Black Dog Real Estate LLC

Affordable and Valuable Home

Buying Solutions

Purchasing real estate is likely to be the most significant and complex financial transaction a person will make. A trusted real estate professional is a strong advocate who understands the information and emotional support that buyers need throughout finding and acquiring a home. As an expert with local market knowledge and over 20 years of experience, we are well-prepared to guide buyers through practical details and potential obstacles during the purchase process.

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Buyer Checklist

1. Get pre-approved for a mortgage

  • Choose a type of mortgage.
  • Speak with lenders and mortgage brokers.
  • Shop for the best interest rates and programs.

2. Figure out how much house you can afford

  • Calculate your monthly income and debt.
  • Check your credit report and FICO score.
  • Figure out your down payment.

3. Determine 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.

4. Research 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.

5. Search for homes

  • Browse listings online.
  • Ask your agent to set up tours of homes that fit your criteria.

6. Make an offer and negotiate

  • Determine the purchase price.
  • Include contingencies, such as home, termite, moisture inspections.
  • Spell any special requests and repairs you want to be included in the sale.
  • Determine an earnest money amount.
  • Define a move-in date.
  • Once both parties agree to the terms, sign the Purchase and Sale Agreement.
Black Dog Real Estate LLC
Black Dog Real Estate LLC

7. Finalize the deal

  • Get the house appraised.
  • Choose a home insurance company.
  • Complete the loan process with the lender.
  • Do a walk-through inspection before closing.

8. Close the purchase

  • Review the settlement document at least three days before closing to see how funds will be collected and distributed.
  • Recieve the keys!