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I Will Guide You Through The Process

To begin…let’s set a specific time to meet to discuss your specific wants and needs. Together we will establish your approximate price range and the availability of properties located in the general area of Denver that would meet those needs.

(1) You will decide how you will finance your home. You can make a preliminary call to a lender for a free evaluation of your credit scores and ability to purchase within your budget guidelines. Make an appointment to meet with the lender to discuss the many mortgage loan options available to you. The buyer should have met with a lender and received a “pre approval” lender letter that must be submitted with any contract. The lender will approximate your home purchasing dollar amount.

(2) Set a place and time convenient for the realtor and customer to search and view properties within the guidelines set forth by the customer’s needs and the lenders requirements. Lots of patients is required now, since this process may take several days or weeks. The buyer selects three “best” properties and revisits those properties to decide on the one on which they would like to make an contract offer.

(3) The realtor will write a contract offer after showing the buyer properties that are available and those that have sold in that neighborhood. The buyer will establish the offering price from the information available. A lender letter showing the buyers ability to buy and an earnest money check from the buyer shall be submitted with the contract to the seller.

(4) The contract will be negotiated to reach agreement between the buyer and the seller. The Contract to Buy and Sell Real Estate, once signed, is a legal binding document. The buyer may hire an attorney if they desire to review their transaction.

(5) The buyer has the inspection completed by his selected inspector. Any requested repairs are negotiated. The Appraiser inspects the property for the lender. The property must appraise for the contract price or the price must be renegotiated..

(6) Full loan commitment is usually a day or two before the closing date. The buyer must have provided all documentation requested to the lender as soon as the documents were requested during the lending process.

The closing date and time are set and once the paper work is completed, the buyer becomes a new homeowner!

Jo Henderson, Re/Max Southeast, Inc.
Cell 303-523-1801 or Direct Line 303-743-9365