Buyer's Guide

Everything You Need To Know About The Process Of Buying A New Home.

A Step-by-Step First Time Buyer's Guide

Buying a home is one of the most exciting milestones of your life. To prepare yourself for this moment, you need to know what to expect during the process. This step-by-step first time buyer’s guide created by your agent will help reduce the stress of buying a home and help you enjoy the journey as much as possible.


Step 1: Research

Do you already know where you want to buy? If you want a condo, townhome, or single-family home? Which features do you like and dislike? What’s available on the market now? If you answered no to any of these questions, now is the time to start researching. In addition to looking for homes that interest you, also take note of any changes in asking prices. This could give you valuable insight into housing trends in specific neighborhoods and help you when the time comes to make an offer.


Step 2: Decide on Your Budget

Notice we said to decide on your budget—not determine how much the mortgage company will give you. In many cases, a mortgage company will pre-approve you for more than you’re comfortable spending, which is why you need to determine the monthly payment you feel comfortable with before talking to a lender. This likely includes doing a full household budget and taking into consideration what changes other than a mortgage payment will occur once you move into your new home. If you’ve lived in an apartment or with roommates, you may overlook new expenses like garbage, water, or HOA fees that could easily blow your budget.


Step 3: Get Prequalified

Just because you think you can afford a certain payment every month doesn’t mean the mortgage company will agree. Just as they may approve you for too large of an amount, they may also approve you for a lesser amount or deny you a mortgage altogether. Lack of time at a job, insufficient credit, past bankruptcies, or other financial issues can cause major problems when trying to secure a mortgage. Before you get your heart set on a home, talk to a mortgage professional to find out what amount you can qualify for. This will also be an advantage when you make an offer on a home, as some sellers won’t entertain offers from those who aren’t already prequalified for a loan.


Step 4: Choose a Real Estate Agent

Can you shop for, look at, and ultimately make an offer on a home without a real estate agent? Technically yes, but why would you when it costs you nothing for agents like us to take much of the stress off your shoulders? Not only will we help identify properties you might be interested in, arrange showings, and ultimately handle the offer process, but we also have knowledge of the market that you don’t possess. Finding the perfect home can be a daunting task, this is where our expertise and wealth of knowledge come into play. Let us show you around some homes that meet your dream home criteria so you can find the one that's right for you.

Our goal is to provide you with the most personalized service that is designed to help you buy your dream home

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Step 5: Find the Right Home

This should be the most enjoyable step of the entire process (other than moving in!). We will arrange showings of homes you’re interested in that are within your price range. Take notes about what you like and don’t like, and make sure to pay attention to details. Turn light switches on and off, open and close doors, and run the faucets in various rooms. Don’t limit your inspection to the home itself. Make sure to take time to explore the neighborhood and keep an eye on traffic at certain times of the day, the parking situation, and how close it is to necessities like schools and grocery stores.


Step 6: Make an Offer

Once you have selected the perfect home, work with your agent to craft a fair offer based on the value of comparable homes on the market. Depending on what the home is listed at and whether the current environment is a buyer’s or seller’s market, your offer may be below, at, or even above the asking price. We will be able to help you negotiate if you receive a counteroffer and reach an agreement. At this point, the house will go into escrow.


Step 7: Have the Home Inspected

In most cases, your offer will be contingent on having the home inspected to ensure there is no major structural damage or large repairs needed. We can help you arrange this, and you can schedule it within days of making an offer. If there are no major issues, the process goes to step eight. If there is, you can renegotiate your offer based on what needs to be fixed, or you can withdraw it.


Step 8: Select Your Loan

Now is the time to go back to the mortgage lender who pre-approved or pre-qualified you and choose your mortgage. You will be presented with various options based on your unique financial situation, including fixed-rate, variable-rate, 15-year, 30-year, or special programs such as VA loans or FHA loans. Work with your mortgage lender to select the option you feel the most comfortable with.


Step 9: Get a Home Appraisal

Your lender will have your new home appraised so they have their independent value of it. The appraisal is to ensure that all parties involved are paying a fair price for the house.


Step 10: Finish Paperwork

No one looks forward to all the paperwork involved in buying a home, but it’s a necessary part of the process. Fortunately, everything will be arranged by your lender and title company and, when you’re finished, you’ll know you are the legal owner of your new home.


After signing the final paperwork to complete the purchase, you are now the owner of a new house. It may take a few days for your loan to be funded once the paperwork has been returned to the lender, but once that check is delivered to the seller, you’ll be all set to move into the home of your dreams. 

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It has been my pleasure to work with Rebecca Conley and her awesome support staff in the purchase (and sale) of my principle residence. To say Rebecca epitomizes what all real estate professionals aspire to be, understates her knowledge, care, compassion, and abilities that I had the pleasure to witness firsthand. Rebecca’s knowledge and assistance during every phase of the sale and purchase of my residence was amazing. I had every issue or concern dealt with immediately and resolved. Her concern for her clients was evident when I received at least weekly updates on where we stood in the process and what to look forward to in the coming week. Her knowledge of foreclosed properties sets the industry standard with her team handling over 2000 such properties. Rebecca and her Team, truly fight for her clients and will pursue the client’s best interest to the very end with a positive resolution. I know anyone who is lucky enough to have Rebecca and Team Conley working for them will have an incredible, virtually stress-free property purchase or sale. Out of 10 stars, she ranks a 12!
Team Conley helped me find my new home last year and I couldn’t be happier. They took time to understand what I was looking for and showed me properties that matched my specifications. They also took time to educate me about the market and showed me some properties above and below my price range so that I could better understand what I could get for a little more or a little less money. When I made my decision, I felt well-informed and confident that I was making a good home-buying decision. I believe that the greatest compliment you can pay to a realtor is to use them again for your next home purchase or recommend them to all your friends. I would gladly do both. If you’re looking for a great team to help you find your next home, go with Team Conley.
We would just like to take a few moments of your time to express our deepest gratitude and appreciation for Mrs. Rebecca Conley. We were first-time home buyers who had no idea of what or where to begin when it came to purchasing our first home. By the grace of God, we found Rebecca and Team Conley after months of jumping through hoops with other real estate agents. Mrs. Conley was very knowledgeable, professional, and patient with us. She treated us like family. We highly recommend Mrs. Rebecca Conley and Team Conley for all of your real estate needs.
Team Conley helped me sell me my home during an emotional time, as I transitioned into the next phase of my life. Their professionalism shined through having to deal with a multitude of scenarios throughout the entire process. They took charge with confidence from start to finish negotiating and handling many details over the course of the sale. They are honest, knowledgeable, and professional in every way. I appreciated having Team Conley represent me during a challenging time and helping with get my home sold with a successful outcome.
I know a lot of real estate agents. These days it seems that everyone has a license. My family members have their license and many friends do too but the person I highly recommend and trust to position my home or investments to get the most money out of them is Brent Conley. Very few agents think like him and negotiate tough. I want a tough negotiator working for me. Hire Brent and his team and he will get you all your money and with good terms. I have sold 7 properties with Team Conley.
Rebecca Conley from Solutions Real Estate was nothing short of amazing in my search for a home. Being a first-time home buyer I was nervous about such a large purchase. Rebecca guided me through every step of the way and made such a huge life event a very easy process. She also found a home that was a perfect fit for me. I highly recommend Rebecca and am looking forward to using her in the near future for my second home purchase!
Team Conley did a fantastic job facilitating our purchase and addressed all of our concerns and questions very promptly. If you are looking for someone that has the expertise to navigate any situation that may arise, then Brent and Rebecca are the perfect realtors for you. They are reliable, honest, and prompt. I highly recommend Rebecca should you have any Real Estate needs.
We live in a seller's market where there isn't a lot of inventory and you have to be on top of homes as soon as they become available. Rebecca and Brent were extremely helpful in finding listings as soon as they were posted and brought us to see a number of houses over months before landing on one. We had a very positive home-buying experience!
We would highly recommend Brent and Rebecca Conley! They are excellent Real Estate Agents. They go the extra mile for Veterans and their clients. Team Conley has great customer service and will do anything to help you out in getting into your new home. Next time we need to buy or sell a house we will contact Team Conley.
Brent Conley is one of the best advisors in real estate. I have sold and purchased 3 properties with him and his team. Each person on the team was professional and helpful. I would never buy or sell real estate without their advice. I also, refer my friends and family to them.
Rebecca and Team Conley were amazing! We loved them. You could not ask for more honest, kind, and caring agents. They are on top of everything, and found us the home of our dreams in literally a day!
Team Conley helped me buy my first condo and has always answered my real estate questions even when I wasn't buying. I will be buying my dream home this year and will only use Brent and his Team.
Very hands-on from start to finish! Continuously providing exceptional knowledge that covers all areas of Real Estate and beyond!

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