Once your home is under contract, our professional agents will be with you every step of the way through the closing process.

We work with local title companies to make sure that you are informed of any and all cost associated with your transaction, title searches to ensure clear title, Homeowner Association transfers and any other paperwork that needs to be completed before closing.

We can help you find local vendors such as a moving company, repair contractors, carpet and cleaning services and storage facilities.

We can also assist you with finding your new home.

Accurate Evaluation – What is your home worth?

The correct selling price of a home is the highest price that the market will bear. We provide you with a comprehensive market analysis of comparable properties sold and offered for sale in your neighborhood to assist you in determining the correct asking price.

Professional Advice

We will advise you how you may best prepare your home for showing.

Promotion of Your Home

The major selling points of your home will be communicated to other real estate firms throughout the community.

Signage

Reach Realty Group For Sale sign advertises your property 24 hours a day.

Open Houses

If appropriate, open houses will be arranged and held during reasonable hours.

Advertising

We will advertise your home in appropriate publications as well as on the internet and communicate our results to you.

Progress Report/Continued Communication

You will be kept up to date on the state of the market, the sale of similar properties and any other factors which may affect the progress of the sale. You will be kept up to date by email, telephone, mail or a combination, whichever works best for you.

Market Value is defined as:

• The most probable price a property should bring in a competitive and open market assuming the following conditions: buyer and seller are typically motivated, both parties are well informed or well advised acting in their own best interest, a reasonable time is allowed for exposure in the open market, and the price represents normal financing and sales concessions. (The Language of Real Estate, Sixth Edition, John W. Reilly)

• An estimate of price is generally indicated as a range of values.

• In preparing a competitive market analysis (CMA), we will use comparable sales, competitive listings, location, amenities, and property condition.

• The CMA will not reflect every property of comparable value for sale on the market today, but will represent a good cross section of the current inventory and recent sales. While none of the properties will be exactly yours, they will provide a good reference source in a comparative analysis.

• The price you will receive will depend on your motivation, the motivation of the buyer, and the market conditions at the time of the sale.

Whether you are buying your first home or your dream home, you will begin by selecting a reputable agent who will work for you and follow the buying process outlined for you below.

Step 1

• Establish purchase price and estimated monthly payments
• Discuss loan options
• Cash Sale

Step 2

• Begin house hunting
• Complete loan application and provide necessary documentation
• Negotiate purchase agreement
• Order home inspection
• Shop for homeowners insurance

Step 3

• Order appraisal
• Order file with a Title Company

Step 4

• Satisfy any final underwriting conditions
• Review Settlement Statement (HUD-1) and monthly payment
• Sign all required paperwork at the Title Company

Step 5

• Enjoy your new home!

First and foremost, Reach Realty Group would like to congratulate you on your exciting journey to home ownership! Whether you are looking to buy or build, one of our dedicated professionals would be honored to assist you in making an incredible investment in your future.

Qualifying for Financing

You should have a stable work history of at least a year or more.
Avoid making or co-signing on any major purchases until after you close on your home.
Seek reliable lender for advice concerning improving your FICO score and debt to income ratio.

Preparing for Up-Front Home buying Costs

Sellers request that buyers provide an earnest money check as a good faith down payment when submitting a purchase agreement. The earnest money paid at the time of offer is applied towards from the down payment due at closing.

Real estate professionals strongly advise a home inspection, which should generally happen within days of submitting your offer.
In addition to the down payment, buyer should be prepared to pay some transactional expenses at the time of closing.

Buyers will pay policies up-front in full for annual homeowner’s insurance and home service contract policies at or prior to closing.

Price is what you pay. Value is what you get. – Warren Buffett

When you are ready to start the process of real estate investing, let one of our professionals help you decide what type of real estate investment is most appropriate for you. Investing is a big commitment and you need to understand all the risks involved before making a decision. As a full service real estate firm, we are here to help you every step of the way.

Contact one of our real estate professionals for a list of reputable lenders in your area.

The following information is usually required during the loan process:

• Social Security Card (both borrowers)
• Copy of Driver’s license (both borrowers)
• Current pay stubs covering 30 days (showing YTD earnings, name and SS number)
• Last 2 years of W-2s
• If self employed, your tax returns for the past two years
• Transcript or Diploma (if you were a student in the last two years)
• Award Letter & most recent check (if you receive SS, retirement or disability income)
• 2 year Residence History (if renting, Landlord’s name and phone number)
• Bank statements for the past two months
• Investment and/or retirement account statements for the past two months
• Divorce Decree (if you pay/receive child support or alimony)
• Credit card, auto loan and personal loan account information
• Relocation Agreement if applicable
• Bankruptcy and Discharge papers if applicable
• VA loan – Original Certificate of Eligibility and DD214

If you currently own Real Estate:

• Mortgage account information
• Home insurance policy information
• Copy of Sales Contract & Settlement Statement (when available, if you are selling your present home )