First-Time Buyer? Have no Fear, Start Here.
KNOW WHAT TO EXPECT.
Congratulations on taking the first step toward becoming a first-time home buyer! While buying a home can be one of the most exciting achievements of your life, going into the process without proper preparation and understanding can cause unnecessary headaches. The team at Hatfield Homes of the Carolinas have carefully crafted this step-by-step guide to ensure your path to an affordable home of your dreams is as stress-free and enjoyable as possible.
“If you haven’t found it yet, keep looking. Don’t settle. As with all matters of the heart, you’ll know it when you find it.” – Steve Jobs
The team at Hatfield Homes of the Carolinas is always here to help. While we have provided this guide as a self-paced resource, please feel free to contact our team should you have any questions or prefer a more personalized explanation of the process that takes into account your unique situation.
1. Choose a Real Estate Agent
We’ll set up time to discuss neighborhoods you’re considering and help guide your search.
WE ARE HERE FOR YOU, EVERY STEP OF THE WAY.
2. Get Pre-Qualified
Based on your income and credit history, the mortgage broker will determine how much a bank will lend you, to help determine the price range for your search.
3. Visit Properties
Now is the time to consider your ideal home’s location and amenities. You will attend viewings and open houses.
4. Submit an Offer
Once you identify a home you like, you can put in an offer. The seller will likely return with a counter offer, which you can accept, reject, or make another counter. I will provide advice throughout.
5. ATTORNEY REVIEW
Your attorney’s job is vital to protecting your interests, and to review paperwork on your behalf.
6. HOME INSPECTIONS
You will select all desired inspections and determine the property condition within the agreed timeline and contingencies. You’ll also review disclosures and preliminary title report.
7. Loan Appraisals
Organize an appraisal with your bank. Your mortgage application is submitted to your lender for the bank to issue loan approval.
8. Final Walkthrough
Confirm that no damage has been done to the home since the inspection and that major systems and appliances are in working order.
Documents are signed, payment is exchanged, and you receive the keys!
10. WELCOME HOME
Congratulations! You’re a homeowner.