Buying a Home

The Home-Buying Process

When you decide to purchase a home, you are starting one of your life's largest and most important financial events.

Consult Your Agent

When it is time to buy a home, call your broker. They will help you establish a framework that works for your situation. Haven't partnered with a broker yet? Schedule an appointment with us to discuss your situation in detail. We specialize in buying homes in Southern Illinois.

Set A Budget

You can start by using our Loan Payment Calculator below to estimate how much your monthly payment might be each month. The calculator will give you a good starting point when exploring your options. Your real estate broker can help connect you with a Southern Illinois lender.

Scout Homes

Once you have an idea of your budget, give your broker the details of your wants, needs, timeline, and budget. Your broker will alert you of listings that match your criteria in the area you are searching. You could even drive by any homes that look like they might be a good match.

Schedule Showings

Choose the homes that look like they might be the perfect fit and ask your broker to schedule a showing. It is usually a good idea to rank the properties so that you can view the ones you like the most as soon as possible. The market can be very volatile, and it is common for homes to sell quickly.

Make An Offer

You have now found a home that will be a perfect fit. Your broker and you will review the details of what you want to offer for the home. There are many options you can choose from when building an offer. Your broker will explain everything and ensure you make the strongest offer possible.

Negotiate The Deal

After submitting the offer, your agent will maintain a dialog with whoever represents the property. Your broker must do this vital part of the process with precise timing. There may be other offers you are competing with, or the seller may have a strict timeline for a sale to be successful.

Loan Payment Calculator

If you have a specific home price in mind, utilize the Mortgage Calculator below to determine your prospective monthly payment. The Loan Payment Calculator can assist you in breaking down your monthly principal + interest, taxes, insurance, and overall payment.

usmortgagecalculator.org

Disclaimer:

This calculator is intended for use as an estimation. Always consult with a financial professional before making any decisions. If you are looking in the Southern Illinois area, give us a call today. We would be happy to go over every step of the process.

Check out what some of our clients had to say:

"Katerena is the person I’d want to help me buy or sell a home. She was patient with me and never gave up even when everything was crossed off our list. I know I will use her again!"

"Katarena was awesome through the whole process of home buying. Be it helping me to find homes to see, to answering any questions or concerns I had during the process. She was always quick to respond to anything I asked. She even surprised me by responding on weekends. If she's still in the business when and if I buy another home you can bet she'll be the first realtor I contact. Thank you again Katarena for all your help!"

Looking for USDA-qualified homes? Try USDAProperties.com