Welcome to the home buyers section assisting buyers looking for Cape Girardeau real estate and homes for sale in the surrounding areas. The home finding process typically includes many of the following elements. For additional information, or to get started, please contact me.
Initial Consultation
- Determine your needs and priorities
- Review "agency" choices and select appropriate working relationship
- Discuss financing options
- Obtain Financing
- Find a mortgage company
- Consult with a loan officer
- Pre-qualification
- Complete loan application
- Obtain loan pre-approval
- Provide requested documentation
Finding the Right Home
- Sales associate to show you properties based on your criteria
- Evaluate each property with sales associate
- Choose the right home
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 homeowners 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
- Obtain Financing
- Property appraisal
- Loan processing
- Final loan approval
- Recording of title
- Receive keys from sales associate
- Move in!
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Prudential Bridge Port Inc.
109 S. Broadview • Cape Girardeau, MO 63703
Phone: (573)576-4724 • Fax: (573)335-3700
