Step one of the purchasing process always starts with determining your budget. Many buyers think they must put down 20% in order to buy a home,however many different loan options are availale so it’s important to talk

with a great lender to determine what works best for you. Our team works with the best mortgage lenders in the business. We can refer you to an expert who can get you pre-approved for a loan today and work within your budget. Shopping for a home without a pre-approval is like going to the mall without your wallet!a home without a pre-approval is like going to the mall without your wallet!

WHO WILL REPRESENT ME?

WHERE DO I WANT TO LIVE?

SEEK PRE-APPROVAL ~ 1-2 DAYS

PICK A REAL ESTATE AGENT ~ 1-2 DAYS

FIND A HOME ~ VARIES

HOW MUCH HOUSE CAN I BUY?

Narrow down two to three areas in which you want to live. Think about your commute to work, where your friends live, access to grocery stores, restaurants, and proximity to transportation and schools. If you’re thinking about living further from your job, make sure to factor in the commute during rush hour traffic. Do you have pets? Many condo buildings have specific rules regarding the number of pets and weight

restrictions. What else is important to you?restrictions. What else is important to you?

WHO WILL HELP ME?

OPEN ESCROW ~ 1-5 DAYS

WHAT DO I DO NEXT?

NEGOTIATE ON HOME ~ 1-7 DAYS

HOW MUCH SHOULD I PAY?Our detailed analysis of recent comps will help guide you toward an

offer price. Still, it’s important to consider that a lot more goes into negotiating a deal than just the price. Other contract terms such as time-frame for closing,

down payment, and inspection periods are all things to consider before presenting your strongest offer. When it comes to older homes and condos, we’ll

inquire about assessments, fixtures, appliances, recent improvements, roof condition, and other disclosures. A home is worth whatever a buyer is willing to pay for it!and other disclosures. A home is worth whatever a buyer is willing to pay for it!

Congratulations on your accepted offer! Now what? The next step is to give your initial earnest money deposit to the escrow company, for the amount that

was agreed on during the negotiations. We’ll deliver all necessary documents to the escrow company and introduce you to the escrow officer who’ll be assisting you. Upon opening escrow, you’ll receive a package with the necessary information

to be completed so the escrow/title company can begin drafting closing documents.

The first couple of weeks is where the heavy lifting takes place. We’ll refer you to the best home inspectors in the business and assist you with scheduling all other inspections. This is also when we’ll be reviewing all disclosures from the seller and escrow company. The process will vary slightly between single-family homes and condos/town-homes. We’ll be there to make sure all deadlines are met and that

everything is completed on time.

CONTINGENCIES & INSPECTIONS ~ 1-21 DAYS

RECORD. CONFIRMED. DELIVERED

The loan process begins with the pre-approval before you start looking at homes, but the majority of the work will take place after your offer is accepted. After acceptance, you’ll complete the application with your loan officer and be in close communication

with them throughout the process. After your loan has been submitted for underwriting, you’ll receive conditional loan approval, which usually happens 10-14 days prior to the scheduled closing date. When these conditions are cleared

and final loan approval is received, it’s time to schedule signing.and final loan approval is received, it’s time to schedule signing.

CONGRATULATIONSon the successful purchase of your new home. Your search hashas finally come to an end and it’s time to celebrate all the hardwork you’ve put into finding your perfect home. Thank you for trustingus to help you through the process. And please remember, yourreferral is the greatest compliment we could EVER receive!

RECORDATION ~ FINAL DAY!

SIGNING AND CLOSING ~ LAST 7-10 DAYS

WHEN DO I CLOSE?

LOAN PROCESS ~ 1-45 DAYS

WHO WILL LEND ME MONEY?

You’ve been approved for your loan, all documents are prepared, and it’s time to sign! During this time, we will schedule the final walk-through of the property to

make sure everything is in the same condition as when your offer was accepted. In Hawaii, recordation takes place at least three days after signing. If you are traveling or signing documents off island, we will help coordinate early

signing and mailing documents back to escrow.

After we receive confirmation that we have officially recorded, keys will be delivered and it’s time to move in!