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If you’re looking to buy property in Central Louisiana, you’ve come to the right place. Use our comprehensive search tools to browse listings in the Alexandria/Pineville area. Take a look at the newest listings in Central Louisiana, and register to receive property updates in your inbox. Feel free to contact me when you’re ready to schedule a tour.
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Ready to Buy?
12 Steps to Home Buying
01. Prequalify
Get a prequalification letter from a reputable lender. This is important!
02. Choose a Realtor
Choose a realtor: interview a few. Being able to trust your real estate agent is very important!
03. Discuss Criteria
Meet with your realtor to discuss your criteria: price range, square footage, number of bedrooms and baths, preferred amenities, and location. You and your realtor as a team will start looking for homes that meet your criteria.
04. Tour Homes
Your realtor will set up tours of homes. Debrief with your realtor after each tour, so they understand which aspects of the property meet your needs. It may only take 1 tour or closer to 10, but when you find “the one,” you’ll probably know it. Now the fun begins, and your realtor’s expertise kicks in!
05. Make an Offer
Craft an offer on your chosen property with your realtor’s help. She’ll help you strategize by taking into account market conditions and your individual situation. She’ll also complete the paperwork for you to sign. Be ready to sign electronically, if possible. It expedites the process and makes everything simpler!
06. Negotiate
The seller will accept, reject, or counter your offer. If they counter your offer, negotiations will continue until hopefully a contract is achieved.
07. Sign a Contract
If a contract is achieved, your realtor will let your lender know. You’ll pay the earnest money specified on the contract within 3 days. This will remain in a special account until closing; then it will be refunded to you. The due diligence period will begin the day after achieving contract.
08. Give Due Diligence
During the due diligence period, you’ll have the opportunity to hire an inspector and research any aspect of the property. You’ll negotiate solutions for deficiencies with the seller. If you are still committed to the property at the end of the due diligence period, the process will continue. If you decide the property isn’t for you, your earnest money will be refunded.
09. Get An Appraisal
Next step is the appraisal. The lender will order an appraisal of the property. If this is a financed sale, the appraised value must be at or above the sales price. (If it isn’t, negotiations ensue.) The appraiser may stipulate that certain repairs have to be done before the appraisal will be released. If so, the seller must rectify these items before closing can occur.
10. Title Work
Title work will be ordered on the property while you shop for homeowner’s insurance. Your credit will be checked by your lender, and an employment verification will be completed on you, the buyer, to ensure you still have the means to purchase and pay for the property.
11. Paperwork
The lender will issue a clear to close, and closing documents and forms will be prepared for closing. It takes a team of professionals — attorneys, title agents, lenders, and realtors — to buy a house, and you are almost there!
12. Closing & Congrats!
Flex your fingers, and get ready to sign a sheaf of papers if you are taking out a mortgage. But this is all a part of the process of becoming a homeowner. Congratulations! We did it!
How much will it cost?
Mortgage Calculator
When you decide that you’re ready to purchase a home, one of the first things you’ll need to know is how much you can afford to pay on your mortgage each month. Use the mortgage calculator to get an approximate idea of how much you can expect to pay monthly based on the price of the house.
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