When buying any home, you should always know what you are comfort range is. To do this, we recommend that you speak with a mortgage professional. This will help you with know exactly how much you are qualifed to purchase and give you an idea of a payment range. We always recommend that you stay within your own personal comfort zone. Be sure to ask if it is PITI and any HOA if applicable.

The new home builders and sales people will not allow your Real Estate Professional to represent you if you walk into the developement without your realtor present. In order to have us represent you and help you negotiate a better deal, more incentives and to give you the cash back rebate, we must accompany you into the builders.

1. The builder writes the offer in the form of a contract. At that time you will get to select some options such as these:
   
   (Feature selections and available options may vary between communities and builders)

   Exterior brick/siding and paint color Interior wall paint Flooring to include carpet, tile, laminate or wood Hardware to include door knobs and faucets Interior and exterior doors Interior lighting Exterior lighting Cabinets Countertop Bath tile Appliance color/style

   
   
2. Prior to the offer we will negotiate price and incentives.
   
   
3. If a loan officer is present, you will have to qualify with the builders lender. (we will give you the complete loan application and needs list prior to going out to visit a builder)
   
   
4. If the loan officer is not present, they will have you call in and speak with one prior to accepting your offer.
   
   
5. Once the offer is written, it will be sent to corporate (usually takes 48hrs to get an offer accepted). With a deposit they will hold the home you are interested in as long as they indicate your are qualified.
   
   
6. After the offer is accepted they will open escrow. Escrow is a non-basis 3rd party that will handle the transaction paperwork and work with you, the builder and your loan officer.
   
   
7. When the final paperwork is ready, loan documents are prepared and the closing paperwork will be notarized. Please be sure that all buyer(s) have valid id's for the nortary.
   
   
8. Next is the move. We recommend you get a checklist. We have them and give them to you upon us representing you in your purchase

We pay back after the close of escrow. Meaning you have taken keys to your new home. At no time do we wait more than 48 hours afterwards. Read here for more details.