Are you contemplating buying your new home in Colorado Springs? Brian L. A. Wess can help.

Purchasing a home is intimidating for a lot of people, but it's not too hard with some up-front planning. So they know exactly what they can expect, I like to provide buyers with an overview of the whole deal. Here are my nine steps to purchasing a home. When you're ready to get started, just contact me here or e-mail me at . I'm happy to address questions you have regarding this information.

Step 1 – Prepare to purchase
Before you start looking for a home, there are a lot of things you need to consider. You'll want to put together a check list of must-haves, plan for what school districts and neighborhoods you'd like to live in, and start working on your budget. A good guideline to follow is that your mortgage payment should be less than or close to 30 percent of your monthly income.

Step 2 – Speak with a real estate agent in Colorado Springs
This is where I come 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 discuss the mortgage industry, other economic factors that may affect your purchase today or in the future, as well as neighborhoods and school districts in the Colorado Springs area.

I'll also assist you in getting started on your loan. I work with some of the best mortgage professionals in Colorado Springs, so you'll be in great hands. They can assist you with choosing which type of loan is best for you and help you get approved.

Step 3 – Start your home search
After our first meeting, I'll start looking for homes on the market that best suit you. I'll research many of the houses and reject the bad ones, and then we'll schedule appointments to tour the houses at a time that's convenient for you.

As we tour homes, I'll show you the positive features and negative ones. I'll even ask you about things you like and don't like. It's widely common for buyers to revise their must-have list as we view houses and some features become more important than others. If that happens, I'll search all the listings one more time and narrow it down to the house you've been wishing for.

Step 4 – Get a grasp of the housing market
My awareness of the Colorado Springs home market is an imperative element in your house search. I am acquainted with all the schools and neighborhoods, and I can alert you to what areas are "hot" and warrant immediate action and others that are "cold" and allow for more consideration.

As we tour houses, I'll let you know when the asking price has room for bargaining and when I think the home is "priced to sell." Trust your instincts and be sure to ask your agent lots of questions, as every REALTOR in Colorado Springs will claim to comprehend the housing market. If it appears they don't know everything, call me at 7195286672 or e-mail me at , and I'd be happy to answer any questions you have. My market knowledge will keep you a step above the rest throughout the entire process.

Step 5 – Find the home of your dreams
I know we'll find your dream house in Colorado Springs. When that happens, I'll precisely create your purchase offer. The offer will be made to fit your needs and the home. We'll include many contingencies, such as obtaining financing, completing the home inspection, and a clean title.

When we submit your purchase offer, most likely you'll want to present "earnest money." This is a cash deposit made to the seller to secure the offer to buy the property and is usually put towards the closing costs. If the seller accepts your offer, we should close about 30 to 60 days after. This allows ample time for your mortgage financing.

Step 6 – Negotiate
A lot of contracts aren't closed on the beginning offer, and it's widely common to receive a counter offer. Don't let it discourage you. We'll figure out whether or not to agree to the counter offer, submit our own counter offer, or decline the seller's offer and move on.

How aggressively we negotiate the contract depends on market circumstances. In addition, we'll work within your financing constraints. And when it's all said and done, we'll put together a deal that works well for you.

Step 7 – Secure a loan
After we sign the final sales contract, you'll start working with your lender to close the loan. If you've been pre-qualified, it won't take very long at all, but you'll need to keep in close contact with your mortgage lender. And I'll sort out 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) detailing your closing costs from your mortgage lender within three days of accepting your loan application. This estimate rests on the loan amount, and RESPA requirements mandate that it has to involve all closing costs and be within a narrow range of accuracy. I'll go over the estimate and let you know if everything looks okay.

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

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