Buyers

Before you even begin to start saving properties and calling agents, you have to get your finances in order. That begins with cleaning up old debts, improving your credit score, and building up a healthy savings to put down a 20% down payment if at all possible. Get this done first.

At the very least, most banks will require 5% down. Just know that lenders will typically require you to pay private mortgage insurance (PMI) if your down payment is less than 20%

Once you have your financial ducks in a row, it’s time to start preparing for the house hunt. The first step is actually going to a bank and getting pre-approved for a home loan.

Keep in mind that pre-approval and pre-qualification are two different things:

• Pre-Qualification: Only tells you how much you can afford for a home.
• Pre-Approval: Tells you how much the bank will guarantee to lend you for a home.

When you go to an open house with a pre-approval letter in hand, the seller knows that you are a serious buyer. Plus knowing exactly how much you are approved for can help you stay within your budget. When budgeting for your home purchase, don’t forget to include other costs that will arise like:

Inspections | Repairs | Closing Costs | Contingencies | …and Other Fees

When you find the right home and are ready to make an offer. It is important to understand the property’s value and other terms for the most successful outcome. Chapman Hall provides you with access several unique resources to gain a clear understanding of a home’s current and future value.

Our Unique Approach Includes:

Looking at value estimates from Zillow, Public Records, and REALTORS Property Resource, which is not available to the general public.

Reviewing the same reports used by lenders to assess current value as well as any changes that might come with renovations to the property. Checking historical data from the Multiple Listing Service (MLS), past appraisals, and other information exclusive to real estate professionals.

Staying up-to-date on trends and planned changes or developments within the markets we sever.

Staying with you every step of the way

Once negotiations are complete and your offer has been accepted, Adrianne and Chapman Hall will guide you through the detailed ‘contract to close’ process, making sure everyone has met the conditions of the contract.

You are almost home

For Adrianne, knowing that her clients are confident in their decision and excited about the future is all that matters. She is grateful for each and every opportunity she has to help clients like you realize your dreams. Adrianne hopes that you also rely on her fo your future needs – wheeler they are questions about your new neighborhood or about finding your next home when you need it.