At 4 Buyers, our agents act as advisors — empowering you, the buyer, with the information you need to ask the right questions, know what to look for, and ultimately end up in your dream home.
Below, we’ve outlined the buying process so you know roughly what to expect at every stage.
Check out different communities that interest you and research your potential commute
Figure out what you’re able to comfortably spend each month, including mortgage, taxes, insurance, and any condo payment
Once you find a home you like, your agent will work with you to develop a negotiation strategy
Your loan commitment is due 2-3 weeks after the Purchase and Sale agreement
1 week-3 days before closing:
-
Review the Closing Disclosure
Find out how to get a cashier’s check or wire transfer from your financial institution
Your closing date is generally 4-6 weeks after the offer. You’ll do a walk through of the home with your agent and go to your attorney’s office for the signing
Seller brings:
-
Deed
Title
Keys
Smoke Detector Certificate
Proof of paid taxes
Proof of water bill adjustments
Condo fee proof of payment (if any)
Secure a home inspector and complete an inspection – you need to get back to the Seller within 7 days of the offer
Talk to 2-3 local lenders to find out what you can borrow, then choose 1-2 lenders and complete a full pre-approval
Your 4 Buyers agent will work with you to identify homes in your target area and budget, and accompany you to showings and open houses
-
Contact internet, electric, and gas companies to turn service on as of the closing date
Fulfill all conditions listed on your loan commitment letter
Choose a home insurance company and purchase the first year’s insurance
Usually 1-2 days before closing, you need to get a cashier’s check or arrange for a wire transfer
Buyer brings:
-
Insurance binder and receipt
Cashier’s check for deposits and bank fees (made out in your name)
Personal checkbook for any miscellaneous debits
Driver’s license (or State Liquor ID)
A second form of ID (can be library card, credit card or passport)
1 or more weeks before closing:
The Offer to Purchase is issued and is generally good for 24 hours.
-
Binding deposit check
Real estate attorney
Your Purchase and Sale Agreement is to be signed 7-10 days after the offer
-
Check for 5-10% of purchase price
At 4 Buyers, our agents act as advisors — empowering you, the buyer, with the information you need to ask the right questions, know what to look for, and ultimately end up in your dream home.
Below, we’ve outlined the buying process so you know roughly what to expect at every stage.
Check out different communities that interest you and research your potential commute
Talk to 2-3 local lenders to find out what you can borrow, then choose 1-2 lenders and complete a full pre-approval
Figure out what you’re able to comfortably spend each month, including mortgage, taxes, insurance, and any condo payment
Your 4 Buyers agent will work with you to identify homes in your target area and budget, and accompany you to showings and open houses
Once you find a home you like, your agent will work with you to develop a negotiation strategy
The Offer to Purchase is issued and is generally good for 24 hours.
-
Binding deposit check
Real estate attorney
Secure a home inspector and complete an inspection – you need to get back to the Seller within 7 days of the offer
Your Purchase and Sale Agreement is to be signed 7-10 days after the offer
-
Check for 5-10% of purchase price
Your loan commitment is due 2-3 weeks after the Purchase and Sale agreement
1 or more weeks before closing:
-
Contact internet, electric, and gas companies to turn service on as of the closing date
Fulfill all conditions listed on your loan commitment letter
Choose a home insurance company and purchase the first year’s insurance
1 week-3 days before closing:
-
Review the Closing Disclosure
Find out how to get a cashier’s check or wire transfer from your financial institution
Usually 1-2 days before closing, you need to get a cashier’s check or arrange for a wire transfer
Your closing date is generally 4-6 weeks after the offer. You’ll do a walk through of the home with your agent and go to your attorney’s office for the signing
-
Insurance binder and receipt
Cashier’s check for deposits and bank fees (made out in your name)
Personal checkbook for any miscellaneous debits
Driver’s license (or State Liquor ID)
A second form of ID (can be library card, credit card or passport)
-
Deed
Title
Keys
Smoke Detector Certificate
Proof of paid taxes
Proof of water bill adjustments
Condo fee proof of payment (if any)