Home Purchase

Purchasing a home is a significant financial and life decision, and the process can be complex. Let us guide you through this process and offer you support and help when you need it. Here are the key steps involved in a typical home purchase:

1. Speak to a Mortgage Broker:

Contact a mortgage lender or broker, like the ones at R&J Capital Group, to get pre-approved for a mortgage loan. Having a Pre-approval will give you a better idea of your budget and can make you a more attractive buyer to sellers. Once you do this you will be able to find a real estate agent, start looking for your home, and making an offer once you find the home you love.

2. Contract and Due Diligence:

Once the offer is accepted, you’ll sign a purchase agreement. During this period, we will conduct conduct further due diligence, like finalizing your mortgage program, getting a title search, and securing homeowner’s insurance.

3. Closing:

Closing is the final step. It involves signing all the necessary paperwork, transferring funds, and receiving the keys to your new home. Both parties (buyer and seller) are present, along with the lender, real estate agents, and a closing agent or attorney.

It’s important to note that the home buying process can vary based on location, local regulations, and individual circumstances. It’s essential to work with professionals, such as a real estate agent, a mortgage broker, and an attorney, if necessary, to navigate the process successfully. 

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