Buying or selling a home? Lacroix Associates, LLC can help.

With some up-front planning, buying a home isn't that difficult, but the event is intimidating for a lot of people. I like to furnish buyers with an outline of the entire deal so they'll understand exactly what they can expect. These are my nine steps to buying a home.

Shopping for homes? Click here to see my homes, or contact me today to get you more information on any home in the area.

Step 1 – Get ready to purchase
There are several things you'll want to do before you start searching for a home. When you start your search, you'll want to make an index of items you need to have, get a feeling for what school districts and neighborhoods you want to live in, and begin planning your budget. Ensuring your mortgage payment is around 1/3 of your monthly income is a good rule of thumb to follow.

Step 2 – Contact a real estate agent
This is where Lacroix Associates, LLC comes in. I can arrange a time to get together so we can talk about your real estate needs and get an idea of your plans for the future. We'll discuss the mortgage industry, other economic factors that might affect your purchase today or in the future, as well as neighborhoods and schools in the Williston area.

I'll also help you start the loan process. I partner with some of the finest mortgage professionals in Williston, so you can rest assured that you're in great hands. They can help you determine 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 looking for available houses on the market that suit your needs. I'll get a sneak peek of many of the houses and reject the bad ones, and then we'll book appointments to view the homes when it's convenient for you.

As we view homes, I'll show you the positive features, as well as bad ones. And I'll ask you to point out what things you like and don't like. It's common for buyers to amend their wish list as we view houses and some items become far more necessary than others. If that's the case, I'll go back through all the listings once again and trim it down to the house you've been wishing for.

Step 4 – Understand the market
My knowledge of the Williston home market is a crucial resource in your home search. I'm familiar with all the schools and neighborhoods, and I can let you know which neighborhoods are "hot" and call for immediate action and the others that are "cool" and allow for more consideration.

As we tour houses, I'll let you know when the asking price has room for negotiation and when I believe the house is "priced to sell." Any REALTOR® will convince you they understand the market, but be wary, and be sure to ask your agent lots of questions. If it doesn't seem like they know everything, just call me at 8028787886 or e-mail me at ed@lacroixvt.com, and I'll be more than happy to answer any questions you have. My market knowledge will keep you a step ahead throughout the entire deal.

Step 5 – Find the house of your dreams
I'm confident we'll find the home of your dreams in the Williston area. When we do, I'll carefully develop your home purchase offer. The offer will be tailored with your needs in mind, including some contingencies. A few examples are obtaining financing, carrying out the home inspection, and a clear title.

Let Lacroix Associates, LLC guide you through finding your dream home in Williston Upon sending in your offer, you'll need to present "earnest money." This is a cash deposit submitted to a seller to secure the offer to buy the property and is typically put towards the closing costs. If the seller accepts the offer, we should close on the home within 30 to 60 days afterward. This allows enough time for your mortgage financing.

Step 6 – Negotiate
Most contracts aren't closed on the initial offer. It's extremely common to receive a counter offer. Don't let it discourage you. We'll talk over whether or not to accept the counter offer, present our own counter offer, or reject the seller's offer and go on.

Market conditions will play a role in how aggressively we negotiate the deal. We'll also work within your financing limits. And at the end of the day, we'll compose a contract that is best for you.

Step 7 – Secure financing
After we sign the final contract, you'll begin working with your lender to close the loan. If you're pre-approved, this shouldn't take very long at all. But you need to keep in close contact with your lender. And I'll manage all the property information your mortgage lender needs to close the loan.>

Step 8 – Close the deal
Your mortgage lender will furnish you with a Good Faith Estimate (GFE) outlining your closing costs within three days of accepting your loan application. This estimate rests on the loan amount, and RESPA requirements require that it has to include all closing costs and be within a close range of accuracy. I'll review the estimate and let you know if it all looks permissible.

Then it's time to close on your home. This will probably occur at a title company or escrow office and will most often be a smooth and relaxed occurrence.

Step 9 – Move in
Success! Now you can move into your new house. Enjoy it. And if you need anything, make sure you contact me at 8028787886 or send me an e-mail.