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Buying Process

Home Buying in Six Steps

 

1) Get Ready for Home Ownership

  • Build a good credit history
  • Get mortgage pre-approval
  • Find out what type of mortgages you quality for
  • Consider hiring an attorney to review all contracts and agreements associated with the home buying process
  • Save up for a down payment (typically 10-20% of property’s value; if FHA-qualified, 3.5-5%)
    • Consider closing costs which can include taxes, attorney’s fees, and transfer fees
    • Consider utilities and monthly bills, such as homeowner's assessments

2) Find a Real Estate Professional in Your Area

  • You're in luck, you've already found a great Realtor to work with! Call Sami at (954)-865-5411 and explain your needs and expectations, Sami will do the rest.

3) Find the Right Property

  • Determine what is important to you, such as monthly mortgage payment amount, neighborhood amenities, particular schools, public transportation, walkability, etc.
  • Make sure you include home owner’s assessments, utilities, and taxes when calculating the monthly mortgage payment

4) Finance the Property

  • Contact your mortgage broker or lender
  • The lender or attorney will run a title search to ensure there are no clouds on the title
  • Make sure you understand the financing terms—ask the lender for clarification, if needed

5) Make an Offer

  • Ensure the property is inspected by a licensed home inspector
  • Acquire title insurance
  • Make sure the title is clear, or make your offer contingent upon title clearance
  • Read all contracts before signing—make sure you understand all of the terms, ask questions
  • Place a competitive bid and be prepared to make a counter-offer
  • Keep your credit score stable and in-check by waiting to purchase any big-ticket items until long after the closing
  • Only one offer will result in a sale, so be prepared to move on if your offer is not accepted

6) Closing and Life After the Big Purchase

  • Protect your new asset by obtaining insurance such as homeowner’s, flood, disaster, and fire
  • Weatherproof your new home
  • Maintain files—digital or print—for all warranties, insurance documents, contracts, etc.
  • Keep original closing documents in a safe place, preferably outside the home (such as a safety deposit box)
  • Set up utilities bills in your name, maintain files
  • Implement desired aesthetic changes such as painting, minor construction, and re-flooring
  • Set a move date and hire movers or plan a move party with your friends
  • Get to know your neighbors and explore your new neighborhood
  • If you're happy with the work of your real estate professional, be sure to recommend her/him to friends and family

Buying a home can be one of your most significant investments in life. Not only are you choosing a lifestyle base, and the place in which you may raise your family, but you are most likely investing a large portion of your assets into this venture. The more prepared you are at the outset, the less overwhelming and chaotic the buying process will be. The goal of all our REALTORS® is to provide you detailed information to assist you in making an intelligent and informed decision.

Remember, if you have any questions about the process, I'm only a phone call or email away! 

info@samisalim.com

(954)-865-5411

sign

Sami Salim, Realtor®
LOKATION Real Estate

Miami-Dade and Broward County, FL
954-865-5411
info@samisalim.com

Testimonials

In all our dealings with Realtors over the past ten years, we have never met anyone as helpful and energetic as Sami. Without hesitation, we would highly recommend your service to anyone who is looking for an experienced Realtor who cares about getting things done and doing them right! Thanks for taking such good care of us, we couldn't have done it without you! Britten and Carl
I just wanted to say thank you again. You def worked a miracle for us and I will absolutely send all my friends to you! Heather Harris
We really appreciated that you went the extra mile to get us the best price for our home. You are truly a professional. Sylvanna Rodriguez
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