Home Buying Process
Sally Chang is a real estate expert that will work with you side-by-side throughout the process. From negotiating offers to sitting at the closing table, your transaction will be seamless from start to finish.
Loan Pre-Approval
Contact a mortgage professional to start the pre-approval process.
The Search
Narrow down a search for homes that fit your needs and criteria.
Choose a Home
Ask for property disclosures, choose a home and start the offer process.
Make an Offer
Write a clean offer to the property and negotiate with the listing agent.
Inspection Review
Schedule and complete the professional inspection of the home.
Loan Commitment
Once viewing the home, the appraiser processes a valuation of the home.
Final Walkthrough
Your loan has been approved and the closing has been scheduled.
Closing
Your attorney will confirm the items needed to bring to closing.
Expenses Involved with Buying a Home
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Earnest Money
Money that accompanies an offer as a down payment, “good faith” money.
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Inspection
This must be done in the first 5 business days after the contract is signed by all parties.
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Attorney
The attorney takes care of the inspection issues, title, survey, and the actual closing.
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Village & City Stamp Tax
In some towns the buyer pays, in some towns the seller pays, some towns have no tax at all.
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Closing Cost Fees
Mortgage-related fees, escrow or attorney’s settlement charges, transfer taxes, recording fees, title insurance, etc.
