Looking to buy your home in Naples? Metro Properties can help.

For a lot of people, buying a home can be a stressful event. But with a little up-front planning, it's not that confusing. I like to provide buyers with an outline of the whole deal so they'll know exactly what they can expect. Below are my nine steps to purchasing a home. Should you have questions regarding this information or if you're prepared to get started, you can contact me here or e-mail me at .

Step 1 – Prepare to purchase
There are several things you'll want to consider before you search for a home. It's likely that you'll want to create a list of items you want, get a plan of what neighborhoods you want to live in, and start planning around your budget. Ensuring your mortgage payment is less than 30 percent of your net monthly income is a good rule of thumb to follow.

Step 2 – Speak with a real estate agent
This is where I can help. We can set up a time to get together so we can talk about your real estate needs and get an idea of your upcoming plans. We'll talk about everything from neighborhoods, school districts in the Naples area, the mortgage and housing industries, to any other economic factors that could affect your purchase today or in the future.

I can also assist you with getting started on your loan. There are some great mortgage professionals in Naples, and I partner with a lot of them, so you'll be in great hands. They can help you choose which kind of loan is best for you, as well as help you get approved.

Step 3 – Begin looking for a house
Following our first meeting, I'll begin finding available homes on the market that suit your needs. I'll preview most of the houses and reject the duds, and then we'll schedule appointments to view the homes when it's convenient for you.

As we tour houses, I'll identify positive features and bad ones. I'll also ask you what things you like and don't like. As a rule, buyers update their list of must-haves as we view houses and some features become far more important than others. If that's the situation, I'll go back through all the listings one more time and trim it down to the home you've been waiting for.

Step 4 – Understand the market
Your agent's understanding of the Naples market is an essential component in your home search. And I can assure you I'm conscious of all the neighborhoods and schools, and I will let you know some neighborhoods are "hot" and demand prompt action and some that are "cold" and allow for thoughtful analysis.

As we tour houses, I'll be sure to tell you if the seller's asking price has room for bargaining or if I believe the house is "priced to sell." Every REALTOR in Naples will convince you they comprehend the home market, but be mindful, and be sure to ask your agent a lot of questions. If it doesn't seem like they know everything, just call me at 866-300-1550 or e-mail me at , and I'd be more than happy to answer any questions you may have. My knowledge of the market will help you stay a step above the rest throughout the entire deal.

Step 5 – Find the house you've been looking for
We'll find the house of your dreams in the Naples area, and when that happens, I'll carefully create your real estate purchase offer. The offer will be tailored exactly to your needs and the home, including many contingencies. A few examples are getting financing, carrying out the home inspection, and a clean title.

When we submit your offer, you'll want to submit "earnest money." This is a cash deposit submitted to the seller to secure an offer to purchase the property. The amount is most often put towards the cost of closing. If the offer is accepted, we should close on the home about 30 to 60 days afterward. This allows enough time for your mortgage financing.

Step 6 – Negotiate the deal
A lot of deals aren't closed on the first offer – it's widely common to receive a counter offer. But don't let this discourage you. We'll talk about whether or not to consent to the counter offer, submit our own counter offer, or reject the seller's offer and move on.

The state of the market determines how aggressively we negotiate the deal. We'll also work within your financing constraints. And at the end of the day, we'll create a deal that works well for you.

Step 7 – Secure financing
Upon finalizing the deal, you'll begin working with your lender to close the loan. This shouldn't take very long at all if you're pre-qualified, but you should to keep in close contact with your mortgage lender. And I'll take care of all the property information your lender will need to close the loan.

Step 8 – Close the deal
You'll get a Loan Estimate (LE) of your closing costs from your mortgage lender within three days of receiving your loan application. This estimate rests on the loan amount. RESPA requirements require that it has to include all closing costs and fall within a close range of accuracy, and I'll analyze the estimate and let you know if it all looks adequate.

Then it's time to close on your home. This should occur at a title company or escrow office and will probably be a smooth and relaxing event.

Step 9 – Move in
Congratulations! It's time to move into your new home. Enjoy it. And if you need anything or have any questions, be sure to contact me at 866-300-1550 or e-mail me at .

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