Are you purchasing your home in Colorado Springs? Brian L. A. Wess can help.

With some planning ahead of time, purchasing a home isn't all that difficult, but the event is intimidating for a lot of people. So they'll know exactly what they can expect, I like to provide buyers with an outline of the entire deal. Here are my nine steps to buying a home. When you're ready to get started, just contact me here or e-mail me at . I'm happy to answer questions you have about this information.

Step 1 – Prepare to purchase
There are many things you need to do prior to starting your home search. When you start your search, you'll want to form a check list of features you want, get a feeling for what school districts and neighborhoods you'd like to live in, and start planning your budget. Keeping your mortgage payment less than or around a third of your monthly income is a good rule of thumb to go by.

Step 2 – Talk to a real estate agent
This is where Brian L. A. Wess comes in. We'll set up a time to get together so we can talk about your real estate needs and get an idea of your upcoming plans. We'll talk about neighborhoods, schools in the Colorado Springs area, the mortgage and housing industries, and any additional economic factors that might affect your purchase today or in the future.

I'll also assist you with getting started on your loan. I work with some of Colorado Springs's finest mortgage professionals, so you'll be in great hands. They will help you figure out which kind of loan is best for you, as well as help you get qualified.

Step 3 – Begin your home search
Following our first meeting, I'll begin searching for houses on the market that are great for you. I'll get a sneak peek of most of the houses and remove the bad ones, and then we'll schedule appointments to tour the houses whenever it's most convenient for you.

As we tour homes, I'll show you the positive features and negative ones. I'll also ask you to point out what things you like and dislike. Frequently, buyers update their must-have list as we view houses and some things become more crucial than others. If such is the case, I'll search all the listings once again and trim it down to the house you've been dreaming about.

Step 4 – Understand the market
An agent's understanding of the Colorado Springs market is a crucial aspect in your house search. And I assure you I'm conscious of all the neighborhoods and school districts, and I can alert you to certain neighborhoods are "hot" and warrant immediate action and some that are "cool" and allow for thoughtful analysis.

As we tour homes, I'll make sure to communicate if the asking price has room for negotiation or if I believe the house is "priced to sell." When working with an agent, be careful and be sure to ask plenty of questions. Any real estate agent will claim to truly know the market. If things don't add up, just call me at 7195286672 or e-mail me at , and I'll be more than happy to answer your questions. My market knowledge will keep you a step above the rest through the entire process.

Step 5 – Find your dream home
We'll find your dream house in the Colorado Springs area, and when we do, I'll thoroughly create your real estate purchase offer. The offer will be tailored with your needs in mind and the home, including some contingencies, such as obtaining financing, carrying out the inspection, and a clear title.

When turning in your offer, you'll want to submit "earnest money." This is a cash deposit made to the home seller to secure an offer to buy the property, and it's most often put towards the cost of closing. If your offer is accepted, we should close about 30 to 60 days after. This allows plenty of time for your mortgage financing.

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

Market conditions will play a vital role in how aggressively we negotiate the contract. We'll also work within your budget. And at the end of the day, we'll formulate a contract that's best for you.

Step 7 – Obtain a loan
Upon signing the deal, you'll begin working with your mortgage lender to close the loan. This won't take much time at all if you're pre-qualified, but you'll need to stay in close contact with your mortgage lender. And I'll look after 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 your closing costs from your lender within three days of taking your loan application. The estimate is based on the loan amount. RESPA requirements dictate that it has to contain all closing costs and be within a narrow range of accuracy, and I'll study the estimate and let you know if everything looks all right.

Then it's time to close on your house. This will likely take place at a title company or escrow office and will most often be a smooth and calm event.

Step 9 – Move in
Congratulations! It's time to move into your new home. Enjoy it. And if you have any questions, simply contact me at 7195286672 or e-mail me at .