Are you looking to purchase a home in Naples? Metro Properties can help.

Purchasing a home is intimidating for most people, but it's not very confusing with some planning ahead of time. So you understand exactly what to expect, we like to furnish our buyers with an overview of the whole deal. These are our nine steps to purchasing a home.

Step 1 – Get ready to buy a home
Before you start looking for a home, there are plenty of things you should do. It's likely that you'll want to create an index of must-haves, get a plan of what neighborhoods and school districts you'd like to live in, and begin working on your budget. Ensuring your mortgage payment is less than 1/3 of your monthly income is a good rule to follow.

Step 2 – Get with a real estate agent in Naples
That's where we come in. We can book a time to meet so we can talk about your real estate needs and get an idea of your plans for the future. We'll discuss neighborhoods, schools in the Naples area, the mortgage and housing industries, and any other economic factors that could potentially affect your purchase today or in the future.

We can also help you begin the loan process. There are some excellent mortgage professionals in Naples, and we work with a lot of them, so you can rest assured that you're in great hands. They'll assist you in determining which type of loan is best for you and help you get approved.

Step 3 – Start house-hunting
After our first meeting, we'll start searching for available homes on the market that meet your needs. We'll research most of the homes and eliminate the bad ones, and then we'll book appointments to view the homes at a time that's convenient for you.

When we view houses, we'll show you the positive features, as well as bad ones. we'll even ask you to tell us about things you like and dislike. It's widely common for buyers to amend their wish list as we view houses and some things become far more necessary than others. If that's the situation, we'll go back through the listings one more time and trim it down to the house of your dreams.

Step 4 – Get a feel for the housing market
Our awareness of the Naples housing market is an essential resource in your search. We're acquainted with all the school districts and neighborhoods, and we will communicate some neighborhoods are "hot" and call for prompt action and the rest that are "cold" and allow for careful consideration.

As we view homes, we'll let you know when the asking price has room for bargaining and when we know the house is "priced to sell." When working with an agent, be on guard and make sure you ask plenty of questions. Every real estate agent will tell you they understand the home market. If it appears they don't know everything, contact us at 800-252-6633 or e-mail us at agent@alamode.com, and we'll be happy to answer any questions you might have. Our market knowledge will help you stay a step ahead through the entire deal.

Step 5 – Find the house you've been waiting for
We're confident we'll find your dream home in the Naples area, and when that happens, we'll carefully develop your purchase offer. The offer will be written keeping your needs in mind. Whenever necessary, We never forget to make contracts contingent upon items like acquiring financing and the results of the home inspection.

When submitting your purchase offer, you'll need to present "earnest money." This is a cash deposit given to the seller to secure the offer to buy the property and is typically put towards the closing costs. If your offer is accepted by the seller, we should close on the home about 30 to 60 days after. This allows enough time for your mortgage financing.

Step 6 – Negotiate the deal
Most deals don't close on the beginning offer – it's pretty common to receive a counter offer. Don't let this alarm you. We'll discuss whether or not to agree to the counter offer, present our own counter offer, or decline the seller's offer and go on.

How aggressively we negotiate the deal depends on market conditions. We'll also work within your budget. And at the end of the day, we'll formulate a deal that is best for you.

Step 7 – Get your loan
After the deal is signed, you'll start working with your lender to close the loan. If you're already pre-approved, it won't take much time at all. However, you should to stay in close contact with your mortgage lender. And we'll deal with all the property information your mortgage lender will need to close the loan.>

Step 8 – Close the deal
You'll get a Good Faith Estimate (GFE) detailing closing costs from your lender within three days of taking your loan application. The estimate is based on the loan amount, and RESPA requirements order that it has to contain all closing costs and fall within a narrow range of accuracy. we'll go over the estimate and let you know if it all looks permissible.

Then we'll close on your home. This will most often happen at a title company or escrow office and will most often be a smooth and hassle-free occurrence.

Step 9 – Move in
You made it! It's time to move into your new home. Enjoy it. And if you need anything or have any questions, just contact us at 800-252-6633 or send us an e-mail.