Buying Your Home With Savvy Estates

Buying A Home Is Easy As 1-2-3 with Savvy Estates

Step One

Set A Budget & Save

Each client's financial situation is different and it's important to understand your scenario whenever you make a major decision. With your goals in mind, determine a budget. Consider all of the financial implications of buying a home, including your mortgage payment, down payment, closing costs, taxes, insurance, and mortgage insurance (if you're putting less down). While putting away a down payment may seem impossible, there are a number of programs that could require less of a down payment...or none at all.

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Step Two

Get Pre-Approved & Begin The Hunt

Once you find an experienced and trusted lender, you’ll want to get started on the pre-approval process. This helps determine that your income justifies the amount of the loan you’re looking for, and will help the process run smoother and more quickly once you find your perfect place. With your pre-approval in hand, you can start the fun part - thinking about what type of features you’d like in your home. Knowing what is necessary and what is just nice to have will help you and your Savvy real estate professional narrow down houses.

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Step Three

Select The Perfect Home & Close

So you've found the perfect place and your Savvy real estate professional has submitted the offer. Once you're under contract, you'll want to pay for a home inspection which can cost anywhere from $200-600 depending upon the complexity. You may also choose to have a survey done, roof inspection, sewer inspection, pool inspection, etc. The due-diligence period is the time allowed for these activities and allows you to back out for any reason without penalty. Once beyond the inspection period, you'll want to make sure your loan is approved and your appraisal (~$500-600) is ordered within the timeframe in the contract. Once all contingencies are met, we're clear to close and you can start packing!

Search for Homes

Did You Know? You have 14 days from the date of your first hard inquiry to shop and get quotes for mortgage rates without it affecting your credit? Just because a mortgage lender has already checked your credit, don’t let that stop you from getting the best mortgage rate for you.