Are you purchasing a new home in Cedar Park? Homes With Heart, Inc. can help.

Purchasing a home is an intimidating event for most people, but with a bit of planning ahead of time, it's not all that complicated. I like to provide buyers with an overview of the entire deal so they'll understand exactly what they can expect. These are my nine steps to buying a home. When you're ready to get started, simply contact me here or e-mail me at . I'm happy to answer any questions you have about this information.

Step 1 – Get ready to purchase a home
There are many things you should contemplate before commencing your home search. You'll most likely want to assemble an index of items you want, plan for what school districts you'd like to live in, and begin working on your budget. Ensuring your mortgage payment is less than or around 30 percent of your monthly income is a good rule of thumb to adhere to.

Step 2 – Contact a real estate agent
That's where I can help. I'd be more than happy to schedule a time to meet with you and speak with you about why you want to buy a home and get an idea of your plans for the future. We'll discuss neighborhoods, school districts in the Cedar Park area, the mortgage industry, and any additional economic factors that might affect your buying decision today or in the future.

I'll also help you start the loan process. Homes With Heart, Inc. works with some of the best mortgage professionals in Cedar Park, so you're in great hands. They can help you choose which kind of loan is best for you, as well as help you get qualified.

Step 3 – Start your search
After our first meeting, I'll begin finding available houses on the market that suit your needs. I'll get a sneak peek of many of the homes and eliminate the bad ones, and then we'll book appointments to view the houses whenever it's most convenient for you.

When we view the houses, I'll call attention to good features, as well as bad ones. I'll even ask you to talk about things you like and dislike. Most often, buyers revise their must-have list as we view homes and some items become more necessary than others. If that's the situation, I'll look through all the listings one more time and narrow it down to the home you've been waiting for.

Step 4 – Understand the housing market
My awareness of the Cedar Park market is an essential component in your house search. I am conscious of all the schools and neighborhoods, and I'll alert you to which neighborhoods are "hot" and warrant prompt action and others that are "cool" and allow for more consideration.

As we tour houses, I'll be sure to tell you when the asking price has room for negotiation and when I trust the home is "priced to sell." Every real estate agent in Cedar Park will claim to truly know the home market, but trust your instincts, and make sure you ask your agent a lot of questions. If things don't add up, just call me at 512-789-7541 or e-mail me at , and I'll be happy to answer any questions you may have. My market expertise will keep you a step above the rest throughout the entire process.

Step 5 – Find the home of your dreams
We'll find your dream house in Cedar Park, and when we do, I'll carefully develop your home purchase offer. The offer will be tailored keeping your needs in mind and the home, including some contingencies, such as obtaining financing, finishing the home inspection, and a clear title.

When turning in your offer, you'll want to present "earnest money." This is a cash deposit submitted to the seller to secure the offer to buy the property and is often applied to the closing costs. If the seller accepts your offer, we should close within 30 to 60 days after. This allows sufficient time for your mortgage financing.

Step 6 – Negotiate
Most deals aren't closed on the initial offer – it's extremely common to receive a counter offer. But don't let it intimidate you. We'll discuss whether or not to agree to the counter offer, submit our own counter offer, or refuse the seller's offer and move on.

How aggressively we negotiate the deal depends on market circumstances. In addition, we'll work within your financing budget. And when it's all said and done, we'll put together a contract that is best for you.

Step 7 – Secure your loan
After the contract is finalized, you'll begin working with your lender to close the loan. It shouldn't take long at all if you're already pre-qualified, but you'll want to keep in close contact with your lender. And I'll manage all the property information your lender needs to close the loan.

Step 8 – Close the deal
You'll get a Loan Estimate (LE) outlining closing costs from your lender within three days of accepting your loan application. The estimate depends on the loan amount. RESPA requirements dictate that it has to involve all closing costs and be within a precise range of accuracy, and I'll review the estimate and let you know if it all looks okay.

Then we'll close on your house. This will most often take place at a title company or escrow office and will likely be a smooth and stress-free occasion.

Step 9 – Move in
Congratulations! Now you can move into your new home. Enjoy it. And if you have any questions, simply call me at 512-789-7541 or e-mail me at .