Memphis TN Real Estate -Home Buying Process

Joe Spake Memphis Real Estate
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Joe Spake
Direct    (901) 274-1847
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Office (901) 725-7766
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Direct    (901) 274-1847
Toll Free(877) 298-2303
Fax       (866) 346-9510
Office (901) 725-7766
Email Joe
Text Joe via Email
       or
Text to: (901)870-3440

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The Home Buying Process

If you have specific questions, call or e-mail me anytime.

Initial Consultation Determine your priorities and needs Review "agency" choices and select appropriate working relationship Discuss Financing		Obtaining Financing
		Find a Mortgage Company
Finding the Right Home Sales associate to show you properties based on your criteria Evaluate each property with sales associate Choose the right home		Consult a loan officer Pre-qualification Complete loan application Obtain loan pre-approval Provide requested documentation

Preparing an offer Review comparable sales to determine offer price Review progress of loan pre-approval: decide on financing Decide on other terms (inspections, possession date, personal property, etc.) Prepare earnest money deposit

Reaching an Agreement with a Seller Present your offer Negotiation of terms and possible counteroffers Agreed-upon sales contract with seller

Completing the Settlement Process Deposit of earnest money Review seller's property disclosures Review preliminary title report Roof, termite and other inspections Remove any remaining contingencies Arrange for homeowner's insurance Arrange for home warranty Arrange for movers Final walk-through of property with sales associate Provide balance of down payment and closing costs Sign documents Loan funding Recording of title Receive keys from sales associate Move in!		Property Appraisal Loan Processing Final loan approval

Joe Spake is a Tennessee licensed Real Estate Broker - Lic.# 00259388
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