Buying or selling a home in Naples? Metro Properties can help.

Purchasing a home is intimidating for many people, but it isn't that complicated with a bit of up-front planning. I like to supply buyers with an overview of the whole deal so they know exactly what to expect. Here are my nine steps to purchasing a home. If you have questions about any of this information or if you're prepared to get started, simply contact me here or e-mail me at .

Step 1 – Prepare to purchase a home
There are a lot of things you should take into account before starting your home search. It's likely that you'll want to form an index of features you need, plan for what neighborhoods you want to live in, and start planning your budget. Ensuring your mortgage payment is around a third of your net monthly income is a good rule to follow.

Step 2 – Connect with a real estate agent in Naples
This is where I come in. We'll set up a time to get together so we can talk about why you want to buy a home and get an idea of your future plans. We'll talk about everything from neighborhoods, schools in the Naples area, the mortgage and housing industries, to any other economic factors that may affect your buying decision today or in the future.

In addition, I'll help you facilitate the loan process. There are some great mortgage professionals in Naples, and I work with a lot of them, so you'll be in great hands. They can assist you with deciding which type of loan is best for you and help you get approved.

Step 3 – Begin looking
After our initial meeting, I'll start searching for houses on the market that suit your needs. I'll preview many of the homes and eliminate the bad ones, and then we'll set up appointments to tour the houses when it's most convenient for you.

When we tour the homes, I'll show you the positive features, as well as negative ones. I'll also ask you to tell us about things you like and don't like. It's pretty common for buyers to revise their must-have list as we tour homes and some things become more crucial than others. If such is the case, I'll look through all the listings one more time and trim it down to the home you've been waiting for.

Step 4 – Understand the housing market
An agent's awareness of the Naples home market is an imperative element in your house search. And I can assure you I'm acquainted with all the neighborhoods and school districts, and I'll communicate what areas are "hot" and call for prompt action and the ones that are "cool" and allow for careful consideration.

As we view homes, I'll be sure to tell you when the seller's asking price has room for negotiation and also when I trust the home is "priced to sell." Any real estate agent in Naples will tell you they know the housing market, but take notice, and be sure to ask plenty of questions. If it appears they don't know everything, just call me at 866-300-1550 or e-mail me at , and I'll be glad to answer any questions you may have. My market expertise will help you stay a step above the rest through the entire process.

Step 5 – Find the home you've been looking for
We'll find your dream house in Naples, and when that happens, I'll precisely create your home purchase offer. The offer will be tailored to suit your needs and the home, including several contingencies. A few examples are obtaining financing, finishing the inspection, and a clear title.

When submitting your offer, you'll probably want to present "earnest money." This is a cash deposit submitted to a seller to secure an offer to buy the property and is most often put towards the closing costs. If the offer is accepted by the seller, we should close about 30 to 60 days after. This allows sufficient time for your mortgage financing.

Step 6 – Negotiate
Unfortunately most contracts aren't closed on the beginning offer, and it's very common to receive a counter offer. Don't let it intimidate you. We'll talk over whether or not to accept the counter offer, present our own counter offer, or decline the seller's offer and move on.

How aggressively we negotiate the contract depends on market circumstances. In addition, we'll work within your budget. And when it's all said and done, we'll formulate a contract that's best for you.

Step 7 – Secure your loan
After we sign the final sales contract, you'll begin working with your mortgage lender to close the loan. If you're already pre-approved, this shouldn't take much time at all. But you'll want to keep in close contact with your mortgage lender. And I'll care for all the property information your lender needs to close the loan.

Step 8 – Close the deal
You'll get a Loan Estimate (LE) outlining your closing costs from your mortgage lender within three days of receiving your loan application. The estimate is based on the loan amount. RESPA requirements order that it has to contain all closing costs and fall within a tight range of accuracy, and I'll examine the estimate and let you know if it all looks okay.

Then we'll close on your house. This should happen at a title company or escrow office and is often a smooth and relaxing occurrence.

Step 9 – Move in
Congratulations! Now you can move into your new home. Enjoy it. And if you need anything or have any questions, just contact me at 866-300-1550 or e-mail me at .

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