Looking to buy your new home in Colorado Springs? Brian L. A. Wess can help.

Buying a home can be stressful for a lot of people, but with a little up-front planning, it isn't too difficult. So they know exactly what to expect, I will supply buyers with an outline of the whole deal. Here are my nine steps to buying a home. Should you have any questions regarding any of this information or if you're prepared to get started, you can contact me here or e-mail me at .

Step 1 – Prepare to buy a home
Prior to starting your home search, there are a lot of things you should take into account. When you start your search, you'll probably want to assemble a check list of items you want, get a feel for what school districts and neighborhoods you'd like to live in, and begin planning your budget. A good rule to follow is that your mortgage payment should be a third of your monthly income.

Step 2 – Connect with a real estate agent
This is where I come in. I'd be more than happy to arrange a time to meet with you and talk about your real estate needs and get an idea of your upcoming plans. We'll talk about neighborhoods, school districts in the Colorado Springs area, the mortgage and housing industries, and any other economic factors that could potentially affect your purchase today or in the future.

I'll also help you facilitate the loan process. There are some excellent mortgage professionals in Colorado Springs, and I work with a lot of them, so you're in great hands. They'll help you determine which type of loan is best for you, as well as help you get qualified.

Step 3 – Start your home search
After we meet for the first time, I'll start looking for available houses on the market that are a great fit for you. I'll preview many of the houses and exclude the duds, and then we'll schedule appointments to view the homes when it's most convenient for you.

When we tour the homes, I'll call attention to positive features and bad ones. And I'll ask you to tell us about things you like and don't like. It's pretty common for buyers to amend their wish list as we view homes and some features become more crucial than others. If that's the case, I'll search all the listings once again and trim it down to the home you've been waiting for.

Step 4 – Comprehend the housing market
My understanding of the Colorado Springs housing market is a crucial aspect in your house search. I'm mindful of all the neighborhoods and schools, and I will let you know some districts are "hot" and require prompt action and some that are "cool" and allow for more examination.

When we view homes, I'll be sure to tell you when the seller's list price has room for bargaining and also when I think the house is "priced to sell." When working with an agent, be mindful and make sure you ask lots of questions, as every REALTOR will convince you they truly understand the housing market. If it seems like they don't know everything, contact me at 7195286672 or e-mail me at , and I'll be more than happy to answer any questions you may have. My market expertise will help you stay a step ahead throughout the entire deal.

Step 5 – Find the home of your dreams
I know we'll find your dream house in the Colorado Springs area. When we do, I'll precisely develop your purchase offer. The offer will be tailored keeping your needs in mind and the home, including many contingencies, such as getting financing, completing the inspection, and a clear title.

When we present your purchase offer, you'll probably need to present "earnest money." This is a cash deposit made to the home seller to secure an offer to purchase the property. The amount is usually put towards the cost of closing. If your offer is accepted, we should close within 30 to 60 days afterward. This allows ample time for your mortgage financing.

Step 6 – Negotiate
A lot of deals don't close on the beginning offer, and it's widely common to receive a counter offer. But don't let this alarm you. We'll talk about whether or not to take the counter offer, propose our own counter offer, or refuse the seller's offer and go on.

Market conditions will play a big part in how aggressively we negotiate the deal. In addition, we'll work within your financing budget. And when it's all said and done, we'll formulate a deal that is best for you.

Step 7 – Obtain a loan
Upon finishing the deal, you'll start working with your lender to close the loan. If you've been pre-qualified, this shouldn't take much time at all, but you should to stay 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
You'll get a Loan Estimate (LE) of closing costs from your mortgage lender within three days of accepting your application. The estimate is formed from the loan amount, and RESPA requirements mandate that it has to involve all closing costs and fall within a precise range of accuracy. I'll review the estimate and let you know if everything looks good.

Then we'll close on your house. This will most often take place at a title company or escrow office and will probably be a smooth and easygoing affair.

Step 9 – Move in
Congratulations! It's time to move into your new house. Enjoy it. And if you need anything or have any questions, make sure you call me at 7195286672 or e-mail me at .