Buyer Info - What to do when Buying a Home

1. Get pre-qualified. You might have an unknown credit problem that needs resolving.  A mortgage lender can help you decide on how much you can really afford. It may be more or less, than you were thinking. They know best! If you need an area lender, go to the mortgage section, you will find a list of lenders that Sue knows and trusts. 
   
2. If you can be pre-approved, you will have a stronger offering position. That means the mortgage person has pulled your credit and confirmed basic information. All you need to do is get the records to them and have Sue Robertson find you a home!
   
3. Contact Sue Robertson. Sue will sign you up for searches for your new home. You just tell her who will be living in the home and your needs. Sue does the work for you. Save time, save gas, save money. Contact Sue today.
   
4. Sue's website has information about schools, dining, and shopping, fun things to do around the area. If you cannot find the information you want, just ask Sue. She will find it for you.
   
5. Remember you do not save money by not using a Realtor. FSBO, new construction, new neighborhood developers, and builders are looking out for themselves, not you. Sue Robertsonhas a fiduciary responsibility to YOU! Contact Sue Robertson today!
   
6. Sue will help find the right home for you. Then she will give advice about what to offer and negotiation strategy based on recent home sales and current market conditions.
   
7. After the offer is accepted, it then becomes a contract. This is a binding agreement. In order to close on the home within the stated time, you will need inspections. These should include structural/mechanical and wood destroying pests (termites, etc), Radon, lead paint, stucco/moisture, structural engineers, mold and moisture abatement, may also be needed. Ask Sue about the cost of these inspections.
   
8. A survey and an appraisal should be done.
   
9. Loan Commitment comes after you have made an acceptable offer and the lender has committed to lending you the money for your home.
   
10. Repairs are then negotiated. Re-inspection can be done (an extra cost).
    
11. Insurance will need to be ordered.
    
12. You have a right to do a walk through before closing. This is a check for possible damage that can occur during moving out or hidden damage under furniture.
    
13. A lawyer needs to do a title search and prepare for the closing. In North Carolina, the closing occurs after everyone has signed the paperwork, the funds have been received by the lawyer for disbursement, and the deed is recorded at the register of deeds in that county. After all those things occur, the buyer owns the property.
    
14. Sue Robertsonwill help you through the entire process. Whether you are a 1^st time buyer or a seasoned homeowner with multiple moves, Sue Robertson can help make your real estate transaction process as smooth as possible. Suehas the tools, knowledge, and experience!

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Contact Sue today for more information!