UN-COMPLICATING THE PROCESS

YOUR HOME BUYERS GUIDE

Contact Me To Find The Home Of Your Dreams

NEGOTIATIONS

For most people, purchasing a home is the largest and most emotional financial decision they will ever make, which is why you should work with an experienced Real Estate Agent to properly negotiate on your behalf.

RESOURCES

Purchasing a home is a fluid process with a lot of moving parts. After you have chosen the home of your dreams, you will need reputable resources as you move forward with our purchase. There will be homes inspections, oil tank sweeps, septic/well inspections (if present), real estate attorneys, mortgage brokers, title companies, and more. I work with a team of experienced professionals that will help guide you through each step of the process.

HOME SEARCH

I will provide a full list of all properties that match your search criteria, daily updates, as well as access to the MLS which will ensure accurate information. This will allow you to make the most informed decision while helping to narrow down your choices.

KNOWLEDGE

As your Real Estate Agent, I have in-depth knowledge of the home buying process helping me to anticipate potential issues and guide you through a smooth purchase of our next home.

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BUYING A HOME?

UN-COMPLICATING THE PROCESS

1. Figure Out What You Can Afford

Determine what you’ll be able to afford in mortgage payments each month, as well as what you can invest initially as a down payment. This handy mortgage calculator can help you estimate your monthly payments.
Keep in mind additional costs like closing costs, fees, homeowners insurance, and taxes will all add to the overall costs. Be sure to check your credit score, and remember that just because you don’t have a traditional 20% down payment doesn’t mean you can’t buy a home!

Contact MATT FOR HELP

2. Shop for a Loan and Get Pre-approved

Finding a trustworthy lender and determining what type of loan you’ll qualify for will help you figure out how much home you can actually afford. Get recommendations, check with the Better Business Bureau, and be sure to talk to at least three or four lenders before making a decision.
Need recommendations for lenders in Monmouth County? Just ask us!

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3. Determine the Selling Price of Homes in Your Location

If you have a preferred location or neighborhood, find out the actual selling price of homes in that area – not just their listing price—to confirm whether you can actually afford that location.
Have a particular neighborhood in Monmouth County you’d like to check? Request your neighborhood sold report here!

Neighborhood Sold Report

4. Find an Agent

You don’t have to work with an agent—but it is extremely recommended unless you are a highly experienced buyer or lawyer. Your agent should be someone you know you can trust, an expert on real estate in your area and neighborhood, and very proficient in working with buyers of your experience.
Looking for an agent in Monmouth County? Find out more about our experience and how we can help you buy a home!

how we can help

5. Find Your Home

This is the fun part, where you get to visit open houses, tour homes, make notes, and really hone in on your perfect dream home! Make sure you keep detailed records of the homes you visit, noting things you liked, didn’t like, pros and cons, etc. Taking pictures can also keep your memory fresh.
Buying a home in Monmouth County? Start searching for your dream home today!

find your dream home

6. Make an Offer

When you find your favorite home, work with your agent to determine a competitive but reasonable offering price. You’ll want to choose a number that is comfortably within your price range but competitive enough that it won’t cause the seller to immediately reject your offer.

7. Get an Inspection

Nothing’s finalized yet, so make sure you’re getting your money’s worth! Ask your real estate agent to recommend a trusted home inspector to walk through the house and check for any potential defects or problems. If necessary, you can request that the seller repair any issues you find.

8. Review Your Contract

Before you sign any paperwork, it’s important that you carefully read over the contract with your agent or lawyer to ensure there are contingencies – that is, if something falls through with your mortgage, you aren’t still obligated to buy the home.

9. Finalize Your Mortgage Approval

Work with your chosen lender to submit your mortgage application, review predicted closing costs, and have your home appraised. Common closing costs include attorney fees, title insurance, appraisal fees, home inspection fees, courier fees, government recording fees, and taxes.

10. Close and Pay

It’s time to close! Meet with your agent, lender, and the seller to finalize the paperwork, sign your contracts, and pay your down payment and closing costs. Finally – the keys to your new home!

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