You can count on a Realty World Pacific professional to guide you through the home buying process from A to Z.
Home Finder

Let us help you find the perfect home for you and your family

We are pleased that you are interested in speaking with us. In order for us to contact you please fill out the information below. We respect your privacy and will not release your information to anyone outside REALTY WORLD.

To best assist, please note that all fields with an * are required to be filled out.
CONTACT INFORMATION
*First Name:  
*Last Name:  
*Email:  
*Phone:  
Fax:  
Address:  
City:  
State:  
Zip:  

INFORMATION OF INTEREST
Date You Plan To Buy:  (month/day/year)
Interest:
Select Property Type:
Price Range:
Bedrooms:
Bathrooms:
Are You Renting?: Yes No
Must Sell Home To Buy: Yes No
Other Special Requests:

Home Buying Tips
The specific way you progress through a home buying transaction varies depending on the real estate laws and customs where you live, but there are many home buying steps that are standard, even though they might not be accomplished in the same order in every location.

You'll feel more confident about your home buying journey when you understand what is required of you and every other person who is involved in the transaction. This guide takes you through it, and shows you that you're only 11 steps away from buying a home.


Step 1, Get Your Finances in Order
Your credit reports are an ongoing look at how you manage your finances. You must know exactly what your credit reports say about your financial history before you apply for a mortgage, because the reports play an important role in the mortgage approval process and in determining the interest rate and other loan terms that a lender offers you.

If you haven't looked at your credit reports, you might be surprised at their contents, because errors are common.


Step 2, Get Familiar with the Mortgage Industry
Finding the right loan and lender is crucial to your home buying success. You can visit www.loanwarehouseonline.com for more information on the process of getting a loan and calculating a payment.


Step 3, Get Pre-Approved for a Mortgage
Do you know how much house you can afford? Probably not, unless you've talked with a lender.

Pre-approval helps you in other ways. Consider this scenario. A home seller gets two similar offers. One is accompanied by a letter from the buyer's bank that states she is pre-approved for a mortgage in the amount of the offer. The other has no supporting documents. Which offer do you think the seller will consider first?


Step 4, Determine Your Wants and Needs
Buying a home isn't as difficult as you might think, even if you're short on funds, but the process will go a lot smoother if you get familiar with your real estate market and narrow down your wants and needs before you start looking at houses.


Step 5, Learn to Work with Real Estate Agents
Real estate agents represent buyers, sellers, or both--and in some states they can work as neutral facilitators for either party. It's essential to understand agent duties and loyalties before you make that first phone call.


Step 6, Start Searching for a Home
Your agent will give you multiple listing sheets to study. I'm sure you'll also pick up House For Sale magazines and read classified ads in your local newspapers. You'll probably spend time surfing the Internet for homes. You might even plan afternoon drives to preview neighborhoods. Those are all excellent ways to see what's available. Here are some tools to help you narrow your home buying search.


Home Buying Search Tools:

  • Consider the Houses that Others Overlook
  • It's Time to Find Out What's Out There
  • Search Public Versions of Multiple Listing Service Web Sites
  • Find Real Estate Agent Web Sites
  • Browse Real Estate Search Engines and Networks
  • Find For Sale By Owner Properties
  • Look at Print Magazines
  • Find Foreclosed Homes

    • Step 7, Handle Pre-Offer Tasks
    Deciding whether or not you want to buy a house involves a look at its structure and its features, but there are many other topics that are every bit as important to your purchase.

  • How's the Resale Potential?
  • Contract Contingency Basics
  • What Kind of House Is It? Site Built, Modular, Manufactured
  • Do Others Have a Right to Use the Property?
  • Can You Live with the Deed Restrictions?
  • Is the Reported Square Footage Accurate?
  • Is the Heating System Efficient?

    • Step 8, Make an Offer
    There's no one set of instructions that can cover all the differences in real estate laws and customs that exist throughout the United States, so the mechanics of making an offer and its specific contingencies depend greatly on your location. However, there are some home buying tips that can help you fine-tune your offer, no matter where you live.


    Step 9, Home Inspections and Other Tests
    Home inspections are accomplished after an offer is finalized. It's critical to decide which inspections and tests you want to perform.

    Talk with your real estate agent to find out when inspections should be handled and if additional types of testing are important for your specific area.


    Step 10, Avoiding and Correcting Last Minute Problems
    As your closing date nears, everyone involved in your real estate transaction should check its progress on a daily basis, because staying on top of things means you'll know immediately if there's a problem that must be dealt with. Here's a bit of information that focuses on a few common problems that home buyers must deal with before they close on a house.


    Step 11, You're on the Way to Closing
    Most of your home buying problems are behind you now and you're on your way to closing, also called settlement, the event that transfers ownership of the property to you. Just a few more things to learn, a few more things to do, and you're there!


    Closing Thoughts
    The steps outlined in this article are a general home buying guide. You will encounter issues specific to your location and your transaction, issues that can best be explained and handled by your local real estate agent.

    Never hesitate to ask questions. Ask as many questions as necessary to help you understand the entire home buying process. You are making a long term commitment and spending a major amount of money--you'll feel much better about the transaction if you stay informed and understand what's happening every step along the way.