Once you've found that perfect house, what next? First, you'll make an offer on the house. Most sellers will negotiate a little on the price. To figure out what is a fair offer, talk to your REALTOR about that neighborhood. Average right now for Easley is 96% of list price, and 100% of tax value.
Your offer might be countered once or twice depending on how low you start. Your REALTOR will help you negotiate the best price the seller will give. Once the contract is negotiated, your lender will start on your loan. They will need more paperwork from you at that point - paystubs and such. Deliver those as quickly as you can to speed up the closing process. Every day you delay that paperwork is another day you cannot move into your home. Also, you'll have inspections and an appraisal done at this point. Your REALTOR will negotiate for you any repairs that need to be done before closing.
Once the inspections and loan process are complete, a closing date will be set, and you'll do a final walkthrough on your home before closing to make sure all repairs are complete and that the home has been maintained during the closing process. An attorney will walk you through the loan closing process and title transfer, and once all is signed and funded, the home is yours to move into.
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If you have questions about buying a home that these blogs did not answer, please call me at 864-607-1189. I'm happy to talk to you whenever is convenient.