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Discover the array of services and advantages awaiting you at every stage of your home-buying expedition with Jen.
Well, hello. Selecting an agent is a highly personal decision. You trust them to advise you through one of the
biggest decisions of your life. And it's not a responsibility we take lightly. Through personal and diligent work with
our clients, we've come to understand what's important to them, establishing a sense of confidence and comfort.
Shall we begin? Now is the time we get to know you, your needs, hopes, and dreams for homeownership. From
spearheading your search to providing crucial feedback along the way, your agent is your partner from start to
finish, and then some.
When it comes to real estate, money talks. Before you begin the search, you'll want financing pre-approval.
Pre-approval is different from pre-qualifying, as it means a full loan approval, not just an opinion letter. Determining the loan amount you qualify for Will help you set your price range. Unless you're paying in cash, of course.
We'll connect you with a mortgage broker, who'll determine how much a bank Will lend you. This process Will help
you understand the variety of financing options and what your down payment Will be while placing you in a better
negotiating position in the seller's eyes.
What should I not do when applying for a home loan?
A little self-control goes a long way. Applying for a home loan is a sensitive process. Here's what to avoid when
seeking financing.
Don't buy or lease a car before you apply.
Lenders look at your debt-to-income ratio. A large payment or other significant purchase can impact that ratio and prevent you from qualifying for a loan.
Hold off on buying the furniture and appliances.
You don't want to add big, new purchases to your debt or take from your available funds for closing costs. We repeat: put the credit card away.
Don't attempt to consolidate bills before speaking with your lender.
It's not the time to go rogue with your finances. Talk with the experts first.
Don't move assets from one bank account to another.
Transfers appear as new deposits, which can complicate the application process. You'd have to disclose the
source of funds for each new account. So, just skip the headache.
Don't change jobs.
A new job may require a probation period before income from the new job can be considered for
qualifying purposes.
Don't run your own credit report.
It Will show up on your lender's credit report and need to be explained in writing,
The fun begins. What kind of property are you looking for?
A house, a condo, a townhome, a buildable Iot, a log cabin, a cottage on Puget Sound—the possibilities are endless.
What are my needs, wants, and can't live withouts?
A yard, pool, rooftop terrace, car collector's garage, vineyard, helipad. Don't hold back. We're dreamers ourselves.
What are your preferred neighborhoods?
We'll check out a range of neighborhoods and share all of our local knowledge and insight to help determine your ideal location.
When do I need to close?
Move into your new home in time for your favorite holiday. Your downtown Ioft in time to start the new job. Your house before the start of the school year. We got this.
Home tours. We're in this together.
Let's go hunting. We are always happy to preview properties so you don't have to waste a Sunday afternoon at the wrong home. As we shop around at showings and open houses, we'll further refine the search and adapt to your needs.
We've found it. Just like we knew we would.
Once we've found the one for you, we prepare an Offer.
Not too high. Not too low. Just right.
An Offer, if accepted by the seller, creates a non-binding agreement for the purchase of the home. The seller Will likely return with a "counteroffer," which you can accept, reject or counter.
This happens to be our expertise. Our passion. Our time to shine.
We'll represent you at the negotiating table to reach an agreement with the seller on the final price and contract terms. In multiple-offer situations, our experience, knowledge, and strategic thinking are huge assets.
We'll get the details and handle them for you.
We Will take the time to analyze and walk you through the contract, disclosures, and other agreements to protect your interests.
Here we go.
We submit your final Offer, which includes the contract and disclosure package. Once the seller approves, you're one step closer to being a homeowner.
The "sit back and wait" phase.
Now that your Offer is accepted, the tender underwriting phase begins. They may ask for more documents along the way. The lender also orders an appraisal of the property.
So what is it?
Pardon the legal jargon, but escrow is the process whereby parties to the real estate transaction deposit documents, funds, or other things of value with a neutral, disinterested third party (the escrow agent). These are held in trust until a specific event or condition takes place according to specific, mutual written instructions from the parties. In other words, escrow is essentially a clearinghouse for the receipt, exchange, and
distribution of the items needed to transfer or finance real estate. When all conditions are met, a distribution or transfer takes place, the transaction occurs and the escrow is "closed." Don't worry, we'll walk you through it.
We're getting close.
This is when all final inspections are held, contingencies are removed by the deadlines requested in your Offer, and final documents are signed.
Final walk-through. Now, we're excited.
We're there to button up those last details.
Final approval from the lender.
Big box, checked.
The closing. Cue music: looks like we made it.
The last documents are signed, final deposits made, escrow closes.
Delivery of keys and move-in.
We did it! Drinks are on us.
We've only just begun.
This is only the beginning. We're here for anything you need. Contractors, designers, painters, plumbers, house-sitting. Maybe we'll pass on babysitting.
Fill out the form below to gain access to our full buyer’s guide! Which upon entering their information will open the buyers guide.