Removing Contingencies

• Approval of the Seller’s Property Disclosure Statement.
• Approval of the preliminary title report.
• Loan approval, including an appraisal of the property.
• Physical inspections of the property.
• Pest inspection and certification.
• Acquisition of homeowner's insurance.

Closing Escrow and Moving In!

When all of the conditions of the purchase agreement have been met, you will sign your loan documents and closing papers. You will deposit the balance of your down payment and closing costs to escrow, and your lender will deposit the balance of the purchase price. The deed will then be recorded at the County Recorder's office and youwill take ownership of your home.

Your Sales Associate is a valuable source of helpful tips for planning and coordinating your move.

• Determine the price range you can afford.
• Understand the types of loans you qualify for.
• Determine what your monthly payment will be.
• Estimate the down payment and closing costs.

The Loan Process

Your Sales Associate will help you to select a mortgage lender. Once you have made your decision, these are the steps of the process:

Application - All pertinent documentation is obtained. Fees and down payments are discussed, and the borrower will receive a Good Faith Estimate (GFE) and a Truth-in-lending statement (TIL), itemizing the rates and associated costs for the loan.

You will be asked to provide certain documents to your lender in order that your loan can be processed in a timely manner.

Loan Submission - Once all the necessary documentation is in, your completed file is submitted to a lender for approval.

Loan Approval (Underwriting) - Loan approval, or underwriting, generally takes 24 to 72 hours. All parties are notified of the approval and any loan conditions that must be received before the loan can close.

Closing - Once all parties have signed the loan documents, they are returned to the lender. If all the forms have been properly executed, the lender sends the loan funds by wire transfer. At this point, the borrower finishes the loan process and actually buys the house.

Of all the decisions you'll face when buying a home, there's none more important than the person you choose to represent you.

The job of your Sales Associate is to support you in finding the right home with the best possible terms, and to aid you through the entire process. Your Sales Associate will explain the process of buying a home, and familiarize you with the various activities, documents and procedures that you will experience throughout thetransaction.

Tips For Selecting A Realtor

Your Real Estate Professional should be:

• Knowledgeable about the communities of interest to you.
• Aware of the complicated local and state requirements affecting your transaction.
• Effective in multi-party, face-to-face negotiations.
• Highly-trained, with access to programs for continued learning and additional certifications.
• Technology-focused.
• Supported by professional legal counsel.

For information on our professional sales staff, visit our Agents Page

Let the ESQ Realty Team of Realtors® make your next relocation and transfer smooth and seamless as possible!

• Our relocation clients receive the benefit of our extensive network of Realtors® throughout the United States that work closely with us to meet all your relocation needs.
• We will manage the listing and sale of your home from your transferring state and simultaneously work with you to secure the acquisition of your new home in your new state.
• Relocation takes extensive coordination and scheduling that our Team of Realtors® are well experienced and prepared to deliver. We work with a list of preferred service providers to ensure that we exceed client expectations. Services include:
  • Partnering with out of state Realtors® to sell your home quickly, smoothly, and at a price that maximizes your equity transfer
  • Partnering with out of state Realtors® to plan and secure the acquisition of your new home that fits the neighborhood and community criteria you desire
  • Securing mortgage pre-qualification and committment
  • Synchronized Closing and Settlement Services of the sale of your previous home and the purchase of your new home
• Coordination of relocation services such as utility, mail and service transfers, packing & moving services, and temporary housing if necessary

Choosing a Realtor®

Of all the decisions you'll face when buying a home, there's none more important than the person you choose to represent you.

The job of your Sales Associate is to support you in finding the right home with the best possible terms, and to aid you through the entire process. Your Sales Associate will explain the process of buying a home, and familiarize you with the various activities, documents and procedures that you will experience throughout the transaction.