Buying or selling a home? Silver International Realty, Inc. can help.

For many people, purchasing a home is a stressful event. But with some planning ahead of time, it's not all that confusing. I like to provide buyers with an overview of the entire deal so they understand exactly what they can expect. Below are my nine steps to purchasing a home. If you have questions about any of this information or if you're ready to get started, simply contact me here or e-mail me at .

Step 1 – Get ready to buy a home
There are plenty of things you should contemplate prior to commencing your home search. When you begin your search, you'll probably want to make an index of must-have features, get a plan of what neighborhoods you want to live in, and begin planning your budget. A good guideline to adhere to is that your mortgage payment should be less than or around 30 percent of your monthly income.

Step 2 – Communicate with a real estate agent in Delray Beach
This is where I can help. I'd like to arrange a time to get together with you and talk about your real estate needs and get an idea of your future plans. We'll discuss neighborhoods, school districts in the Delray Beach area, the mortgage industry, and any additional economic factors that may affect your buying decision today or in the future.

In addition, I'll help you start the loan process. I work with some of Delray Beach's finest mortgage professionals, so you're in great hands. They'll assist you in determining which type of loan is best for you and help you get qualified.

Step 3 – Begin house-hunting
After our first meeting, I'll start finding available homes on the market that meet your needs. I'll research most of the homes and remove the duds, and then we'll book appointments to view the homes when it's most convenient for you.

As we view the homes, I'll call attention to good features, as well as bad ones. I'll even ask you to tell us about things you like and don't like. It's common for buyers to revise their wish list as we tour houses and some items become far more important than others. If that happens, I'll search all the listings once again and trim it down to the home of your dreams.

Step 4 – Get a grasp of the housing market
Your agent's awareness of the Delray Beach housing market is a crucial aspect in your house search. And I assure you I'm familiar with all the school districts and neighborhoods, and I'll let you know what areas are "hot" and require immediate action and some that are "cold" and allow for thoughtful consideration.

When we tour houses, I'll make sure to communicate when the list price has room for negotiation and also when I think the home is "priced to sell." Any REALTOR in Delray Beach will claim to know the housing market, but take notice, and be sure to ask lots of questions. If things don't add up, contact me at 855-693-3572 X 1 or e-mail me at , and I'll be more than happy to answer any questions you have. My market expertise will help you stay a step above the rest through the entire process.

Step 5 – Find the home you've been looking for
I'm confident we'll find your dream home in the Delray Beach area. When we do, I'll meticulously develop your purchase offer. The offer will be tailored with your needs in mind and the home, including a lot of contingencies, such as acquiring financing, carrying out the home inspection, and a clear title.

When we present your offer, you'll likely need to present "earnest money." This is a cash deposit given to the home seller to secure an offer to buy the property. The amount is usually applied to the cost of closing. If your offer is accepted by the seller, we should close on the home about 30 to 60 days afterward. This allows ample time for your mortgage financing.

Step 6 – Negotiate the deal
Most deals don't close on the first offer – it's really common to receive a counter offer. Don't let it alarm you. We'll discuss whether or not to take the counter offer, propose our own counter offer, or refuse the seller's offer and move on.

Market circumstances determine how aggressively we negotiate the deal. We'll also work within your budget. And at the end of the day, we'll compose a deal that is best for you.

Step 7 – Obtain financing
Upon completion of the contract, you'll start working with your lender to close the loan. If you've been pre-qualified, this shouldn't take very long at all. However, you need to keep in close contact with your lender. And I'll deal with all the property information your mortgage lender will need to close the loan.

Step 8 – Close the deal
You'll get a Loan Estimate (LE) of closing costs from your lender within three days of getting your application. The estimate is formed from the loan amount. RESPA requirements order that it has to contain all closing costs and fall within a strict range of accuracy, and I'll study the estimate and let you know if it all looks okay.

Then it's time to close on your home. This will probably occur at a title company or escrow office and will most likely be a smooth and stress-free event.

Step 9 – Move in
Congratulations! Now you can move into your new house. Enjoy it. And if you need anything or have any questions, simply contact me at 855-693-3572 X 1 or e-mail me at .