HOME BUYING IN 6 STEPS

the home price is essential, knowing how much you can afford is more important

Start Homeownership:

Have solid credit history
Shop around for mortgage approval
Learn and ask for all loan programs available
Find a reputable real estate professional

Savings for a down payment or closing costs

Let Divvy Real Estate assist you on this journey!

The real estate professional:

Interview has many until you feel comfortable on what professional will guide you on your decision
The contract and disclosures should always be discussed, all questions should have an answer, if not contact a real estate attorney to provide any legal counsel
Give you expectations and timelines needed for seamless sale or purchase
Marketing cost and how much exposure you'll need for selling

The property:

Learn the history of the lot, each house, townhouse, condo, or manufactured home has it own criteria- Let Divvy Real Estate explain
HOA, special assessments, tax code districts need to be addressed and explained
Land purchase of vacant, or improved could pose many layers of ownership or use restrictions
Property taxes and insurance need to be discussed before submitting an offer

The offer submission:

Divvy Real Estate will explain the dates and deadlines to protect you earnest money
Terms that make sense for both Buyer and Seller of transaction
Going under contract and understanding the inspection and timeframe
Keeping daily activity with your lender and what needs to be done before closing on finance side
Giving you the correct counsel when to stay in contract or move on durning critical dates and deadlines

The lender for mortgage loan:

Divvy Real Estate will ensure your already pre-approved before actual home search, and will make sure lender, broker, or bank is updated on search and criteria
Not all loans and lenders are alike, we can explain the difference between pre-approved and pre-qualified and what gives a you better chance on offer situation
Dates and deadlines need to be achieved to have a successful closing and Divvy Real Estate will be on top on that for you with your mortgage lender

The closing:

Previewing the property 24 hours before, or right before closing is crucial

Making sure you have the best insurance policy before closing

Understand the settlement statement and working with title to get the financial terms and explanation at closing

HOME BUYING IN 6 STEPS

Start Homeownership:

Have solid credit history

Shop around for mortgage approval

Learn and ask for all loan programs available

Find a reputable real estate professional

Savings for a down payment or closing costs​​ ​ Let Divvy Real Estate assist you on this journey!

The real estate professional:

Interview has many until you feel comfortable on what professional will guide you on your decision

​

​​The contract and disclosures should always be discussed, all questions should have an answer, if not contact a real estate attorney to provide any legal counsel

Give you expectations and timelines needed for seamless sale or purchase

Marketing cost and how much exposure you'll need for selling​

The property:

​Learn the history of the lot, each house, townhouse, condo, or manufactured home has it own criteria- Let Divvy Real Estate explain

HOA, special assessments, tax code districts need to be addressed and explained

Land purchase of vacant, or improved could pose many layers of ownership or use restrictions ​

Property taxes and insurance need to be discussed before submitting an offer

The offer submission:

Divvy Real Estate will explain the dates and deadlines to protect you earnest money

Terms that make sense for both Buyer and Seller of transaction

Going under contract and understanding the inspection and timeframe

Keeping daily activity with your lender and what needs to be done before closing on finance side

Giving you the correct counsel when to stay in contract or move on durning critical dates and deadlines

The lender for mortgage loan:

Divvy Real Estate will ensure your already pre-approved before actual home search, and will make sure lender, broker, or bank is updated on search and criteria

​

Not all loans and lenders are alike, we can explain the difference between pre-approved and pre-qualified and what gives a you better chance on offer situation​​

Dates and deadlines need to be achieved to have a successful closing and Divvy Real Estate will be on top on that for you with your mortgage lender

The closing:

Previewing the property 24 hours before, or right before closing is crucial

​

​

Making sure you have the best insurance policy before closing

​

Understand the settlement statement and working with title to get the financial terms and explanation at closing

Savings for a down payment or closing costs

Let Divvy Real Estate assist you on this journey!

The contract and disclosures should always be discussed, all questions should have an answer, if not contact a real estate attorney to provide any legal counsel

Marketing cost and how much exposure you'll need for selling

Learn the history of the lot, each house, townhouse, condo, or manufactured home has it own criteria- Let Divvy Real Estate explain

Land purchase of vacant, or improved could pose many layers of ownership or use restrictions

Not all loans and lenders are alike, we can explain the difference between pre-approved and pre-qualified and what gives a you better chance on offer situation