Home Buyers

Here are some of the benefits you'll receive when you hire CHARLESGATE as your Trusted Buyer's Agent:

1.

Knowledgeable, professional, and proven team of realtors who represent you.

2.

Thorough consultation to determine your unique wants and needs in a home.

3.

Keeping you informed and delivering opportunities to view homes not yet on the market.

4.

Organizing and scheduling homes to view based upon your specific criteria.

5.

Personally touring homes and neighborhoods with you.

6.

Advice on making offers based on an expert market evaluation and analysis of other homes sold.

7.

Committed allies who will complete your purchase contract, present your offer, and negotiate on your behalf.

8.

Preparations of all disclosures and documents, and guidance through the escrow process.

9.

Assistance with any post-closing questions

The Home Buying Process

01The Negotiation
02Due Diligence
03Obtaining a Mortgage
04The Closing

Once you find a home you would like to buy, you will submit a purchase offer and negotiate all of the contract details with the seller. This process typically takes 1-3 days.

Once negotiations are complete, the process kicks into overdrive for a period of 10 - 14 days. During this time you will conduct a home inspection, review the financial and legal records of the association (if you’re buying a condo), communicate with your lawyer about the full purchase contract details, and start the next step of obtaining a mortgage.

By this point, you will have been pre-approved for a mortgage, and now will complete the full loan application. You will provide your mortgage rep with all necessary verification documents and decide on a loan program. The bank will review your documents, conduct an appraisal on the property and provide final approval on your loan in about 2-3 weeks.

The closing is scheduled at a convenient date for both the buyer and the seller and is part of the negotiation process at the beginning. It generally takes place 4-5 weeks after the purchase contract is signed, allowing the bank time to approve and fund your home loan, and the closing attorney time to verify a clear title for the property.

We typically recommend you begin your home search 6-8 months ahead of the time you need to move to give yourself plenty of time to learn the market, obtain a mortgage and find your perfect home!