Choosing The Right Home

The Choice is Yours

A home is more than just a collection of rooms and walls. A home is where familes live, children are raised, and everyone is entertained and relaxed. Since so much of your life is spent in your home, choosing the right one for you is an enormous decision.

It is important to consider priorities and the list of features you are looking for in a home. Your HomeSmart Agent will help you define your search parameters and target the ideal properties for you to consider. Read more...

Buying Home in Bay Area

Please contact Hatsumi Takahashi by phone or e-mail.

I will search and select homes for you based on your needs.

1 First consulting

Define agency relationship
Determine needs and wants
Discuss financial qualifications

2. Loan Qualification

Discuss financial resources
Obtain qualification letter

3. House hunting

Properties tour that you consider and "Ideal" home while learning about current market value

4. Find "Ideal" home & Make Offer

There are a number of factors that can affect decisions on what to offer on a particular property:

Market conditions are always a factor
Is it a Buyer's or Seller's market?
How much negotiating room?
How many other buyers are interested and also writing offers?
Should inspections be performed?
How should contingencies be handled?
Is it necessary to get pre-approved for a loan first?

5. Present & Negotiate Offer

Let your agent negotiate & make the offer at the best price possible

6. Open Escrow

Escrow officer will order Preliminary Title Report and send copies
Your money is deposited

Submit Loan Application

Submit Loan Application to the lender with all necessary documents

documents

Underwriting & Appraisal

Underwriter review files for acceptance

Appraiser determines value of home

Inspections & Disclosures

Buyers perform home inspection and review all disclosures and Preliminary Title Report .

Renegotiate Price

If critical issues are discovered during due diligence, negotiate the price!

7. Review Title

All Title Documents are searched and reviewd

8. Remove Contingencies

Loan Commitment

Loan is approved

Homeowner Insurance

Select insurance company and coverage then give insurance agent escrow information

9. Sign Documents

Loan ducuments will go to Title Company
Sign Loan Document & closing cost statements

10. Down payment and Loan Funding

Send your Down payment and closing cost to Title Company
Lender sends funds to Title company

11. Record, and Transfer Title & Close of Escrow

Deed is recorded by County Recorder's office
Get key to your new home