Buyer News    The Home Buying Process 

1. Begin With The Best. We'll begin your home search with Tania by explaining the working relationships and sitting down and reviewing the real estate process with you.
2. Become Financially Pre-approved. Begin your home search knowing you are approved to buy. Tania can offer you financing options and help you become pre-approved for your mortgage with the Howard Hanna Mortgage Services loan officer conveniently located in her Howard Hanna office. This step is important because when it comes time to make an offer on a property, it will show your seriousness as a buyer.
3. Refine Your Home Search. Tania will help you define your specific housing and lifestyle requirements and will present those homes which match your specified needs.
4. Prepare and Present the Offer to Purchase. Once you've found the home of your dreams, Tania will prepare and present a written offer to purchase to the seller. The seller either accepts or rejects your offer, or makes a counter offer.
5. Reaching an Agreement. You and the seller will agree on the price and terms, including closing and settlement dates.
6. Sale Contract is Executed. Tania will oversee the contract of sale to assure proper execution.
7. Mortgage Application Finalized. Secure your mortgage loan with your Howard Hanna Loan Officer.
8. Earnest Money In Trust Account. At this point, all earnest money must be placed in a Trust Account through Barristers of Ohio Title and Escrow Services.
9. Inspections Scheduled. At this time, the various home inspections you have elected will be scheduled.
10. Ordering Title Insurance. Tania will confirm clear title verification and title insurance with the title company for your new home.
11. Follow Up On Financing. Your Howard Hanna Mortgage Services Loan Officer will follow up on all details regarding the final mortgage commitment.
12. Your Mortgage is Approved. Review the terms with your Howard Hanna Mortgage Services Loan Officer, sign and then return to lender.
13. Purchase Home Owner's Insurance. Obtain homeowner's insurance, which is required by all lenders, prior to closing.
14. Confirm Closing.  Tania will confirm the agreed upon date of closing
15. Transfer of Utilities. Review the transfer of utilities with Tania.
16. Confirm Closing Costs. Get the final closing costs from your Howard Hanna Mortgage Services Loan Officer.
17. Bring To The Closing. Bring your homeowner's insurance policy, a certified check for closing costs, and your checkbook for any potential incidental costs.
18. You're Home. Congratulations! Title has transferred, Tania will assure that you receive the keys to your home.
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Lets Get Started on Your Pre-Approval Through Howard Hanna Mortgage Services 

Call Berny today....

Berny Tabanji