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Are you looking to buy your new home in Delray Beach? D'Addio Realty can help.

Purchasing a home is an intimidating event for most people. However, with a bit of up-front planning, it isn't that complex. I like to give buyers a road map of the entire deal so they understand exactly what they can expect. Below are my nine steps to purchasing a home. Should you have any questions regarding any of this information or if you're prepared to get started, you can contact me here or e-mail me at .

Step 1 – Prepare to purchase
There are many things you should do before starting your home search. When you start your search, you'll probably want to put together a list of features you want to have, plan for what school districts you'd like to live in, and begin planning around your budget. A good principle to go by is that your mortgage payment should be less than or close to 1/3 of your net monthly income.

Step 2 – Connect with a real estate agent
That's where I can help. We can plan a time to meet so we can talk about your real estate needs and get an idea of your plans for the future. We'll discuss everything from neighborhoods, school districts in the Delray Beach area, the mortgage industry, to any other economic factors that may affect your purchase today or in the future.

I can also help you get started on your loan. There are some great mortgage professionals in Delray Beach, and I work with a lot of them, so you're in great hands. They can assist you with determining which type of loan is best for you and help you get qualified.

Step 3 – Start your search
After we meet for the first time, I'll begin finding available homes on the market that best suit you. I'll get a sneak peek of many of the houses and eliminate the duds, and then we'll schedule appointments to view the homes whenever it's convenient for you.

When we tour houses, I'll show you the positive features and bad ones. I'll even ask you to tell us about things you like and dislike. Generally, buyers change their wish list as we view homes and some items become more essential than others. If that happens, I'll go back through all the listings another time and trim it down to the house of your dreams.

Step 4 – Comprehend the housing market
My knowledge of the Delray Beach home market is a leading component in your house search. I am acquainted with all the schools and neighborhoods, and I'll alert you to what areas are "hot" and require prompt action and the ones that are "cold" and allow for careful consideration.

When we view homes, I'll let you know if the list price has room for negotiation or if I believe the house is "priced to sell." Every REALTOR will claim to truly know the home market, but be on guard, and be sure to ask lots of questions. If it doesn't seem like they know everything, just call me at (561) 212-3347 or e-mail me at , and I'd be glad to answer any questions you might have. My market knowledge will keep you a step above the rest through the entire deal.

Step 5 – Find the home of your dreams
We'll find the home of your dreams in the Delray Beach area, and when that happens, I'll meticulously create your purchase offer. The offer will be tailored with your needs in mind and the home, including several contingencies. A few examples are getting financing, carrying out the inspection, and a clean title.

When presenting your offer, you'll need to present "earnest money." This is a cash deposit given to a home seller to secure the offer to purchase the property and is typically put towards the closing costs. If the seller accepts your offer, we should close on the property within 30 to 60 days afterward. This allows ample time for your mortgage financing.

Step 6 – Negotiate
Most deals don't close on the first offer – it's very common to receive a counter offer. Don't let this intimidate you. We'll talk about whether or not to agree to the counter offer, propose our own counter offer, or decline the seller's offer and go on.

Market conditions determine how aggressively we negotiate the deal. In addition, we'll work within your financing limits. And at the end of the day, we'll put together a contract that works well for you.

Step 7 – Get a loan
Upon completion of the contract, you'll start working with your mortgage lender to close the loan. If you're already pre-qualified, it won't be a long process at all, but you need to stay in close contact with your mortgage lender. And I'll deal with all the property information your mortgage lender will need to close the loan.

Step 8 – Close the deal
Your lender will provide you with a Loan Estimate (LE) detailing closing costs within three days of taking your loan application. You'll get a Loan Estimate (LE) detailing your closing costs from your mortgage lender within three days of getting your application. This estimate rests on the loan amount, and RESPA requirements require that it has to include all closing costs and be within a close range of accuracy. I'll analyze the estimate and let you know if it all looks all right.

Then it's time to close on your home. This will most likely happen at a title company or escrow office and will likely be a smooth and comfortable occasion.

Step 9 – Move in
Congratulations! It's time to move into your new home. Enjoy it. And if you have any questions, be sure to contact me at (561) 212-3347 or e-mail me at .

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