1) Hire a Realtor in your area.

2) Meet with your Realtor and discuss your needs: location, price, room count, lot size, school district, home style, etc.

3) Hire a mortgage broker and get pre-qualified for your loan.

4) Search for homes with your Realtor.

5) Write an offer. Accompanying the offer must be a check made out to the specified escrow company in the amount of 3% of the purchase price offered, regardless of what loan you are intending to acquire.

6) Realtor negotiates offer / offer is accepted or Countered.

7) Escrow is opened by your Realtor.

8) Complete your buyer investigations within 7 days. This includes your Home Inspections, insurance, preliminary Title Report, Pest Report and Natural Hazard Disclosures. During this time the home is also appraised.

9) Forward a "Request for Repairs" if necessary, negotiate.

10) After all parties are in agreement and loan is secure, you must Remove Your Contingencies. The standard time frame for removing your contingencies is 17 days from acceptance of your offer by the seller. From this point forward you cannot back out of the agreement for any reason or your deposit may be lost.

11) Sign all escrow paperwork, forward the remainder of your down payment into the escrow account.

12) Your loan is funded by your lender to escrow.

13) Escrow distributes the funds accordingly.

14) Escrow "records" your title with the County.

15) After recording is complete, you receive access to your new home

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