Get Preapproved for a Loan

Obtain a copy of your credit report and your FICO score and, if necessary, do
what you need to do to improve it. The higher your FICO score, the better
interest rate you can command. You can get this information online; your RE/MAX
agent can also help you. Contact several lenders and determine which one will
give you the best deal.

Determine Your Price Range and Area(s) in Which You're Interested

By now you should have a good idea of how much home you can afford. This
helps you narrow down your home search. You should also begin researching the
neighborhoods in which you might want to live. Your RE/MAX agent can help.

Decide Which Amenities and Features You Must Have – and Which Ones Would Be
Nice but not Necessary

How many bedrooms and bathrooms do you want? Would you prefer a newer home or
an older one with established landscaping? Are hardwood floors a must? Is an
updated kitchen important to you? Walk-in closets? Which features would you be
willing to give up if you find the otherwise-perfect home?

Begin Testing the Market

Right here on remax.com, you can find listings that meet your criteria as
well as neighborhood data. Identify properties that seem to be fits for you,
take an afternoon and go on a driving tour. See what's available in your price
range and explore neighborhoods.

With Your Agent, Begin Seriously Looking at Homes

Your agent can add to the list of homes you've already identified – including
ones that have just come on the market. Look at homes with a critical eye – does
the floor plan work for you, is the property in good condition, would it be
right for your lifestyle? In short, can you imagine yourself and your family
living there?

Take notes at each home you visit. What do you like and not like? Narrow down
your choices; re-visit homes in which you're interested. See them at different
times of the day.

When you've identified the home you want to buy, be prepared to help your
agent prepare a written offer quickly. Your agent will be familiar with market
values and will help you arrive at a price that gives your offer the best chance
of being accepted.

• You'll be asked to submit an earnest money deposit that usually isn't
  refundable.
  
• Begin making moving arrangements (select a mover, obtain change-of-address
  cards, inform friends and relatives).
  
• Have the property professionally inspected.
  
• If necessary, request repairs.
  
• Obtain homeowner's insurance.
  
• Contact utilities (phone, water, power, etc.).
  
• A few days before closing, stage a walk-through.
  
• Obtain a cashier's check for the down payment and closing costs.

At Closing:

• Make sure the terms and conditions of the loan statement are correct.
  
• Carefully read everything before you sign.

ENJOY YOUR NEW HOME!

Why You Should Use a REALTOR® in Your Home Search;

Of course they know the right steps to take, but they can also help you avoid
a misstep in your home purchase. If a new freeway is going to be built a few
blocks away, they'll probably know it. If you're unsure about school districts,
they'll be able to direct you to answers. If you're unsure of a builder's
reputation, they'll know how you can confirm it.

Your RE/MAX Sales Associate also performs another important function:
minimizing the emotion involved in a home transaction. You may be in love with a
home, but your agent can point out factors that might not make it right for
you.