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Buying or selling a home in Hamilton? Heritage T & I Realty, Inc. can help.

Buying a home intimidates most people, but it isn't very complicated with a bit of planning ahead of time. I like to give buyers a road map of the entire deal so they'll understand exactly what they can expect. These are my nine steps to purchasing a home.

If you have questions about this information or if you're prepared to get started, just contact me here or e-mail me at

Step 1 – Get ready to purchase
There are a lot of things you should consider before starting your home search. When you start your search, you'll probably want to make a check list of must-have features, get a feeling for what school districts you'd like to live in, and start working on your budget. Ensuring your mortgage payment is less than 30 percent of your monthly income is a good guideline to go by.

Step 2 – Speak with a real estate agent
This is where Heritage T & I Realty, Inc. comes in. We can schedule a time to meet so we can talk about your real estate needs and get an idea of your future plans. We'll discuss everything from neighborhoods, schools in the Hamilton area, the mortgage industry, to any other economic factors that may affect your buying decision today or in the future.

I'll also help you start the loan process. There are some very good mortgage professionals in Hamilton, and I partner with a lot of them, so you can rest assured that you're in great hands. They will assist you with determining which type of loan is best for you and help you get qualified.

Step 3 – Start your search
After our first meeting, I'll start finding available homes on the market that are good for you. I'll research most of the houses and reject the duds, and then we'll schedule appointments to view the homes at a time that's convenient for you.

As we tour houses, I'll call attention to good features, as well as bad ones. I'll even ask you what things you like and don't like. It's common for buyers to change their must-have list as we view houses and some items become more essential than others. If that happens, I'll look through all the listings once again and narrow it down to the home you've been dreaming about.

Step 4 – Get a grasp of the housing market
My awareness of the Hamilton market is a necessary advantage in your home search. I am conscious of all the school districts and neighborhoods, and I will alert you to certain districts are "hot" and demand prompt action and the ones that are "cold" and allow for careful examination.

When we view homes, I'll let you know if the list price has room for bargaining or if I believe the house is "priced to sell." When working with an agent, be mindful and be sure to ask plenty of questions. Any REALTOR® will tell you they know the market. If it doesn't seem like they know everything, contact me at (609)587-6565 or e-mail me at, and I'll be more than happy to answer your questions. My market expertise will keep you a step above the rest through the entire deal.

Step 5 – Find your dream home
I'm confident we'll find your dream house in Hamilton. When that happens, I'll thoroughly create your purchase offer. The offer will be tailored exactly to your needs, including a lot of contingencies. A few examples are acquiring financing, finishing the inspection, and a clean title.

Let Heritage T & I Realty, Inc. guide you through finding your dream home in Hamilton When we present your purchase offer, you'll want to submit "earnest money." This is a cash deposit submitted to the home seller to secure an offer to purchase the property and is most often applied to the closing costs. If the offer is accepted by the seller, we should close on the home about 30 to 60 days afterward. This allows sufficient time for your mortgage financing.

Step 6 – Negotiate the deal
Most deals don't close on the first offer. It's widely common to receive a counter offer. But don't let it intimidate you. We'll talk about whether or not to accept the counter offer, propose our own counter offer, or refuse the seller's offer and go on.

The state of the market will play a part in how aggressively we negotiate the contract. In addition, we'll work within your financing limits. And when it's all said and done, we'll assemble a contract that's best for you.

Step 7 – Get a loan
After we sign the final contract, you'll begin working with your mortgage lender to close the loan. If you're pre-approved, this shouldn't take long at all, but you need to keep in close contact with your lender. And I'll manage all the property information your mortgage lender will need to close the loan.

Step 8 – Close the deal
Your mortgage lender will give you a Good Faith Estimate (GFE) outlining your closing costs within three days of receiving your application. You'll get a Good Faith Estimate (GFE) detailing closing costs from your lender within three days of accepting your loan application. This estimate depends on the loan amount. RESPA requirements require that it has to contain all closing costs and be within a narrow range of accuracy, and I'll analyze the estimate and let you know if it all looks good.

Then we'll close on your house. This will most likely occur at a title company or escrow office and is often a smooth and relaxed affair.

Step 9 – Move in
You made it! Now you can move into your new home. Enjoy it. And if you need anything, just contact me at (609)587-6565 or send me an e-mail.