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3-Phased Approach to Success for First Time Home Buyers
Looking to buy your first home? Use the resources in the First Time Home Buyer Checklist to help you plan. Start the home buying process with confidence with Spotlight by your side.
Expert advice lights your way through one of the most exciting times in your life. Exceptional services leaves you feeling relieved that you are in the right hands. Expect more with Spotlight.
PHASE I, PLANNING
In Phase I we will focus on establishing what you want in an ideal home, and how much you can afford to spend.
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PhaseI
Do you want to rent or own?
Weigh the pros and cons of each with this article.
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Location, Location, Location
Where do you want to live? Use the checklist to decide what's important to you.
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Wants vs. Needs
Using your wish list check list let's prioritize wants vs. needs
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How Much Does it Cost to Buy a House?
Use the expense sheet to understand costs associated with buying.
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When Will I Move In?
Understanding timelines associated with buying.
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PHASE II, TOURING
In Phase II we will meet with a Realtor for the first time and start the process of finding your perfect home.
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PhaseII
Meet with a Mortgage Broker
Get pre-approved for a mortgage to establish your budget.
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Tour Open Houses
See what's out there and start the search!
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Realtor-Guided Home Tours
Tour with an experienced expert who can help guide your decision.
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Make an Offer
With the support of your Realtor, make an offer
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PHASE III, BUYING
In Phase III we will lock in the sale on your new home! This is when inspections and the mountains of paperwork you have heard about happen.
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PhaseIII
Formal Mortgage Application
Meet with your lender to formalize your application
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Complete Home Inspections
With the support of your Realtor, complete your home inspections
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Home Inspection Negotiations
Do you want problems fixed? Or price reductions? Or maybe something else...
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Meet with Your Lawyer
Your lawyer will meet with you to prepare house title transfer documents
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Appraisal & Survey
Your lender will schedule a home appraisal and survey
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Mortgage Commitment
Your lender will approve you for the purchase and provide any conditions you must meet
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Utilities Transfer
Reach out to utility providers to put them in your name and schedule them to turn on.
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Pack Your Bags! (And Boxes, And Pets, And Kids...)
Get ready to move!
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Closing Documents
Your lender will provide final costs and will tell you what to bring to settlement
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Clear to Close
Mortgage funds will be available as soon as you sign
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Settlement & Closing
Meet at your lawyer's office with the sellers to sign documents and get your keys!
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Move In!
You did it, congratulations!
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Housewarming Party
Once you are settled time to party! Cheers!
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Contact
CONTACT SPOTLIGHT
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