Buying a Home
First Time Home Buyers
Buying your first home can be an overwhelming and confusing experience. Let me educate you on the process, and connect you with the best resources.
There are many great financing options for a first time home buyer; let's find you the best fit.
Investors
The strength and resiliency of Utah's housing market is one reason to invest in real estate here. Whether you're using the 1031 Exchange process, or another creative financing option, using Birdie Homes, you'll find what you're looking for.
Remote Buyers
As an Utah native, let me show you the best cities and neighborhoods for your unique needs. When you're ready to shop, I will take you with me--virtually--to any home you'd like to see. If you decide to submit a blind offer, we can strategize how to submit the strongest offer possible for your situation.
The Home Buying Process
1
Get Pre-Approved
I always recommend using a mortgage broker over a specific mortgage company or bank, and shop at least 3 brokers. You'll find the best rates and terms this way.
If you're considering new construction, know that most builders have preferred lenders. Those lenders tend not to be the best deal for the buyer, so it's best to find your own. I have a few favorite lenders that I work with regularly and who consistently outperform their competition.
2
Make an Offer
Once you've identified a property you want to make yours, it's time to make an offer-- but how much do you offer? This is where you'll want to lean on your agent's market knowledge to get you the best price, terms, and probably a few extras.
For me, the negotiation is often the most fun of the whole transaction.
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3
Perform Due Diligence
Once your offer is accepted, you'll solidify your financing and perform your due diligence.
This will include locking your interest rate and examining your loan estimate.
We'll also have the home inspected and dive into the surrounding area. We'll check for upcoming development that could affect your future home, review crime rates and the sex offender registry, and you'll get acquainted with the specific schools in that area.
You'll also want to get ready to insure the property and line up your utilities.
4
Closing
While we've been hard at work in the financing and due diligence phase, your Title team has been working to prepare you for the closing table. Their job is to handle the legal process of the property changing ownership. They'll research and insure the title of the home you're buying. They'll also provide payment instructions for your down payment and any other applicable payments for closing, and you'll work with your bank according to their instructions. Once you've signed your closing documents and they've been recorded with the County, congratulations--the property is yours! You'll take possession of it according to what was negotiated in your contracts.