BUYERS

LET CAL MUTUAL HELP YOU FIND YOUR DREAM HOME.

Purchasing a home is a very exciting time and being well prepared will help you make better decisions. The first step toward finding the right home is to quickly compute your purchasing power and determine how much you can afford to pay each month. This saves you time by allowing you to focus on homes in your price range. In addition, in the planning stage you should consider both the up-front and ongoing costs associated with purchasing a home.

WHAT TO EXPECT FROM A CAL MUTUAL AGENT

  • Define your needs, desires and goals as a buyer to determine your most important considerations in selecting a home.

  • Keep you ahead of the competition by constantly searching all new properties.

  • Educate you market conditions and housing trends to maximize your buying potential.

  • Organize the home buying process to help put you at ease and in control.

  • Always accompany you to property showings and represent your best interests.

  • Explore all financing possibilities with you.

  • Provide you with a comparative market analysis to make an informed purchase decision.

  • Disclose all known information about properties and areas that interest you.

  • Assist in preparing offers, strategize your offer to the seller and aggressively negotiate on your behalf.

  • Monitor the closing process step-by-step and make sure you're always informed.

  • Provide a list of inspectors to review the condition of the property.

  • Always act as your advocate in the most professional manner possible.

  • Always act the utmost professional and ethical manner.

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THE HOMEBUYING PROCESS

STEP ONE - Meet with a loan officer


By sharing income and other financial information your Cal Mutual loan officer let you know the exact price for which you are qualified. They will review with you your goals and future aspirations with the property and present different mortgage options to help you meet those goals. The loan officer will sum all your options in concise professional approval letter.

STEP TWO - Begin viewing homes with your realtor


When possible, all decision-makers should visit the various homes. Always be candid with your realtor - it will help them understand your particular needs and desires and enable them to select homes you'll want to see.

STEP THREE - Prepare the offer


Your realtor will provide you with a comparative market analysis on the property or properties of your choice in order to assist you in making an informed decision. Your realtor will go through the contract step by step with you and create a strong offer to submit. Negotiations will proceed until both buyer and seller agree on all terms and sign.

STEP FOUR - Make your loan application


Give your loan officer a copy of the contract and apply for the loan.

STEP FIVE - Inspect the property


Select an inspector and arrange for both a general inspection and wood-destroying insect inspection. Your realtor also can provide information about other environmental assessments.

STEP SIX - Appraisal of the property


The lender will make arrangements for the property appraisal. The appraisal will need to meet the offer price or the home will be either renegotiated or you walk away.

STEP SEVEN - Arrange property closing


You will receive a copy of the closing statement for review prior to closing. You will do one last final walk-through inspection of the property. Your realtor will arrange a closing date and time with the lender and escrow company. At close you will bring a cashiers check for all closing costs and the balance of the down payment.

AFTER THE CLOSING


Your loan documents are sent to the lender for approval and funds are disbursed. The title company receives and funds all money from the loan company, payment of any accrued expenses in connection with the closing are due including taxes, professional real estate fees and title company fees. Legal documents will be recorded in the office of the county clerk and mailed to the buyer.