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The Home Buying Process

1.  Select a Realtor
   a)   MLS, FSBO, Builders, Open Houses
   b)   NO charge for representation (real estate commission is paid by seller
          and written in the listing contract).
2.  Obtain pre-approval (mortgage) or proof of funds (cash)
    a)   The paperwork lenders require can be BRUTAL!
    b)   This must be obtained before any showings
    c)    Buyer to let agent know where downpayment funds come from
3.   Analyze needs and set detailed criteria in MLS Drip
    a)    There is NO PERFECT house! 75% of your criteria is a FIND!
4.   Select properties - DRIVE BY ALL PROPERTIES FIRST! Make sure this
      is a street you would like to live on by checking location, neighbors, etc.
5.   Schedule Showings
     a)   Showing times vary and sometimes require a 24 hour notice
     b)   3 showings max per day/12 showings max overall
     c)   Average buyer looks at 3-5 homes before writing an offer
6.   Writing an offer
     a)   Will provide a Comparative Market Analysis (CMA). Properties are
            selling from 98% to 105% of list price in today's market.
      b)   Must provide earnest money check upon acceptance of the offer ($500+)
      c)   'TARGET' Closing date = 60 days (USDA, KHC), 45 days (Conv, FHA, VA)
      d)   Agents to obtain copies of the buyers drivers license
7.   Negotiating Terms
      a)   Purchase price, closing costs, appliances, home warranty
8.   Buyer and Seller come to agreement = PENDING!
9.   Contingency Removal Process
      a)   Home Inspection - MAJOR issues only
      b)   Mortgage Financing
             1) Appraisals, underwriting, Insurance, credit check
      c)    Title Search
             1) Remove encumberances, obtain title insurance
10.  Clear to close from lender = CLOSING TIME!!!
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Keller Williams Realty Services - The Vories Team
7210 Turfway Rd
Florence, KY 41042

Information is provided exclusively for consumers’ personal use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable, but is not guaranteed accurate by the MLS.
The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange Program of Metro Search, Inc. Real estate listings held by brokerage firms other than Jennifer Haubner-Vories - Keller Williams Realty Services - The Vories Team are marked with the Internet Data Exchange logo or the Internet Data Exchange thumbnail logo and detailed information about each listing includes the name of the listing broker. © 2024 Metro Search, Inc.
Courtesy of the MLS of Greater Cincinnati. Copyright © 2024 Multiple Listing Services of Greater Cincinnati / All Information is believed accurate, but NOT guaranteed. The data relating to real estate for sale on this Web site comes in part from the Broker Reciprocity programs of the MLS of Greater Cincinnati, Inc. Those listings held by brokerage firms other than are marked with the Broker Reciprocity logo and house icon. The properties displayed may not be all of the properties available through Broker Reciprocity. Data on this site was last updated: July 12, 2024
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