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Jodie Guedon
31 Mill Creek Rd SE, Shelton, WA 

360-426-5555
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9 Steps to Owning

The 9 Steps to Home Ownership

Step - 1 Make the Decision to Buy

It seems obvious, but it's good to note that the first step to buying a house is making the decision to buy. Consider the reasons you want a new house and write them down. Determine how long you want to live in the new house - does buying still make good financial sense? Can you afford a house that will meet your list of requirements? A good rule of thumb is your mortgage payment should not exceed 1/3 of your net monthly income.

Step 2 - Seek Professional Guidance

One of our agents will be happy to meet with you to hear the reasons you want to buy a house and your plans for the future. We'll talk about neighborhoods, schools, economic factors liable to affect the market today and tomorrow, as well as how you would like your house and neighborhood to grow with you.

At this time, it is also a good idea to get pre-qualified for a mortgage loan. Pre-qualification is a written statement from a loan officer indicating his or her opinion that you will be approved for a mortgage loan up to a certain amount. The fact that you are pre-qualified will help us when we are negotiating the deal.

Step 3 - Begin the Hunt

After our initial meeting, our agent will search all our resources for houses on the market that fit your criteria. He or she review these houses to eliminate the duds. You may like to do some "drive-bys" of your own, so we will email listings with directions.  Then, our agent will schedule appointments to tour the houses at times convenient to you.

As we tour houses, our agent will point out positive features and negative features. He or she will ask you to tell what you like and what you don't like. You'll probably amend your "wish list" as you tour houses, some things will become more important and others less important. With this new information, our agent can refine your search criteria to narrow in on the house of your dreams.

Step 4 - Know the Market

Our knowledge of the local market is an essential factor in the house search. Our agents will let you know when the market in a particular neighborhood is "hot" and requires immediate action or when the market is "cool" and allows for thoughtful consideration.

As you tour houses, your agent will let you know when the asking price has negotiating room and when the house is "priced to sell". Our unique market knowledge will keep you a step ahead of the "house hunting competition".  As the area's namesake real estate office, we have an edge on knowing the market. 

In a "seller's market". It is not unusual to see multiple offers on a property, full-price offers and even above-price offers. On the flip side, during a "buyer's market" there are more houses for sale than buyers. This gives us more negotiating room as houses are taking longer to sell.

Step 5 - Find Your Dream House

We are confident that we can help you find your dream house. When we do, our agent will put together the purchase offer tailored for your needs including appropriate contingencies (such as obtaining financing, favorable home inspection, clear title, etc.).

The offer is normally presented with "earnest money". This is a cash deposit made to a home seller to secure an offer to buy the property. The amount is applied to closing costs. If the seller accepts the offer, generally closing is held 30 to 60 days from the offer date (generally dependent on the turn around time of your mortgage financing).

Step 6 - Negotiate the Deal

It is not uncommon to receive a counter offer when the initial purchase offer is submitted. Don't let this discourage you.  Our agent will discuss the counter offer with you and help you decide whether or not to accept the counter offer, submit your own counter offer, or reject the counter offer and move on.

Market conditions will play a role in how aggressively we negotiate the deal. Our agent will work within your limits. Emotions can lead to buyer's remorse. It is better to set limits prior to negotiating an offer and stick to these limits.

Step 7 - Get a Loan

During the closing period, you will be working with your mortgage lender to close the loan. Since you pre-qualified for the loan before starting your home search, you will be that much closer to the end. I'll gather the necessary property information your lender will need to close the loan. 

Step 8 - Close the Deal

You will receive a "Good Faith Estimate" of closing costs at the time the loan application is submitted to the lender. The estimate is based on the loan officer's past experience and may not include all the closing costs. Your agent will be glad to review the "Good Faith Estimate," answering questions and highlighting missing costs and estimates he or she believes to be low. 

Step 9 - Move In

Congratulations! It's time to move into your new house and make it your home. Enjoy this exciting time. We can give you a checklist to help you remember the numerous details that will make your moving day a pleasure.


Shelton Land and Homes, LLC | 360-426-5555 | Contact Us 
P.O. Box 1639, SE 31 Mill Creek Road - Shelton, WA 98584
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