Buying or selling a home in Port St Lucie? ReMax Master Piece Realty can help.

Purchasing a home can be stressful for most people, but it's not very hard with a bit of up-front planning. So you'll understand exactly what to expect, I like to give my buyers a road map of the entire deal. Here are my nine steps to buying a home.

If you have questions about any of this information or if you're ready to get started, just contact me here or send e-mail to shandajlamb1@gmail.com.

Step 1 - Get ready to purchase
Before you begin looking for a home, there are many things you should do. It's likely that you'll want to create an outline of items you want, plan for what school districts and neighborhoods you'd like to live in, and start planning around your budget. Ensuring your mortgage payment is around 30 percent of your net monthly income is a good rule to adhere to.

Step 2 - Speak with a real estate agent in Port St Lucie
That's where I can help. I'll plan a time to get together so we can talk about your real estate needs and get an idea of your plans for the future. We'll talk about neighborhoods, school districts in the Port St Lucie area, the mortgage industry, and any additional economic factors that could affect your buying decision today or in the future.

In addition, I'll assist you in getting started on your loan. ReMax Master Piece Realty works with some of Port St Lucie's best mortgage professionals, so you're in great hands. They will assist you in choosing which type of loan is best for you and help you get approved.

Step 3 - Begin looking
After we meet, I'll start looking for houses on the market that are great for you. I'll get a sneak peek of most of the houses and eliminate the bad ones, and then we'll schedule appointments to tour the houses whenever it's most convenient for you.

As we tour houses, I'll call attention to positive features, as well as negative ones. I'll also ask you about things you like and dislike. For the most part, buyers amend their wish list as we tour houses and some things become more substantial than others. If that's the case, I'll search all the listings once again and narrow it down to the home you've been wishing for.

Step 4 - Understand the market
My awareness of the Port St Lucie home market is an indispensable benefit in your home search. I'm acquainted with all the school districts and neighborhoods, and I will alert you to certain areas are "hot" and warrant immediate action and the ones that are "cold" and allow for cautiousness.

As we tour houses, I'll be sure to tell you when the asking price has room for negotiation and when I think the house is "priced to sell." Be mindful and be sure to ask a lot of questions, as every REALTOR will convince you they truly know the housing market. If it doesn't seem like they know everything, just call me at 772-924-4004 or e-mail me at shandajlamb1@gmail.com, and I'd be more than happy to answer any questions you have. My market knowledge will help you stay a step above the rest through the entire process.

Step 5 - Find the home of your dreams
I'm sure we'll find your dream house in the Port St Lucie area. When that happens, I'll precisely develop your home purchase offer. The offer will be tailored keeping your needs in mind, including several contingencies, such as obtaining financing, finishing the inspection, and a clear title.

Let ReMax Master Piece Realty guide you through finding your dream home in Port St Lucie Upon presenting your purchase offer, you'll need to present "earnest money." This is a cash deposit made to a home seller to secure an offer to buy the property, and it's usually applied to the cost of closing. If the offer is accepted, we should close on the home within 30 to 60 days after. This allows sufficient time for your mortgage financing.

Step 6 - Negotiate the deal
Most contracts aren't closed on the beginning offer. It's extremely common to receive a counter offer. Don't let this intimidate you. We'll discuss whether or not to consent to the counter offer, propose our own counter offer, or refuse the seller's offer and move on.

How aggressively we negotiate the deal depends on the state of the market. In addition, we'll work within your financing budget. And at the end of the day, we'll formulate a contract that works well for you.

Step 7 - Get financing
Once we sign the final sales contract, you'll start working with your lender to close the loan. If you're already pre-qualified, this won't be a long process at all, but you'll want to keep in close contact with your mortgage lender. And I'll look after all the property information your lender needs to close the loan.>

Step 8 - Close the deal
Your lender will provide you with a Loan Estimate (LE) detailing your closing costs within three days of accepting your loan application. The estimate is formed from the loan amount. RESPA requirements mandate that it has to involve all closing costs and fall within a narrow range of accuracy, and I'll examine the estimate and let you know if everything looks all right.

Then we'll close on your home. This will most often happen at a title company or escrow office and should be a smooth and stress-free affair.

Step 9 - Move in
Success! It's time to move into your new house. Enjoy it. And if you need anything or have any questions, just contact me at 772-924-4004 or send me an e-mail.

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