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Connie Byers
REALTOR®, Associate Broker
(804) 869-3314
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The 10-Step Guide to Buying a House

Red Door in Fall

Buying a home can be one of the most complicated journeys in life. I’ve broken it down into 10 straightforward steps for you:

1. Find the Right Real Estate Agent
Real estate agents are important partners when you’re buying or selling a home. I will provide you with helpful information on homes and neighborhoods that aren’t easily accessible to the public. My knowledge of the home buying process, negotiating skills, and familiarity with the area you want to live in will be extremely valuable. And, it doesn’t cost you anything for my services - I am compensated from the fee paid by the seller of the house.
2. Get a Mortgage Pre-Approval Letter
Most buyers decide to finance their home purchase - - a consultation with a reputable and preferably – local - mortgage lender is a crucial step in the process. Find out how much you want to carry in a monthly mortgage before we begin your home search. We will need this letter to attach to any offer you make on a home.
3. Look at Homes
Educating yourself on your local market and working with a knowledgeable Realtor like myself can help you narrow your priorities and make an informed decision about which home to choose.  I will set you up on internet “portals” linked directly to the MLS fitting the criteria of homes you are looking for –and then as we narrow down the search - we go see those homes.
4. Decide on the Home you want to make an offer on
Once you have found THE home …now I go to work helping you make a competitive offer based on market research.  Terms that we will need to decide include: sales price of home, close date, seller contribution to closing costs and any other contingencies to the contract.  I will advise you every step of the way 
5. Negotiating through the Offer
While much attention is paid to the asking price of a home, a proposal to buy includes both the price and terms, as listed above.  I will help guide you in the negotiation process as we work to come to an agreement for you and the seller.
6. Once Under Contract – Connect with your Lender ASAP
Get as much information as possible regarding your mortgage options and other costs from your lender as soon as you are under contract.  Be ready with all the documentation your lender has talked with you about – timeliness is very important!

7. Home Inspection once you are under contract
Most purchase offers are contingent on a home inspection of the home to check for signs of structural damage or things that may need fixing.  I will help you arrange to have this inspection quickly after  your offer has been accepted by the seller. This protects you by giving you a chance to renegotiate your offer or withdraw it without penalty if the inspection reveals significant material damage. Both you and the seller will receive a report on the home inspector’s findings. You then decide if you want to ask the seller to fix anything on the home before or give you money towards closing in lieu of repairs. Before closing, you will have a walk-through of the house to confirm that any agreed-upon repairs have been appropriately made.

8. Home Appraisal
Your lender will arrange for an appraiser to provide an independent estimate of the value of the home you are buying. The appraiser is a member of a third party company and will not be directly linked with your lender. The appraisal will let all the parties involved know that you are paying a fair price for the home.
9. Going to Closing
The closing process is also known as “settlement” or “escrow”. On your day of closing, we will meet at your attorney’s office --and this can take almost two hours….lots of signing!  Remember to bring a certified check for any funds that you need to bring to closing.
10. What’s next?
You’ve done it. You’ve looked at homes, made an offer, obtained financing, and gone to closing.  Now you have keys in hand and the home is yours! 
Is there any more to the home-buying process?  Whether you’re a first-time buyer or a repeat buyer, you’ll want to take several more steps - the first being taking good care of the maintenance of your home.  I can help you reach out to companies for yearly HVAC service contracts, lawn care companies and lots of DIY web sites!     
Welcome to your new home!

Disclaimer: All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information on this site was last updated 08/11/2022. The listing information on this page last changed on 08/11/2022. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of CVRMLS (last updated Thu 08/11/2022 1:07:52 AM EST) or Bright MLS (last updated Thu 08/11/2022 12:54:27 AM EST). Real estate listings held by brokerage firms other than Joyner Fine Properties may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. All rights reserved. --

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Agency License Information: Joyner Fine Properties and its agents are licensed in the Commonwealth of Virginia.

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