Are you contemplating purchasing your new home in Naples? Metro Properties can help.

Purchasing a home is intimidating for a lot of people, but it's not all that hard with a little up-front planning. So they know exactly what they can expect, I like to supply buyers with an overview of the whole deal. Here are my nine steps to buying a home. When you're ready to get started, you can contact me here or e-mail me at . I'm glad to answer questions you have regarding this information.

Step 1 – Get ready to buy
Before you begin looking for a home, there are plenty of things you need to take into account. When you start your search, you'll probably want to assemble an outline of items you want to have, get a feeling for what school districts you'd like to live in, and begin working on your budget. A good principle to adhere to is that your mortgage payment should be less than 30 percent of your monthly income.

Step 2 – Connect with a real estate agent in Naples
This is where Metro Properties can help. I'd be happy to plan a time to get together with you and communicate with you regarding your real estate needs and get an idea of your upcoming plans. We'll discuss the mortgage and housing industries, other economic factors that could affect your buying decision today or in the future, as well as neighborhoods and schools in the Naples area.

In addition, I'll help you facilitate the loan process. I partner with some of the finest mortgage professionals in Naples, so you'll be in great hands. They can help you choose which kind of loan is best for you, as well as help you get qualified.

Step 3 – Begin house-hunting
After our initial meeting, I'll begin searching for available homes on the market that suit your needs. I'll research many of the houses and eliminate the duds, and then we'll schedule appointments to view the homes when it's convenient for you.

When we view the homes, I'll point out positive features, as well as negative ones. I'll even ask you about things you like and dislike. It's pretty common for buyers to update their must-have list as we view homes and some features become far more essential than others. If that's the situation, I'll search all the listings one more time and narrow it down to the house you've been dreaming about.

Step 4 – Comprehend the market
My knowledge of the Naples market is an imperative factor in your home search. I'm familiar with all the schools and neighborhoods, and I will alert you to some neighborhoods are "hot" and warrant prompt action and others that are "cold" and allow for careful consideration.

As we tour houses, I'll make sure to communicate when the list price has room for bargaining and also when I know the home is "priced to sell." Any real estate agent in Naples will tell you they understand the market, but be careful, and make sure you ask lots of questions. If things don't add up, call me at 800-252-6633 or e-mail me at , and I'll be glad to answer any questions you may have. My market expertise will help you stay a step above the rest through the entire deal.

Step 5 – Find the house you've been looking for
I'm confident we'll find the house of your dreams in the Naples area. When we do, I'll precisely develop your home purchase offer. The offer will be tailored exactly to your needs and the home, including some contingencies, such as getting financing, finishing the inspection, and a clear title.

Upon sending in your offer, most likely you'll need to submit "earnest money." This is a cash deposit submitted to the seller to secure the offer to buy the property. The amount is typically applied to the cost of closing. If the offer is accepted, we should close on the home within 30 to 60 days afterward. This allows plenty of time for your mortgage financing.

Step 6 – Negotiate the deal
A lot of deals aren't closed on the beginning offer – it's very common to receive a counter offer. Don't let it discourage you. We'll figure out whether or not to consent to the counter offer, propose our own counter offer, or refuse the seller's offer and move on.

Market conditions determine how aggressively we negotiate the contract. We'll also work within your financing budget. And at the end of the day, we'll put together a contract that is best for you.

Step 7 – Secure a loan
Upon finishing the contract, you'll begin working with your mortgage lender to close the loan. If you're already pre-qualified, it won't take long at all, but you'll want to keep in close contact with your mortgage lender. And I'll handle all the property information your mortgage lender needs to close the loan.

Step 8 – Close the deal
Your lender will furnish you with a Loan Estimate (LE) detailing your closing costs within three days of receiving your loan application. You'll get a Loan Estimate (LE) detailing closing costs from your mortgage lender within three days of getting your application. This estimate is based on the loan amount. RESPA requirements mandate that it has to contain all closing costs and fall within a close range of accuracy, and I'll analyze the estimate and let you know if everything looks adequate.

Then we'll close on your home. This should occur at a title company or escrow office and is often a smooth and comfortable occasion.

Step 9 – Move in
Congratulations! Now you can move into your new home. Enjoy it. And if you need anything, simply call me at 800-252-6633 or e-mail me at .