Your Guide To Buying A Home-
It’s all about YOU!
The Seay Group Realty’s focus is on your complete satisfaction. In fact, we work to get the job done so well, you will want to tell your friends and associates about your experience with us. Maybe that’s why more than 50% of our business comes from repeat customers and referrals.
Our goal is to exceed your expectations. Good Service speaks for itself, and we’re looking forward to earn your referrals too!
Congratulations! The decision to buy your home is an exciting one. We love helping buyers find their dream home. That’s why we work with each client individually, taking the time to understand their unique lifestyles, needs and wishes. This is about more than a certain number of bedrooms or a particular ZIP code. It’s about your life, and it’s important to us.
When you work with The Seay Group Realty, you get:
Knowledgeable and professional REALTORS®
Committed allies to negotiate on your behalf
The backing of a trusted company, Keller Williams Realty
We have the systems in place to streamline the home-buying process for you.
As part of our service, we will commit to helping you with your home search by:
Previewing homes in advance on your behalf
Personally touring homes and neighborhoods with you
Keeping you informed of new homes on the market
Helping you preview homes on the Web
Advising you of other homes that have sold and for how much
Working with you until we find the home of your dreams
The Seay Group Realty team will help you navigate all the steps for the home buying process, so you love your new home!
Step 1: Work with The Seay Group Realty team as your exclusive buying agent. When you sign a Buyer’s Agent Agreement, you are guaranteed, by the laws of the state, that your needs will be met professionally and you will be represented throughout the entire process of buying your home.
Step 2: Recieve your pre-qualification from a mortgage lender.
We recommend our buyers get pre-qualified before beginning their home search.
Knowing exactly how much you can comfortably spend on a home reduces the potential frustration of looking at homes beyond your means.
Step 3: Narrow your home choices down. Our goal is to help you find your dream home- and you need to see some in order to find the right one! The Seay Group Realty team will send you listings based on the specific wants and needs you have requested via a personalized website, tailored to you. Our team will schedule visits to these homes.
Step 4: Make an offer! When you find your home, you should present a competitive offer as soon as possible. Our team has extensive experience in contract negotiations and work to ensure you get what you want for a fair price.
Step 5: Offer accepted! You are under contract!
Once the seller has agreed in writing by signing the contract, you are “under contract.” The Seay Group will make sure every detail is handled timely and accurately.
Within three (3) days of being under contract, buyers must deliver monies (two personal checks) to fulfill the terms of the contract. The monies are:
Earnest Money – Payment to the title company is typically 1% of the purchase price, and is held in escrow by the Title Company
Option Money – (if there is an Option Period) Payment to Seller for the buyer’s right to opt-out
The Option Period is an agreed upon period of time, that allows the buyer to opt-out of the contract for ANY reason. Typically the Option Period timeframe is enough time to provide the buyer time to schedule inspections and work with The Seay Group team to negotiate for any repairs.
Funding Your Home Purchase
Financial pre-qualification or pre-approval
Application and Interview
Buyer provides pertinent documentation, including verification of employment
Credit report is requested
Appraisal scheduled for current home- if one is owned
Loan package is submitted to underwriter for approval
Parties are notified of approval
Loan documents are completed and sent to title
Title exam, insurance, and title survey conducted
Borrowers come in for final signatures
Lender reviews the loan package
Funds are transferred by wire