BUYER’S GUIDE
Quick guide to buying your home from
THE HOME BUYING PROCESS
A step by step guide from your Realtor
1 . GET PRE-APPROVED
5. YOU ARE IN ESCROW!
To Prequalify for a mortgage and before you
Escrow opens when a signed agreement is
start looking for houses, you’ll need to
delivered to an escrow officer, who helps to
complete this first step.
ensure that all conditions of the contract are satisfied.
2. FIND THE RIGHT HOME Make a list of your ‘must-haves’ versus those
6. COMPLETE INSPECTIONS
things that would be nice to have. This will
Make sure all closing costs and inspections
help you and I to zero in on the right home.
are complete. You’re almost there!
3. MAKE AN OFFER
7. HEAD TO THE CLOSING TABLE
As an experienced real estate professional,
I will help you understand the closing process
I can help guide you through the current
which can be complicated and a little overwhelming.
market in your area.
Get ready to sign a lot of paperwork.
4. COUNTER OR ACCEPT OFFER
8. GET KEYS TO YOUR NEW HOME
Be ready, as you may be presented with a
Congratulations on your new home!
counter offer. We will work through this
Here’s to our new and lasting partnership!
together, so that you and the seller can be in happy agreement.
THE HOME BUYING PROCESS
... Continued from your Loan Officer
1. COMPLETE THE APPLICATION We’ll talk about your needs up front and gather as much information as possible to confidently explore loan options that fit your needs. Please contact me for the application or visit KayleeMiller.S1L.com
2. DISCLOSURES You will receive, acknowledge, and return a disclosure package explaining your loan products and cost.
3. PROCESSING AND UNDERWRITING We'll start compiling documents to ensure a smooth Underwriting approval. You can be sure we will treat your file with love and attentive care throughout this very important part of your transaction.
4. CLEAR TO CLOSE AND REVIEW OF CLOSING DISCLOSURE This outlines the final terms of the loan and allows us to make any needed updates or changes. Once approved, the 3-day waiting process begins, before you head to the closing table.
We are always taking in new clients and appreciate your referrals
TRUSTED
MORTGAGE ADVISORS
THANK YOU!
KAYLEE MILLER Loan Officer | NMLS #2021913 SALEM, OREGON e: kmiller@S1L.com p: (503) 910-5217 Synergy One Lending, Inc., NMLS 1907235. 3131 Camino Del Rio N 150, San Diego, CA 92108. Toll Free #: (888) 995-1256. Synergy One Lending, Inc. is licensed in the following states: OR. All Loans are Subject to Credit and Property Approval. Equal Housing Lender. www.nmlsconsumeraccess.org S1L032106