Let's Guide You Through the Home Buying Process

1st STEP IN THE HOME BUYING PROCESS:

GETTING YOUR FINANCIALS IN ORDER

Buying a home is an exciting step – and the first place to get started is by getting pre-approved with your local lending institution! That way you can find out exactly what type of house will fit into your budget, as well ask questions about potential loan options. Plus working locally gives you personalized attention from someone who understands all the real estate nuances in that particular area. Even better yet, they may be able to provide guidance for closing day if it’s convenient! If you’re not sure how or where to begin this process don’t worry; we have some great lenders on our list so just reach out and request help getting connected today. You can also take advantage of this easy online application from one of our highly reputable lenders– let’s get rolling together towards finding your perfect dream home now!

The Home Buying Process in 10 Easy Steps!

Step by step on how to buy a house with us.

1

Are you ready to take the plunge into homeownership? The process can be overwhelming – but don’t worry! Securing your finances is a great place to start. To get that all-important mortgage, lenders may require an initial down payment from you. But how much should it be? Have no fear – we’ve got some tips for calculating and budgeting this essential expense as part of achieving your dream home purchase!

2

As a first-time home buyer, you know the importance of having funds to put toward your dream house – but did you know that it’s just as important for lenders to assess and evaluate your credit score? Lenders will take into account all elements of your financial history before deciding on how much money they’re willing loan out – and at what rate. Unfortunately, if there are any late payments or blemishes in your credit report this could diminish their willingness to extend an attractive interest rate (or worse!). To ensure solid footing with potential loans given by lenders, be sure you know where exactly stands when it comes up the matter of credits scores!

3

Ready to hit the market for a new home? Taking the time to seek pre-approval from a lender is definitely worth it! A loan officer will help you find an affordable monthly payment based on your financial background and debt. Not only does this save stress about whether or not you can afford that dream home, but also keeps defaulting off of your radar – so what are you waiting for? Get started today and make finding (and affording!) your perfect abode is smoother than ever before!

4

Let Palm Leaf Realty Group be your guide to make the home-buying process a breeze! From bank approval to showings, inspections, negotiations and appraisals we cover it all. If you want a single family house or even just an amazing beach view condo – no problem! Ready for the big move? We’ll help explore different areas of town so that you can find right fit for yourself and start calling it home today..

5

Looking for the perfect place to call home? Put together a wish list with your must-haves and nice-to-have features, then start searching! Do you want something ready right away or prefer adding personal touches through renovations? It’s time to find that dream house – happy hunting!

6

Congratulations, you found your dream home! Now it’s time to get serious and make an offer that the seller won’t be able to resist. Our team will advise and craft a persuasive proposal for your new abode – from negotiating strategies, budgeting tips, understanding legal lingo and more.

7

A home inspection gives you the peace of mind when it comes to buying a new house! They’ll check every nook and cranny, looking out for anything from pesky pests like termites, to structural issues that could cause costly repairs.

8

Looking to purchase a home? Congratulations! Although you may have already been pre-approved for your loan, the lender will still want to conduct an appraisal before they make it official. This is when they can assess if the house you are looking at would be a good investment or not – like having an inspector check out all of its features without any bias!

9

Closing is the exciting day when you can finally call a house your own! During closing, everything falls into place as parties such as buyers and sellers, mortgage representatives and more come together to make it happen. It’s also where you’ll be able to put down that final payment for the loan—and take home those new keys!

10

Congratulations on becoming a homeowner! You’re one of the select few who can now enjoy all the rewards that come with this long-term commitment. It’s time to sit back, relax and bask in your accomplishment.

Answers to the questions you might have

Pre-qualification and pre-approval are two distinct steps on your home buying journey. Pre-qualifying can give you an estimate of what type of loan amount you may be able to borrow, yet it does not guarantee that the lender will approve this for you.
It's important to take signing documents seriously, as any you sign are legally binding and can have serious implications. Protect yourself by understanding what each document requires of you before agreeing!
Purchasing a home no longer requires an overwhelming down payment. Now, there are several loan products that only require 3% down – which opens the door for many more potential homeowners!
When it comes to real estate transactions, buyers can breathe easy knowing that services are often free of charge - unless otherwise stated!
Closing costs can be sizable, averaging anywhere from 2% to 3% of the home price.
We are able to show you ANY home listen for sale. In any area of town. At any price point.

Client's Feedback

I had the pleasure to meet Claudia from Palm Leaf Realty Group on her visit to Portugal. During our cooperation, she was highly professional, but also friendly and kind. I value a lot her deep knowledge of the international Real Estate Market. As she sells homes in the USA and Portugal, she can compare the investment opportunities and advice what will work best for you. As I don't speak Portuguese well, I also appreciated her perfect English. Overall the experience was above my expectations, and I highly recommend working with her to anyone looking to invest in Real Estate.

First time buyer coming from Europe, Claudia Da Silva helped to navigate me through all the procedural steps that are needed (and there are many 🙈) to successfully end up with a place of my own. Her expertise, network, and persistence (and patience) were essential to make this happen.

I had a great opportunity to work with Claudia to buy my first home. She was very professional, always available to answer any of our questions or concerns, clearly explained all the steps and procedures, and made sure that we are protected at each step! She tries to help you not only as your agent but as your friend and guides you thoroughly during the whole process. Thank you very much, Claudia!

Claudia has been of so much help during the search of my first home. We checked so many different houses and she was as always so patient and giving me her point of view and advice, which was of so much help. Claudia is a very friendly and professional realtor, who you can trust will help you all the way! She speaks very fluent Spanish, which was so helpful for my parents questions. I'm so thankful for being able to find such a great realtor and I highly recommend her to anyone.

I’ve had the pleasure and honor to be working with Claudia to find my dream home. She has been nothing but professional, responsive and detailed oriented to n a professional level. On the humanity level, she has been like a sister to me, getting me through the most difficult times that I had encountered through the process of buying a home. She is very experienced on her field, knows the answer to every question, and if she doesn’t, she makes sure that she will find out for you. Most of all, she has patience. I got none, so for me she was a God send. I would have a home today if it wouldn’t be for Claudia. I am honored to have know her and I consider her my close friend. Please be confident that if you’re lucky enough to know her, she will find your dream home.

Claudia helped us purchase our home in Texas and we could not be more thankful for her! Since we live out of state, that process can be a little difficult, but she stood beside us the whole way and made sure we were taken care of every step of the way. There were a few hurdles to overcome (none caused by her) and she fought for us and made sure we were able to close on our house. We are so thankful for Claudia and all of her hard work. You can tell that she truly has a passion for what she does. We would recommend her to anyone and everyone that is looking to purchase a home! She is definitely someone that you want on your side!!

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