Julie Smith,
Associate Broker, ABR, GRI
Property Connection Real Estate

510 Poplar Street, Atlantic IA 50022

(712) 249-7975 (Mobile)

Buyer's Guide

The homefinding process typically includes many of the following elements. For additional information, or to get started, please contact me.

Initial Consultation

  • Determine your needs and priorities
  • Review "agency" choices and select appropriate working realationship
  • Discuss financing options

Obtain Financing

  • Find a mortgage company
  • Consult with a loan officer
  • Pre-qualification
  • Complete loan application
  • Obtain loan pre-approval
  • Provide requested documentation

Finding the Right Home

  • Sales associate to show you properties based on your criteria
  • Evaluate each property with sales associate
  • Choose the right home

Preparing an Offer

  • Review comparable sales to determine offer price
  • Review progress of loan pre-approval; decide on financing
  • Decide on other terms (inspections, possession date, personal property, etc.)
  • Prepare earnest money deposit

Reaching an Agreement with a Seller

  • Present your offer
  • Negotiation of terms and possible counteroffers
  • Agreed-upon sales contract with seller

Completing the Settlement Process

  • Deposit of earnest money
  • Review seller's property disclosures
  • Review preliminary title report
  • Roof, termite and other inspections
  • Remove any remaining contingencies
  • Arrange for homeowners insurance
  • Arrange for home warranty
  • Arrange for movers
  • Final walk-through of property with sales associate
  • Provide balance of down payment and closing costs
  • Sign Documents
  • Loan Funding

Finalize the Details

  • Property appraisal
  • Loan processing
  • Final loan approval
  • Recording of title
  • Receive keys from sales associate
  • Move in!

I understand that buying a home is a major decision for you that can be filled with concerns. My task is to help you find a home that meets your needs and to make the homebuying process efficient, stress-free and successful. As your NP Dodge professional, my goal is to help you find the right home.