Contemplating purchasing your home in Plantsville? Perrella Realty, LLC. can help.

With some up-front planning, buying a home isn't all that difficult, but the event can be stressful for many people. I like to give buyers a road map of the entire deal so they understand exactly what they can expect. Below are my nine steps to purchasing a home. Should you have any questions about this information or if you're prepared to get started, just contact me here or e-mail me at .

Step 1 – Prepare to buy
There are several things you'll want to consider before you start searching for a home. When you start your search, you'll want to assemble a checklist of features you want, get a feel for what neighborhoods and school districts you want to live in, and start planning around your budget. Keeping your mortgage payment less than 1/3 of your monthly income is a good guideline to follow.

Step 2 – Connect with a real estate agent in Plantsville
That's where I come in. We can plan 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 talk about everything from neighborhoods, school districts in the Plantsville area, the mortgage and housing industries, to any other economic factors that could affect your purchase today or in the future.

In addition, I'll assist you in getting started on your loan. There are some excellent mortgage professionals in Plantsville, and I partner with a lot of them, so you can rest assured that you're in great hands. They can help you determine which type of loan is best for you, as well as help you get approved.

Step 3 – Start your home search
After we meet for the first time, I'll begin searching for available houses on the market that best suit you. I'll get a sneak peek of most of the houses and reject the duds, and then we'll schedule appointments to view the houses whenever it's convenient for you.

As we tour the houses, I'll identify positive features, as well as negative ones. I'll even ask you what things you like and don't like. For the most part, buyers revise their must-have list as we tour houses and some things become more necessary than others. If such is the case, I'll go back through the listings once again and trim it down to the home of your dreams.

Step 4 – Comprehend the housing market
My awareness of the Plantsville home market is an imperative agent in your home search. I am acquainted with all the neighborhoods and school districts, and I can alert you to certain neighborhoods are "hot" and call for prompt action and some that are "cold" and allow for thoughtful consideration.

When we view houses, I'll make sure to communicate when the asking price has room for bargaining and when I know the house is "priced to sell." Any real estate agent in Plantsville will tell you they know the market, but be careful, and be sure to ask a lot of questions. If things don't add up, call me at 860-621-7130 or e-mail me at , and I'll be more than happy to answer any questions you have. My market expertise will help you stay a step ahead through the entire deal.

Step 5 – Find the home of your dreams
I know we'll find the house of your dreams in the Plantsville area. When that happens, I'll carefully create your home purchase offer. The offer will be tailored with your needs in mind and the home, including a lot of contingencies, such as getting financing, finishing the home inspection, and a clean title.

When we present your purchase offer, you'll probably need to submit "earnest money." This is a cash deposit made to a home seller to secure an offer to purchase the property and is most often applied to the closing costs. If the seller accepts the offer, we should close about 30 to 60 days after. This allows sufficient time for your mortgage financing.

Step 6 – Negotiate
Most deals don't close on the initial offer, and it's pretty common to receive a counter offer. But don't let it discourage you. We'll discuss whether or not to take the counter offer, propose our own counter offer, or decline the seller's offer and go on.

Market circumstances will play a vital role in how aggressively we negotiate the contract. We'll also work within your financing limits. And when it's all said and done, we'll put together a deal that's best for you.

Step 7 – Obtain a loan
Once the deal is finished, you'll start working with your mortgage lender to close the loan. If you're already pre-qualified, this won't take very long at all, but you'll need to keep in close contact with your lender. And I'll care for all the property information your lender will need to close the loan.

Step 8 – Close the deal
You'll get a Loan Estimate (LE) outlining your closing costs from your mortgage lender within three days of taking your application. The estimate is formed from the loan amount. RESPA requirements require that it has to contain all closing costs and be within a close range of accuracy, and I'll analyze the estimate and let you know if everything looks okay.

Then we'll close on your home. This should happen at a title company or escrow office and will probably be a smooth and stress-free event.

Step 9 – Move in
Congratulations! Now you can move into your new home. Enjoy it. And if you need anything or have any questions, simply contact me at 860-621-7130 or e-mail me at .