6 steps on
how to buy


Choose a loan officer/ mortgage specialist.
Get pre-approved.
Determine what you want to pay and select a loan option.

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Calculations do not include mortgage insurance premium for those financing with less than 20% downpayment.


Hire your Agent. The typical real estate transaction involves at least two dozen separate individuals - insurance assessors, mortgage brokers and underwriters, inspectors, appraisers, escrow officers, buyer's agents, seller's agents, bankers, title researchers, and a number of other individuals whose actions and decisions have to be orchestrated in order to perform in harmony and get a home sale closed. It is the responsibility of your real estate agent to expertly coordinate all the professionals involved in your home purchase and to act as the advocate for you and your interests throughout.

Set up a meeting with the Edwards Team


Make an offer. When searching for your dream home, you were just that-a dreamer. Now that you're writing an offer, you need to be a businessperson. You need to approach this process with a cool head and a realistic perspective of your market. The three basic components of an offer are price, terms, and contingencies. The right price to offer must fairly reflect the true market value of the home you want to buy. Your agent's market research will guide this decision.


Unlike most major purchases, once you buy a home, you can't return it if something breaks or doesn't quite work like it's supposed to. That's why asking for the sellers to provide a home warranty, getting a thorough property inspection and obtaining home owner's insurance is so important.

Home warrantyHome inspectionHome owner's insurance policy


The final stage of the home buying process is the lender's confirmation of the home's value and legal statue, and your continued credit-worthiness. This entails a survey, appraisal, title search, and a final check of your credit and finance. Your agent will keep you posted on how every aspect is progressing. Remember to switch utilities to your name, bring funds necessary to close and a valid state-issued identification.

Switch utilties