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Steps to buy a house in Rockland county New York

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Steps to Buy a House: A Guide for First-Time Home Buyers

By Realtor.com Team | May 14, 2015

The steps to buy a house might seem complicated at first. It’s no wonder first time home buyers wondering how to purchase a home often feel overwhelmed. But if you dream of owning a home, it’s essential you know what to do and who to turn to, right? Plus, the home buying process is not as scary as it might seem at first. Just check out these 10 straightforward steps to buy a home, and you’re well on your way!

Steps to buy a house

1. Are you ready to become a homeowner?

Whether you’re becoming a homeowner for the first time or you’re a repeat buyer, buying a house is a financial and emotional decision that requires the experience and support of a team of reliable professionals. These folks know how to purchase a home from beginning to end, so lean on them! That’s what they’re there to do.

2. Get a Realtor®

In the maze of forms, financing, inspections, marketing, pricing, and negotiating, it makes sense to work with professionals who know the community and much more. Those professionals are the local Realtors who serve your area.

3. Get a mortgage pre-approval

Most first-time buyers need to finance their home purchase, and a consultation with a mortgage lender is a crucial step in the process. Find out how much you can afford before you begin your home search.

4. Look at homes

A quick search on our site will bring up thousands of homes for sale.  Educating yourself on your local market and working with an experienced Realtor can help you narrow your priorities and make an informed decision about which home to choose.

5. Choose a home

While no one can know for sure what will happen to housing values, if you choose to buy a home that meets your needs and priorities, you’ll be happy living in it for years to come.

6. Get funding

The cost of financing your home purchase is usually greater than the price of the home itself (after interest, closing costs, and taxes are added). Get as much information as possible regarding your mortgage options and other costs.

7. Make an offer

While much attention is paid to the asking price of a home, a proposal to buy includes both the price and terms. In some cases, terms can represent thousands of dollars in additional value—or additional costs—for buyers.

8. Get insurance

No sensible car owner would drive without insurance, so it figures that no homeowner should be without insurance, either. Real estate insurance protects owners in the event of catastrophe. If something goes wrong, insurance can be the bargain of a lifetime.

9. Closing

The closing process, which in different parts of the country is also known as “settlement” or “escrow,” is increasingly computerized and automated. In practice, closings bring together a variety of parties who are part of the real estate transaction.

10. What’s next?

You’ve done it. You’ve looked at properties, made an offer, obtained financing, and gone to closing. The home is yours. Is there any more to the home-buying process? Whether you’re a first-time buyer or a repeat buyer, you’ll want to take several more steps.

Bottom line: the steps to buy a home require a lot of work, but once you get to the end, you’ve got a pretty sweet reward!

Posted in: Uncategorized Tagged: best, nanuet, new york, reaeltors, real estate agents, rockland county

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About Agent

Started doing appraisals in 2002 and went into Real estate sales in 2004.

Started with Weachert, Realtors in 2004 went to Keller Williams Realty from 2007 to 2017, opened my own brokerage in 2017, found out how expensive it is and with eRealty Advisers, Inc from 2018 to Present

I specialize in residential homes sales and working with real estate investors as well.

I also deal with off-market properties that won’t qualify for conventional financing. If you are a house flipper with cash please go to SellHouseNY.com Fair Deal Home Buyer, llc

 

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William Smith

eRealty Advisors

New York State Lic. Real Estate Broker Associate

Cell/Text: (914) 420-1974

Office (914) 712-6330 ext.193
777 Westchester Ave
White Plains, NY 10604

 

eRealty Advisors, Inc.

Cell/Text 914-420-1974 -

Office (914) 712-6330 ext.193

777 Westchester Ave

White Plains, NY 10604

eRealtyAdvisors.com

 

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Disclaimer - The properties in the IDX search pages including the preset searches come from the multiple listing system and may not be listed with William Smith, NYS Lic Associate Broker with eRealty Advisors.

PURSUANT TO REAL PROPRTY LAW §442-H
eRealty Advisors is making this Standardized Operating Procedure available on any publicly available website and mobile device application maintained by the Broker and any of its licensees and teams. eRealty Advisors has copies of these Standardized Operating Procedures available to the public upon request at eRealty Advisors's office location at 777 Westchester Avenue, Suite 101, White Plains, NY

Please be advised that eRealty Advisors:

Does not require 1. Prospective buyer clients to show identification*
Does not require 2. Exclusive buyer broker agreements
Does not require 3. Pre-approval for a mortgage loan / proof of funds*

*Although eRealty Advisors may not require such information, a seller of real estate may require this information prior to showing the property and/or as part of any purchase offer.  Should any seller require such information, eRealty Advisors will provide written support of Seller's requirement

 

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