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For most of us, buying a home will be the biggest and most important purchase we ever make in our lives. The VS Team has a deep understanding and knowledge of the available lifestyle options. We take the buying process very seriously and offer the highest quality of service possible to our clients!

Here are some things and steps to consider when searching for your perfect home:

Getting Started

Before you start looking for a home, you should ask yourself a few questions, for example:

  • Where do you want to live?

    • What neighborhoods do you like?

    • What school districts are you looking for?

  • What kind of house would you like (need)? Two-story? One-story? Do you need a first floor bedroom?

  • How many bedrooms and bathrooms do you want?

  • Do you want a big backyard or small backyard?

  • What is your price range? How much money can you put towards your down payment? What mortgage type is right for you?

Due Diligence and Organization

  • Request a credit report to make sure the results and information are accurate. Each individual is allowed to request one free credit report per year for all three credit bureaus.

    • If you find errors or unknown activities on your credit report, contact the specific bureau for corrections and disputes immediately

  • Browse through real estate listings online to help get acquainted with terms and knowledge of the different types of homes and prices that are on the market.

  • Visit open houses during the weekend. It doesn’t cost anything to look and by do so, this would give you some ideas for things you’d like in a house but haven’t considered.

  • Start saving money. You will need to have sufficient funds for a down payment and closing costs

  • Don’t incur any debt. Pay down credit cards and don’t apply for new ones. Don’t make any major purchases on credit

  • Talk with a loan officer from VS Financial Services, Inc. to see what loan programs you qualify for, what you can afford, and what mortgage is best for you.

  • Contact a realtor from VS Realty & Loans, Inc. to help you find properties, provide more information on listings, and to take you to see properties. Your realtor will also help you prepare and make an offer, as well as guide you through the inspection and purchase process through close of escrow!

Finding the Right Home

The VS Team will utilize our powerful search programs, resources, and the latest real estate technology tools to find the properties that match what you are looking for! Your VS realtor go over the information  and view the property with you. She or he will be there to help you make decisions or to answer your questions that will arise throughout this process. We will seek information from the listing agent and seller on your behalf, so you can make the best decision for your family. When you find the right home, your VS realtor will assist in preparing the offer for you and going over the terms and conditions of your offer. From viewing the property for the first time to signing off the closing documents and waiting for confirmation of recording to give you the keys to your new home, VS Realty & Loans, Inc. will be there for you every step of the way.

Free Reports for Buyers

  Evaluating Property
  Things to Think About When Selling Your Home
  Selling Your Home – Where Do You Begin?
  9 Steps You Must Take Before You Sell Your Home
  Preparing Your Property for Sale: Pre-Marketing Checklist
  Seven Selling Mistakes You Don’t Want to Make
  How to Pack Like a Pro