5 Steps to Buying A Home

    01—

    Get Your Financial House in Order

    A very important and crucial first step is to speak to a reputable lender who will run your credit and assess your income and liabilities. After this review process, the lender will be able to determine whether or not you qualify for a loan and the amount. A good lender will not only evaluate your current financial state but also your long-term goals in order to help you decide how much you can and want to invest in a home.

    A good lender will make recommendations on different loan products to best meet your needs and finally provide a pre-approval letter. Having a pre-approval letter in-hand can also increase the attractiveness of your offer, particularly when a seller has multiple offers to choose from.

    02—

    Contact The Thai Klam Team

    While our team prides ourselves on helping our clients view and buy homes, we see our job as so much more than that. An overwhelming majority of buyers start their own home search on the internet. The Thai Klam Team view’s our primary job as educating buyers on the process, the local market, and making them aware of the things that may need to be considered.

    Once a buyer has been pre-approved by a lender, Our team schedules an initial needs assessment consult with buyers where we get together and create a profile of their ideal home and start our search. While technology has greatly facilitated the house hunt, with low market inventory or lack of homes that are desired, many times our team will reach out to our network to find a home before it even hits the market.

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    03—

    Make An Offer

    Once your ideal home has been identified, our team guides buyers through the process of writing and submitting an offer. Our team will often negotiate on the buyer’s behalf as well. Negotiations happen not just around price to purchase the home, but also around terms such as closing date or seller contribution to buyer closing costs. Our team has proven negotiation tactics and strategies that give our buyers an upper hand in such a competitive market. Once both parties have reached an agreement the contract is accepted and bound moving the process forward to the next step.

    04—

    Remove Contract Contingencies

    Once a contract has been executed the buyer and seller work towards satisfying contingencies found within the purchase and sales agreement for the protection of the buyer. The buyer is entitled to obtain a home inspection and to negotiate repairs with the seller. Once an agreement has been reached the inspection contingency can be removed. The same is true for the appraisal and financing contingencies. The buyer works with their lender to process the loan and the lender orders a professional appraisal of the home to ensure its value.

    05—

    Closing Day

    Get homeowners insurance, close and move in! Once all contingencies have been removed from the purchase and sales agreement, the buyer gets homeowner’s insurance and is ready to close on their home. When money has been exchanged and necessary paperwork signed, ownership is transferred to the buyer and they receive keys to their new place.

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