CHRIS ROBERTS (858) 245-5354
Carmel Mountain Ranch
Buy with Encompass
What can I Afford?
Sell with Encompass
Refer to this handy list to get you through the
home buying process
1. Figure out how much house you can afford.
Calculate your monthly income and debt.
Check your credit report and FICO score.
Encompass Realty Services mortgage calculator.
Figure out your down payment.
2. Get pre-approved for a mortgage.
Choose a type of mortgage.
Speak to at least three lenders and mortgage brokers.
Shop for the best interest rates and programs.
3. Work with an Encompass Realty buyers agent to walk you through the remaining steps!
for expert Buyer representation
4. Determining what you want and need in a home.
Choose a location (downtown, urban, suburban, rural).
Choose a type (single family, townhouse, condo, loft).
Choose a price range.
Choose a size.
Choose an architectural style.
Search for homes
5. Researching your target neighborhoods.
Look online for information on schools, crime rate, traffic and zoning.
Determine your work commute.
Scout local amenities, such as parks, shops and restaurants.
page to learn more
6. Searching for homes
Sign up for
(Targeted homes meeting your criteria emailed to you)
Ask your agent to set up tours of homes that fit your criteria.
Pick up flyers and attend open houses.
7. Researching each home you want to buy.
Ask your agent for comps to estimate the property’s fair market value.
Ask the seller’s reason for selling.
Review all property disclosures.
Find out about liens, easements or other restrictions.
8. Making an offer and negotiating.
Determine the purchase price.
Include contingencies, such as financial, inspection or purchase.
Spell out any special requests and repairs you want included in the sale.
Determine an earnest money amount.
Define a move-in date.
Once both parties agree to the terms, sign the Purchase Agreement.
9. Finalizing the deal.
Get the house appraised.
Get a professional home inspection.
Consider getting specific inspections for structural engineering, roof, and termites.
Use the appraisal and inspection reports to re-negotiate if necessary.
Choose a home insurance company.
Complete the loan process with the lender.
Do a walk-through inspection prior to closing.
Set aside cash for the closing costs and down payment.
10. Closing the purchase.
Review the settlement document at least 2 days before closing to see how funds will be collected and distributed.
Get a cashier’s check for the amount you need to bring to closing, including the down payment and closing costs.
11. Receive the keys to your new home!
USEFUL BUYERS INFORMATION
The Home Buying Process
Buy With Encompass
What Can I Afford?
USEFUL SELLERS INFORMATION
The Home Selling Process
Sell With Encompass
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CHRIS ROBERTS (858) 245-5354
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"This information is deemed reliable but not guaranteed. You should rely on this information only to decide whether or not to further investigate a particular property. BEFORE MAKING ANY OTHER DECISION, YOU SHOULD PERSONALLY INVESTIGATE THE FACTS (e.g. square footage and lot size) with the assistance of an appropriate professional. You may use this information only to identify properties you may be interested in investigating further. All uses except for personal, non-commercial use in accordance with the foregoing purpose are prohibited. Redistribution or copying of this information, any photographs or video tours is strictly prohibited. This information is derived from the Internet Data Exchange (IDX) service provided by SandicorÂ®. Displayed property listings may be held by a brokerage firm other than the broker and/or agent responsible for this display. The information and any photographs and video tours and the compilation from which they are derived is protected by copyright. Compilation Â© 2014 SandicorÂ®, Inc. â€
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