Are you contemplating buying your home in Ukiah? Mike Gott - Realty World Selzer Realty Inc can help.

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Step 1 – Get ready to buy
There are several things you need to contemplate prior to beginning your home search. It's likely that you'll want to make an outline of features you need, get a feeling for what neighborhoods you'd like to live in, and start planning your budget. Ensuring your mortgage payment is no more than a third of your monthly income is a good guideline to follow.

Step 2 – Get in touch with a real estate agent
This is where Mike Gott - Realty World Selzer Realty Inc comes in. I'd be happy to set up a time to get together with you and communicate with you regarding your real estate needs and get an idea of your future plans. We'll discuss neighborhoods, school districts in the Ukiah area, the mortgage industry, and any additional economic factors that could affect your purchase today or in the future.

I can also help you facilitate the loan process. I partner with some of the best mortgage professionals in Ukiah, so you can rest assured that you're in great hands. They will assist you with choosing which type of loan is best for you and help you get approved.

Step 3 – Start house hunting
After our initial meeting, I'll begin looking for available homes on the market that are a good fit for you. I'll preview many of the homes and remove the duds, and then we'll book appointments to tour the homes at a time that's convenient for you.

As we tour homes, I'll point out good features, as well as bad ones. I'll even ask you about things you like and don't like. It's pretty common for buyers to change their list of must-haves as we tour houses and some things become far more crucial than others. If such is the case, I'll look through the listings one more time and trim it down to the home you've been wishing for.

Step 4 – Understand the housing market
Your agent's knowledge of the Ukiah market is a fundamental aspect in your home search. And I assure you I'm acquainted with all the neighborhoods and school districts, and I can let you know some areas are "hot" and require prompt action and some that are "cold" and allow for careful consideration.

When we tour houses, I'll be sure to tell you if the seller's list price has room for negotiation or if I believe the home is "priced to sell." Be on guard and be sure to ask plenty of questions, as any real estate agent in Ukiah will claim to comprehend the housing market. If things don't add up, contact me at (707)467-3686 or e-mail me at mike.gott@gmail.com, and I'd be glad to answer any questions you may have. My market knowledge will help you stay a step above the rest throughout the entire process.

Step 5 – Find the house you've been waiting for
I'm certain we'll find the house of your dreams in Ukiah. When that happens, I'll thoroughly create your home purchase offer. The offer will be tailored with your needs in mind, including a lot of contingencies. A few examples are getting financing, completing the home inspection, and a clean title.

When submitting your purchase offer, you'll probably want to present "earnest money." This is a cash deposit submitted to a home seller to secure an offer to purchase the property. The amount is typically put towards the closing costs. If the seller accepts the offer, we should close about 30 to 60 days after. This allows sufficient time for your mortgage financing.

Step 6 – Negotiate the deal
Unfortunately most contracts don't close on the beginning offer. It's widely common to receive a counter offer. But don't let this intimidate you. We'll discuss whether or not to consent to the counter offer, present our own counter offer, or refuse the seller's offer and go on.

Market circumstances determine how aggressively we negotiate the contract. We'll also work within your financing budget. And at the end of the day, we'll put together a deal that is best for you.

Step 7 – Secure your loan
Once the contract is complete, you'll begin working with your lender to close the loan. It won't take long at all if you've been pre-qualified, but you'll need to keep in close contact with your lender. And I'll care for all the property information your mortgage lender will need to close the loan.

Step 8 – Close the deal
You'll get a Good Faith Estimate (GFE) outlining your closing costs from your mortgage lender within three days of receiving your application. The estimate is formed from the loan amount. RESPA requirements dictate that it has to involve all closing costs and be within a close range of accuracy, and I'll study the estimate and let you know if everything looks permissible.

Then it's time to close on your house. This will most often occur at a title company or escrow office and will most often be a smooth and relaxed occurrence.

Step 9 – Move in
Success! Now you can move into your new home. Enjoy it. And if you need anything, be sure to call me at (707)467-3686 or send me an e-mail.