Buy With Me

I love what I do! I spend my time working with buyers, sellers, and investors to explore the wonderful properties of Memphis. When you work with me, I will spend the time necessary to understand your needs and goals to craft a personalized plan which suits your unique situation. As a local Memphis professional, I have the expertise to help you navigate this competitive market and ensure the best possible outcome for you and your family.

How It Works

01—

Pre-Approval

Before you head out to view homes, it’s important to speak to a lender and get pre-approved. At this meeting, you will discuss your financial picture and arrive at a price you can afford. With your pre-approval in hand, you can shop with the confidence that not only you can make an offer when you find the perfect home but you have the documentation to demonstrate to the seller that you are serious about your offer – increasing your chances of having your offer accepted.

02—

FIND YOUR PERFECT HOME

This is the fun part! Using the search function of my website, you’ll have access to live listings taken directly from the MLS. Filter for price, size, bedrooms, and many other features. Save your favorites and make notes directly on the listings about what you like and don’t like. When we meet, you and I will discuss your favorites along with others I can recommend and schedule in-person home tours.

03—

Making An Offer

Once you find the right home, we will prepare your offer. This is where the pre-approval becomes important. We will package both price and terms to create the strongest offer possible, including the pre-approval letter which provides the proof that you can afford the property. Once the seller reviews the offer, they may accept, reject, or offer a counter offer. We will continue to negotiate until both parties agree on the terms and your offer is accepted.

04—

Obtain Final Loan Approval

Once all parties have accepted the contract, your lender will work with you to get your final loan approval. They will order a property appraisal and provide you with your loan options. Even though you’ve had a pre-approval, the lender will again review your financial situation to ensure there are no changes and review the appraisal to make sure you are not paying more than the value of the home. It’s very important not to do anything to affect your credit or income during this period; do not buy anything on credit, start a new job, or even pay off credit cards without consulting your lender. Then the lender will issue a final approval and you’re ready to close on your new property.

05—

Home inspection

One of the most important elements of your home buying process is the home inspection. Even the most beautiful home could have hidden issues such as mold or structural damage. Hiring a licensed home inspector to evaluate the condition of the property is vital to the home buying process and we will make sure a positive report is a contingency of the sale. If the inspection does uncover any issues, we can request repairs from the seller or cancel the sale if necessary.

06—

Appraisal

An independent, professional appraiser will prepare a report that offers the fair market value of the home. They will examine recent sales in the area which are comparable in size, condition, location, and many other features, then the report will render a market value that the lender uses to justify the sales price offered. On occasion, the appraisal will be lower than the offer price, in which case we will negotiate the offer price or cancel the contract.

07—

Final Walk- Through

Once we are ready to close on the sale, we will visit the home again and perform a final walk-through. This is an important step, even for a vacant home. During this visit, we will confirm any needed repairs have been completed and make sure the home is in the same condition it was when the offer was made.

08—

Closing

This is the best part! Closing day! You will sign all necessary paperwork and once your loan has funded, you get the keys to your new home! It’s as simple as this. Buying a new home is a series of steps we will walk through together. At each stage, we will discuss all your options and I will be there to answer any questions or concerns you might have. My job is to protect your interests and I take this responsibility very seriously.

Tools For Buyers

Moving Checklist

Call the Movers – This is the time to arrange the moving company. Get a few estimates and compare pricing and availability then choose the services you need; moving only, moving and storage, packing, etc.
Buy Supplies – Gather the tools you’ll need to pack up; boxes, paper and bubble wrap, packing tape, and permanent markers.
Have a Garage Sale – There is no better time to get rid of that old junk and things you no longer need. Any leftovers can be donated to charity or picked up by the local junk removal service.
Register for School – If you have school-aged kids, arrange the transfer of their school records and choose a start date for the new school to ensure a smooth transition.
Change of Address – Change your address with the post office; this can be done in person or online. Also notify your other services of the change such as banks, insurance companies, health-care providers, and your employer.

Pack Up – Start packing early. Start with items you don’t use day-to-day and then gradually pack up the rest. This will help you avoid the last-minute rush.
Prepare for Unpacking – Take the time to consider how you’ll unpack on the other end. Label everything and try to group room items to make the unpacking process easier at the new home.
Connect and Disconnect – Contact both current and new utility companies to make sure you have a turn-off and turn-on date in the system. You’ll want a hot shower after a long day moving into your new home.
Stop Services – Cancel newspapers, pest control, gardeners, cleaners, and any other service providers you have. If they can provide services at the new home, arrange for the new service as well.
Take Time Off – Notify your employer of the time you’ll need to take off for the move.

Finish Packing – Make sure everything has been packed and this is the time to pack the last minute items, such as kitchen and clothes you’ve been using.
Build a Survival Kit – Moving in can be chaotic; pack a few essential items in a suitcase, travel box, or car trunk. A change of clothes, toiletries, paper towels, toilet paper, basic kitchen supplies will come in handy until you find the right box to unpack.
Clean up – Give your home a final cleaning. If possible, arrange for a professional cleaner to come in once you’ve left to ensure the next occupant has a clean home to move in to.
Reconfirm – Call the moving company and new service providers to double-check dates and times.

Final Walk-Through – Before you lock up, take a final walk through the home. Check drawers, closets, and storage units for any forgotten items. Turn off the lights, lock doors, and windows, and turn off the thermostat.
Double Check – Assign someone to monitor the movers and make sure everything gets on the truck. Watch that each box has a label or note which states the contents to make the move-in easier.

Buy With Me

Pre-Approval

FIND YOUR PERFECT HOME

Making An Offer

Obtain Final Loan Approval

Home inspection

Appraisal

Final Walk- Through

Closing

Tools For Buyers

Home Search

Email Drips

Market Analysis

Featured Listings

Moving Checklist

Connect With Me

eXp Realty, LLC.

Resources

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