Buyers
Let CRC Realty, Inc. assist you with your home purchase.CRC Realty Inc. is the Shoals leading real estate company. Integral to our impressive performance is a team of extraordinary professionals who on a daily basis rededicate themselves to serving buyers and sellers with consummate care, skill and industry experience. We are an independent, locally owned company tailored to service the demands of the local market.
Interested in purchasing a home?
Please use the form below to initiated your personalized home search with one of our real estates professionals.Steps To Buying A House
By following the steps mentioned below, you will be on your way to living in your new home.Save
Your first step should be to save as much money as you can for the down payment. The amount that you save, along with your credit score and other factors, will dictate the types of loans (Convectional, FHA, USDA, VA, etc.) that you will qualify for.
Pre-Approval
The next step should be to sit down with a lender and get a pre-approval letter. Lenders rates may vary greatly, so make sure that you shop around for lenders. When negotiating with sellers, the seller may request a pre-approval letter with the offer. By completing this step up front, you will know what price to search up to, and have the letter on hand to attach with your offer.Choosing An Agent
Interview several agents, and determine which agent you feel has the knowledge about the market and that you feel comfortable with. This is where you will discuss your search criteria and what your wants vs. needs. The agent will help guide you in the search and throughout the real estate transaction.House Hunting
This is the fun step! By now you have already been looking online at homes, now it is time to go see some and choose your new home.Making An Offer
Several factors will come into play when making an offer. What are the comparable homes, both sold and active, and where does the home you are looking at compare? Start too low and you risk offending the seller, too high and you may cost yourself some money. This is where you will decide what inspections you want to perform and any other types of contingencies you will want to place in the contract. This is a major decision, so lean on your agent to help guide you.Contract To Close
It is very important to know what is in your contract so make sure to read it thoroughly. There are many timelines that have to be met, along with inspections that have to be scheduled. Once again, lean on your agent for help lining up everything and staying on track. If a contract is not followed as it is written, then the contract may be voidable by either party. Do not apply for anything that will affect your credit, as this may throw off your debt to income ratio. The lender will verify your credit the day of closing to insure it is the same as when you applied for the loan.Arrangements For The New Home
You will need to line up your homeowners insurance and make sure that it becomes effective on the date of closing. Other things to schedule are: utilities (electric, gas, water, and sanitation), cable, internet, and security systems. You will also need to cancel the services for your past residence.Closing
Now that you have made it to closing you will need to bring a few things to closing. Make sure to bring a driver’s license, or government issued ID card that has a photograph. You will also need to provide proof of homeowners insurance. The last thing that you will need to bring is a certified check made out to the closing company for the amount due at closing. This amount will be provided prior to closing in the closing disclosure document.Interested in purchasing a home?
Please use the form below to initiated your personalized home search with one of our real estates professionals.Steps To Buying A House
By following the steps mentioned below, you will be on your way to living in your new home.Save
Your first step should be to save as much money as you can for the down payment. The amount that you save, along with your credit score and other factors, will dictate the types of loans (Convectional, FHA, USDA, VA, etc.) that you will qualify for.Pre-Approval
The next step should be to sit down with a lender and get a pre-approval letter. Lenders rates may vary greatly, so make sure that you shop around for lenders. When negotiating with sellers, the seller may request a pre-approval letter with the offer. By completing this step up front, you will know what price to search up to, and have the letter on hand to attach with your offer.Choosing An Agent
Interview several agents, and determine which agent you feel has the knowledge about the market and that you feel comfortable with. This is where you will discuss your search criteria and what your wants vs. needs. The agent will help guide you in the search and throughout the real estate transaction.House Hunting
This is the fun step! By now you have already been looking online at homes, now it is time to go see some and choose your new home.Making An Offer
Several factors will come into play when making an offer. What are the comparable homes, both sold and active, and where does the home you are looking at compare? Start too low and you risk offending the seller, too high and you may cost yourself some money. This is where you will decide what inspections you want to perform and any other types of contingencies you will want to place in the contract. This is a major decision, so lean on your agent to help guide you.Contract To Close
It is very important to know what is in your contract so make sure to read it thoroughly. There are many timelines that have to be met, along with inspections that have to be scheduled. Once again, lean on your agent for help lining up everything and staying on track. If a contract is not followed as it is written, then the contract may be voidable by either party. Do not apply for anything that will affect your credit, as this may throw off your debt to income ratio. The lender will verify your credit the day of closing to insure it is the same as when you applied for the loan.Arrangements For The New Home
You will need to line up your homeowners insurance and make sure that it becomes effective on the date of closing. Other things to schedule are: utilities (electric, gas, water, and sanitation), cable, internet, and security systems. You will also need to cancel the services for your past residence.Closing
Now that you have made it to closing you will need to bring a few things to closing. Make sure to bring a driver’s license, or government issued ID card that has a photograph. You will also need to provide proof of homeowners insurance. The last thing that you will need to bring is a certified check made out to the closing company for the amount due at closing. This amount will be provided prior to closing in the closing disclosure document.
