The following items are the keys to being ready, willing and able to purchase when
you find the right home. Doing the homework and getting your papers in order will
make the home buying process much easier.
Step #1. Be pre-qualified by a mortgage loan officer.
Step #2. Obtain a mortgage pre-approval.
Step #3. Have the necessary funds in your checking account to write an initial earnest money check.
Step #4. Have the remaining money for your down payment easily accessible.
Step #5. If you are receiving a "gift letter" for a portion of your down payment, be sure to
have the money transferred into your savings account.
Step #6. Pay balances on revolving credit cards.
Step #7. Do not make big purchases (such as a car on installment payments) prior to
getting loan approval and closing on your new home.
Step #8. Have a credit report run by a credit agency so that you can see what might be on the report and clear up any credit problems.
Step #9. Find an attorney to review an "offer to purchase agreement".
Step #10. Be aware of the dates you can move.
Currently Ryan has about 40+ listings in inventory, and will have sold over 23 homes so far in 2008. Please don't hesitate to contact me with any questions about Chico area real estate.
Ryan Vaught, Realtor
Keller Williams Chico CA
Office Phone: (530) 343-2959
© Ryan Vaught Real Estate
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