#1 Realtor - Buying Process - Chino Hills Real Estate Top Agent

BUYING PROCESS

A.	CHOOSING YOUR REAL ESTATE AGENT
		Find a reliable buyer's agent
		Outline the kind of house you are looking for
		Choose a lender

B.	GETTING YOUR LOAN PRE-APPROVED
		Choose a loan officer and get your credit rating
		Choose a loan option that best suits your needs
		Get a Pre-qualification Letter from the lender

C.	FINDING YOUR DREAM HOME
		Log on www.bobohomes.com to check out the newly listed houses on MRMLS
		Ask your agent to find houses according to your needs

D.	MAKING AN OFFER
		Decide on how much you will pay for the house, and make request for repairs
		Have your agent write up the offers and conditions
		When sending in the written offer, you need to accompany the document with a check of usually 3% of the price.This check will be in possession of the agent before the deal goes into Escrow
		If the seller writes back a counter offer, you may choose to accept it, or write up another offer

E.	BOTH PARTIES HAVE ACCEPTED THE OFFER
		When both the seller and the buyer agree on an offer, the deal goes into Escrow
		When the check goes to the Escrow Company, the buyer should make sure that there is money in the bank

F.	APPLYING FOR THE LOAN
		Prepare and send in all the related documents required by the lender, including down payment, proof of work, and tax records

G.	HOME INSPECTION CONTINGENCY PERIOD
		Have professional inspectors inspect the whole house: have your agent to help you write up repair requests
		Examine the Inspection Reports and Disclosures provided by the seller

H.	LOAN CONTINGENCY PERIOD
		Complete the appraisal of the house within the Appraisal Contingency period
		Meet all required conditions and submit all required documents; loan should be approved within the Loan Contingency Period
		Once the loan is approved, sign all loan papers with the Escrow Company

I.	CLOSING THE ESCROW
		Sign the loan document, prepare the down payment and all other fees, and submit to the escrow company before closing the escrow
		Title company will record the transfer of title at the county office

J.	FINAL STEP: RECEIVING THE KEY AND MOVING IN
		Get the key from the seller before or on the date stated on the purchase contract
		Before moving in, contact all the utility companies to continue the services

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