When sifting and sorting through properties it's important that you as the buyer stay focused on the "have-to-have features of not only the property itself, but also the lifestyle that the location of the property offers.

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When you begin the process of searching for a home it's important to recognize that you are starting a process that begins at the outer ring of the bullseye in search of a property that meets your needs and lifestyle. You should know that your confusion is a normal expectation and that it's okay to slow the process down to gain a high level of certainty before making such a big commitment.

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When you decide to pay cash for a property it's still important to recognize that you are going into a buying process not an event. Therefore, best practices include determining the amount you want to pay and what that money is buying, securing a written letter from your banker that you have the ability to pay cash and recognizing that cash is not always the most important factor for a seller.

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A buyer should never assume that they are in the process of fully securing a mortgage commitment process until a lender explains all of the required steps. A Pre-approval letter simply means that the buyer's personal financial capabilities are being vetted and seem to be in order at a certain purchase price level. However, a full mortgage loan commitment is not secure until all bank conditions have been met and the viability of the property as a bankable asset has been confirmed.

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The first proper step in the home buying process is to complete a financial prequalification process. Prequalification helps both the borrower and the cash buyer in that it helps align what the predetermined money will buy. However, most importantly, it helps the seller know that the buyer is financially qualified in advance of accepting an offer allowing the buyer to have a competitive advantage during negotiation

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The Internet is an amazing tool that has facilitated a property buyer's direct access to property information, however, buying a property is a process not an event that requires guidance which is best acquired through the help and resourcefulness of a competent real estate agent.

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Many buyers are still of the habit of wanting to contact listing agents directly and not engage the services of a dedicated buyer's agent. However, if both buyer and seller agree to buyer agency then it must be in writing and it's best to suggest that both buyer and seller have legal representation. Learn more here: https://thegriffin.co/what-is-dual-agency-ask-a-griffin

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When you are purchasing real you are entitled to representation and it's highly recommended that you do so given that a real estate transaction includes many details and it's best to have the advice of a competent and trusted advisor!

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Although many buyers feel empowered by access to property information on the Internet, they still don't know what they don't know about the entirety of the homebuying process. Therefore, securing a competent buyer representative is a smart first step

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Closing a real estate transaction is often one of the largest financial and emotional transactions that most people make in a lifetime and therefore includes many parties and dates that will require your flexibility when necessary.

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