also ask you to point out what things you like and don't like. Frequently, buyers amend their wish list as we tour homes and some items become more important than others. If such is the case, I'll go back through the listings once more and trim it down to the home you've been wishing for.

Step 4 – Get a grasp of the market
My knowledge of the Lewisburg home market is a fundamental component in your home search. I am acquainted with all the neighborhoods and schools, and I'll alert you to which areas are "hot" and warrant immediate action and the ones that are "cold" and allow for more analysis.

As we view houses, I'll make sure to communicate if the list price has room for negotiation or if I believe the home is "priced to sell." When working with an agent, trust your instincts and make sure you ask plenty of questions. Every REALTOR will convince you they truly understand the market. If it doesn't seem like they know everything, just call me at (931) 359-6631 or e-mail me at , and I'll be happy to answer any questions you may have. My market knowledge will keep you a step above the rest through the entire deal.

Step 5 – Find the house you've been waiting for
We'll find the house of your dreams in the Lewisburg area, and when we do, I'll thoroughly create your home purchase offer. The offer will be tailored with your needs in mind and the home, including many contingencies. A few examples are acquiring financing, completing the home inspection, and a clean title.

When sending in your purchase offer, you'll want to present "earnest money." This is a cash deposit given to a seller to secure an offer to buy the property and is often applied to the cost of closing. If the offer is accepted by the seller, we should close about 30 to 60 days afterward. This allows ample time for your mortgage financing.

Step 6 – Negotiate
Most contracts don't close on the beginning offer. It's pretty common to receive a counter offer. Don't let this discourage you. We'll figure out whether or not to agree to the counter offer, submit our own counter offer, or refuse the seller's offer and move on.

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

Step 7 – Get financing
Once the contract is finished, you'll start working with your lender to close the loan. It won't take very long at all if you're pre-qualified, but you should to keep in close contact with your mortgage lender. And I'll look after all the property information your lender will need to close the loan.

Step 8 – Close the deal
You'll get a Loan Estimate (LE) of closing costs from your mortgage lender within three days of receiving your loan application. This estimate is based on the loan amount, and RESPA requirements order that it has to involve all closing costs and be within a narrow range of accuracy. I'll go over the estimate and let you know if it all looks adequate.

Then it's time to close on your house. This will most often occur at a title company or escrow office and will most often be a smooth and comfortable affair.

Step 9 – Move in
Congratulations! Now you can move into your new house. Enjoy it. And if you have any questions, simply contact me at (931) 359-6631 or e-mail me at .

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