所以你在考虑成为一名房主! The prospect of owning your own home is an exciting one. The purchasing process has its twists and turns but 阿特金森物业 is here to help guide you through your home search and purchase.
As you begin your journey to home ownership it is important to become educated about the home buying process. Keeping an open mind is key as you explore homes and neighborhoods because often as the process evolves, you may choose to alter your preferences and requirements. 旨在让您通过家庭采购, this first-time homebuyer’s guide breaks the process down into three stages: pre-purchase planning, 家庭购物和关闭您的家. You may obtain more information by contacting an 阿特金森物业 agent your resource to the Hampton Roads area.
Having your finances in order is the first step to buying a home. 帮助你开始, here are some fundamental financial actions to take when preparing to buy your first home.
In advance, gather the financial documents you will need to secure a mortgage. This includes pay stubs; automobile and school loans; credit card records; financial statements from brokerages, banks and retirement accounts; and income tax returns. An 阿特金森物业 agent can get you started in the right direction, so you will have a solid pre-approval status for a mortgage.
A buyer’s agent’s job and fiduciary responsibility (meaning legal duty) is to you, the buyer. They are there to help you in the shopping and home buying process, but their real job begins when you’re ready to make an offer on a home. Their sole job is to protect your interest by getting you the best terms they can for the home you desire.
在雇佣买方代理人之前, 面试代理人并评估融洽程度, establish if they are a buyer’s agent or a seller’s agent, 要求推荐, inquire about Realtor® status and other specialized certifications.
通过购房过程的每一步, you can trust your 阿特金森物业 buyer’s agent for advice, 信息和总体指导. Our agents don’t just sell homes, they foster life long relationships with their clients.
Working with your 阿特金森物业 agent, your home search becomes more guided and dynamic. Our agents save you time by focusing your search on the homes that fit your lifestyle and your budget. 还有比较统计, they will take the time to preview homes and research open houses, 所以你有一个大的蓝图. With their real estate knowledge of the local neighborhoods, they can share insight into the home buying process, 谈判, getting to the closing table and even moving day itself.
Your 阿特金森物业 agent will assist you in completing a competitive purchase offer and advise you through negotiations. However, solid consumer knowledge is advantageous for any first time homebuyer.
购买要约包括建议价格, a list of what is to be included in the sale like appliances and fixtures, and contingencies or terms the sale is dependent on , 如一次满意的上门检查, 担保融资, 出售买方目前的住宅, seller concessions including assistance with closing costs, 以及提议的截止日期. 在你方报价之后, 卖方将审查并接受, 拒绝或还价. 在某些情况下, 这可能会持续一段时间, but once the all the terms are agreed to and signed, 要约成为有约束力的合同. That contract contains pages or legal language that directs and guides the transaction. Having an 阿特金森物业 agent to guide you through the transaction of buying a home is invaluable.