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BUYING
Buyer Information

Many have wondered if they could purchase a home.  Before they contact a real estate agent, they conclude the outcome on their own and assume that it isn't possible.

Merely visiting this web site separates you from that crowd by taking the leap to find information and discover the real estate world of possibilities that await you.

For both first time home buyers and previous home owners, we can help you

find the right lender that will work vigorously to locate all available options that benefit you.  We'll also guide you through the exciting experience of buying a home.

If you're a former home owner, going through the selling process that you did in the past, may seem longer ago than you can remember.  Much has changed and the market is more challenging.

We can refresh your memory and show you the latest technology and incentives home buyers have today.  You'll be happy to have us on your side.

At this point, you're probably wondering how to get started. We understand how it may seem overwhelming. That's why we're here to assist you every step along the way.

Arrange Your Finances
To get started, you'll need to gather all necessary information that will be provided to the lender.  These items include, but are not limited to:

Social security number(s)
Recent pay stubs that detail your earnings
Checking/savings account statements for the past 6 months
If applicable, proof of assets (e.g. stocks, bonds, etc.)
List of existing loans (e.g. auto, boat, etc.)
Contact information of whom can verify your employment
Last two years of income tax returns
List of credit card accounts that display monthly payments due
Any papers on judgments such as bankruptcies, etc.

We understand that some of the information above may not apply to everyone.  Only gather what is applicable to you. If additional information is needed, the lender will request it.

Meet With a Lender
This step takes place once you have acquired all the necessary information from step 1.  The sooner you can meet with a lender, the sooner you can begin shopping for a home.  To get connected with an appropriate and respectable lender, please call us at (505) 730-8181 or e-mail us.

Save Money
If you haven't already been saving money, now is the time to start.  This may require some sacrifices and/or tightening the belt of your normal spending habits.  If earnest money is required, having the $500, $1,000 or specific amount on hand is to your advantage.  Also, if there are any closing costs, upgrades, etc., these savings will apply towards them.

Shop For a Home
Let's go shopping!  At this point, you have provided the necessary information and have met with a lender who has provided a price range where you can begin looking for a home.  Together, we'll find a home that meets your needs.  This can be determined by comparing your criteria (e.g. 3 bedrooms, 2 story, etc.) to the available homes in the area of your interest.  Then, together we go out and take an inside look at the specific properties.

Closing
Once you've found a home and an offer is accepted, the closing process begins.  During this period, inspections, appraisals and other related procedures are performed.  Although you are almost into your new home, DO NOT take any money saved to purchase new furniture, a big screen TV, major appliances or a new car, etc.  Towards the end of closing, a final check on available funds and your credit is reviewed for consistencies.  Any changes, could result in not qualifying for the home.  Once the keys are in your hands, you can then pursue those purchases.

If you have additional questions or feel that you're ready to get started with the buying process, call or text us at (505) 730-8181 or e-mail us for immediate assistance.

 

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Syan Real Estate is the exclusive brokerage for the following local online communities:
Ventana Ranch
Albuquerque
Rio Rancho
Belen
Rio Rancho Land
Los Ranchos de Albuquerque
Bernalillo
Placitas
Cabezon Homes
Jemez Springs
Mesa del Sol
Los Lunas
Rio Rancho Homes
Mariposa Rio Rancho
Loma Colorado
East Mountains
Corrales
Pajarito
Santa Rosa
Espanola
 

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