Are you purchasing a new home in Fall River? EZ Home Search Real Estate can help.

Purchasing a home is an intimidating event for most people, but it's not very hard with a bit of planning ahead of time. I like to give buyers a road map of the whole deal so they'll know exactly what to expect. Here are my nine steps to buying a home. When you're ready to get started, simply contact me here or e-mail me at . I'm happy to answer any questions you have about this information.

Step 1 – Get ready to purchase a home
Before you begin your home search, there are many things you'll want to do. You'll want to make an outline of items you need, get a feeling for what school districts you'd like to live in, and begin working on your budget. Keeping your mortgage payment less than 1/3 of your monthly income is a good principle to adhere to.


Step 2 – Communicate with a real estate agent  
That's where I can help. I'd be happy to schedule a time to get together with you and communicate with you about why you want to buy a home and get an idea of your upcoming plans. We'll discuss the mortgage industry, other economic factors that may affect your buying decision today or in the future.


I'll also help you start the loan process. EZ Home Search Real Estate works with some of Bristol County's finest mortgage professionals, so you can rest assured that you're in great hands. They can assist you with choosing which kind of loan is best for you and help you get approved.


Step 3 – Start your search
After our initial meeting, I'll start searching for homes on the market that suit your needs. I'll get a sneak peek of most of the homes and throw out the bad ones, and then we'll book appointments to view the homes when it's most convenient for you.

As we view houses, I'll call attention to positive features and bad ones. I'll also ask you to point out what things you like and don't like. It's common for buyers to change their wish list as we view homes and some features become more crucial than others. If that's the situation, I'll go back through all the listings once more and trim it down to the home of your dreams.

Step 4 – Understand the market
An agent's knowledge of the market is a fundamental component in your home search. And I can assure you I'm acquainted with all the neighborhoods and schools, and I will communicate which areas are "hot" and demand immediate action and some that are "cool" and allow for thoughtful analysis.

As we tour homes, I'll be sure to tell you when the seller's list price has room for negotiation and also when I know the house is "priced to sell." When working with an agent, trust your instincts and be sure to ask a lot of questions, as most real estate agents will tell you they "truly"  know the housing market. If it seems like they don't know everything, text me at 5086424392 or e-mail me at realtorbrimmer@gmail.com and I'd be more than happy to answer any questions you have. My knowledge of the market will help you stay a step above the rest throughout the entire process.

Step 5 – Find the house you've been waiting for
We'll find the home of your dreams and when that happens, I'll precisely create your home purchase offer. The offer will be tailored to suit your needs and the home, including several contingencies. A few examples are acquiring financing, carrying out the home inspection, and a clean title.

Upon submitting your purchase offer, you'll need to submit "earnest money." This is a cash deposit given to a seller to secure an offer to buy the property. The amount is usually put towards the cost of closing. If your offer is accepted, we should close on the home within 30 to 60 days afterward. This allows ample time for your mortgage financing.


Step 6 – Negotiate the deal
Unfortunately most deals don't close on the first offer. It's very common to receive a counter offer. Don't let it discourage you. We'll figure out whether or not to consent to the counter offer, submit our own counter offer, or reject the seller's offer and move on.

How aggressively we negotiate the deal depends on market conditions. We'll also work within your financing budget. And when it's all said and done, we'll assemble a contract that's best for you.

Step 7 – Get your loan
Once the contract is finished, you'll start working with your lender to close the loan. If you're already pre-approved, it won't be a long process at all, but you should to keep in close contact with your mortgage lender. And I'll manage all the property information your lender needs to close the loan.

Step 8 – Close the deal
You'll get a Loan Estimate (LE) detailing closing costs from your mortgage lender within three days of accepting your application. The estimate is formed from the loan amount, and RESPA requirements dictate that it has to involve all closing costs and be within a tight range of accuracy. I'll study the estimate and let you know if everything looks all right.

Then we'll close on your house. This will most likely happen at a title company or escrow office and should be a smooth and calm occurrence.

Step 9 – Move in
Congratulations! It's time to move into your new home. Enjoy it. And if you need anything or have any questions, just contact me at 5086424392 or e-mail me at realtorbrimmer@gmail.com.

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