FINDING YOUR DREAM HOME

PRE-QUALIFICATION

 Meet with a mortgage broker and find out how much you can afford to pay for a home.

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PRE-APPROVAL

While knowing how much you can afford is the first step, sellers will be much more receptive to potential buyers who have been pre-approved. You’ll also avoid being disappointed when going after homes that are out of your price range. With Pre-Approval, the buyer actually applies for a mortgage and receives a commitment in writing from a lender. This way, assuming the home you’re interested in is at or under the amount you are pre-qualified for, the seller knows immediately that you are a serious buyer for that property. Costs for pre-approval are generally nominal and lenders will usually permit you to pay them when you close your loan.

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LIST OF NEEDS & WANTS

MAKE TWO LISTS


The first should include items you must have (i.e., the number of bedrooms you need for the size of your family, a one-story house if accessibility is a factor, etc.).

The second list is your wishes, things you would like to have (pool, den, etc.) but that are not absolutely necessary. Realistically for first-time buyers, you probably will not get everything on your wish list, but it will keep you on track for what you are looking for.

REPRESENTATION BY A PROFESSIONAL


Consider hiring your own real estate agent, one who is working for you, the buyer, not the seller.

BUYING YOUR HOME

STEP 1: OUTLINING YOUR OBJECTIVES

Giving Your Dreams an Address

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STEP 2: FINDING YOUR HOME

  • Browse and review online listings with your Plus One Agent
  • Browse and review online listings with your Plus One Agent
  • Notification of new and off-market properties
  • Virtually tour listings from the comfort of your home
  • Select your ideal location and home

Offers & Negotiation Strategies

  • Learn about the Purchase Contract from your Realtor®
  • Discuss multiple offer strategies (as needed)
  • Offer presentation and highlighting buyer strategies
  • Negotiate to optimize price and terms
  • Acceptance of offer or counter offers

STEP 3: GOING INTO ESCROW

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STEP 4: CLOSING

  • Review closing statement from escrow
  • Virtually meet with escrow to sign loan documents
  • Arrange to wire down payment and closing costs
  • Transfer utilities to new location
  • Closing, key delivery, and celebration
  • Move into the property
  • Move-in checklist

Working Together Again

  • Staying in touch and keeping you informed
  • Second homes and investment properties
  • Providing resources and introductions
  • Referrals, testimonials, and reviews.

FOCUS & ORGANIZATION

In a convenient location, keep handy the items that will assist you in maximizing your home search efforts. Such items may include: A file of the properties that your agent has shown to you, along with ads you have cut out from the newspaper.Instant or video camera to help refresh your memory on individual properties, especially if you are attending a series of showings. Paper and pen, for taking notes as you search. Location: Look at a potential property as if you are the seller. Would a prospective buyer find it attractive based on school district, crime rate, proximity to positive (shopping, parks, freeway access) and negative (abandoned properties, garbage dump, source of noise) features of the area?

  • Instant or video camera to help refresh your memory on individual properties, especially if you are attending a series of showings. 
  • Paper and pen, for taking notes as you search.
  • Location: Look at a potential property as if you are the seller. Would a prospective buyer find it attractive based on school district, crime rate, proximity to positive (shopping, parks, freeway access) and negative (abandoned properties, garbage dump, source of noise) features of the area?
  • A file of the properties that your agent has shown to you, along with ads you have cut out from the newspaper.
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VISUALIZE THE HOUSE EMPTY & WITH YOUR DECOR


Are the rooms laid out to fit your needs? Is there enough light?

BE OBJECTIVE


While knowing how much you can afford is the first step, sellers will be much more Instead of thinking with your heart when you find a home, think with your head. Does this home really meet your needs? There are many houses on the market, so don’t make a hurried decision that you may regret later.

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BE THOROUGH


A few extra dollars well spent now may save you big expenses in the long run. Don’t forget such essentials as:

  • Include inspection & mortgage contingencies in your written offer.
  • Have the property inspected by a professional inspector.
  • Request a second walk-through to take place within 24 hours of closing.
  • You want to check to see that no changes have been made that were not agreed on (i.e., a nice chandelier that you assumed came with the sale having been replaced by a cheap ceiling light).

All the above may seem rather overwhelming. That is why having a professional represent you and keep track of all the details for you is highly recommended. Please email me or call me directly to discuss any of these matters in further detail.

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RoseAnne F.
WHAT OUR CLIENTS ARE SAYING
I am a local Realtor® from the Palm Springs area in the Coachella Valley. I have been a licensed agent since 1991. A couple of years ago I met Josh online thru social media and then again thru mutual Realtor® friends in the desert. Again, at different Real Estate venues and finally, showing a couple of my listings. Did he leave an impression? Every time. Was he professional? Every time. Is he knowledgeab...

— RoseAnne F.

Marcus A.
WHAT OUR CLIENTS ARE SAYING
Josh Reef is one of the most determined individuals I have ever met in the real estate industry. His positive attitude is infectious with his go-getter mentality, and so working with him as a Member of The Pinnacle List has been an absolute pleasure. Josh’s ability to elevate the awareness of his brand and sell luxury listings in an increasingly competitive global market is a tremendous asset for any sal...

— Marcus A.

Thierry S.
WHAT OUR CLIENTS ARE SAYING
Josh is a very resourceful real estate professional with an impressive list of contacts. He captures what the buyer is looking for very quickly with a perceptive psychological sense and a seasoned experience. Whether in California or Florida he knows the market and his very good at matching the person and the property his recent professional move opens a new era for Josh.

— Thierry S.

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