Are you looking to buy a home in Plantsville? Perrella Realty, LLC. can help.

Purchasing a home can be stressful for many people, but it's not that complicated with a bit of up-front planning. So they'll understand exactly what they can expect, I like to supply buyers with an outline of the entire deal. Here are my nine steps to purchasing a home. Should you have questions regarding any of this information or if you're prepared to get started, just contact me here or e-mail me at .

Step 1 – Prepare to buy a home
Before you begin your home search, there are a lot of things you should consider. You'll most likely want to assemble an index of items you want, get a feel for what school districts and neighborhoods you'd like to live in, and start working on your budget. A good rule of thumb to adhere to is that your mortgage payment should be less than or around 30 percent of your net monthly income.

Step 2 – Speak with a real estate agent in Plantsville
That's where I come in. I'd like to book a time to meet with you and communicate with you regarding why you want to buy a home and get an idea of your upcoming plans. We'll discuss everything from neighborhoods, school districts in the Plantsville area, the mortgage industry, to any other economic factors that may affect your buying decision today or in the future.

In addition, I'll help you get started on your loan. There are some very good mortgage professionals in Plantsville, and I partner with a lot of them, so you can rest assured that you're in great hands. They'll assist you with figuring out which type of loan is best for you and help you get qualified.

Step 3 – Begin house hunting
After our first meeting, I'll begin searching for houses on the market that are good for you. I'll research most of the homes and remove the bad ones, and then we'll set up appointments to view the homes whenever it's most convenient for you.

As we view homes, I'll identify positive features and negative ones. I'll even ask you what things you like and dislike. It's widely common for buyers to change their wish list as we view homes and some items become more necessary than others. If that happens, I'll look through all the listings another time and trim it down to the house of your dreams.

Step 4 – Get a grasp of the housing market
An agent's awareness of the Plantsville home market is a fundamental component in your house search. And I assure you I'm conscious of all the neighborhoods and schools, and I can communicate what neighborhoods are "hot" and demand prompt action and some that are "cold" and allow for thoughtful examination.

As we tour houses, I'll let you know if the asking price has room for negotiation or if I believe the home is "priced to sell." When working with an agent, be careful and make sure you ask lots of questions, as every real estate agent in Plantsville will convince you they truly understand the market. If things don't add up, contact me at 860-621-7130 or e-mail me at , and I'd be glad to answer any questions you might have. My market expertise will keep you a step ahead throughout the entire deal.

Step 5 – Find your dream home
We'll find your dream home in Plantsville, and when that happens, I'll carefully develop your purchase offer. The offer will be made to suit your needs and the home. We'll include many contingencies, such as acquiring financing, completing the inspection, and a clear title.

When sending in your offer, most likely you'll want to submit "earnest money." This is a cash deposit submitted to a home seller to secure an offer to purchase the property. The amount is usually put towards the cost of closing. 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
Most contracts aren't closed on the first offer, and it's really common to receive a counter offer. Don't let this intimidate you. We'll talk over whether or not to consent to the counter offer, submit our own counter offer, or reject the seller's offer and move on.

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

Step 7 – Get your loan
Upon completion of the deal, you'll begin working with your lender to close the loan. This won't take long at all if you're already pre-approved, but you'll want to keep in close contact with your lender. And I'll take care of all the property information your lender will need to close the loan.

Step 8 – Close the deal
You'll get a Loan Estimate (LE) detailing closing costs from your lender within three days of accepting your application. The estimate is based on the loan amount, and RESPA requirements mandate that it has to include all closing costs and fall within a tight range of accuracy. I'll analyze the estimate and let you know if everything looks permissible.

Then it's time to close on your home. This will most often occur at a title company or escrow office and is often a smooth and relaxed affair.

Step 9 – Move in
Congratulations! It's time to move into your new house. Enjoy it. And if you need anything or have any questions, make sure you contact me at 860-621-7130 or e-mail me at .