When you select Bill Moisson to guide you through the home buying process, you’ll be working with a seasoned professional who knows how to help you get the home that you want, at a price that makes sense.

 

Here are the 5 Main Steps in my process, from start to finish:

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1)   UNDERSTANDING YOUR GOALS - What you want, and where, and when​

• When do you want to move into your new home?

• What price range are you looking for?

• Is this a first home purchase, a relocation, a move-up, etc?

• How many occupants, any special needs, any pets?

• What lifestyle considerations are important to you?

• What location considerations are important to you?

• What type of property (house, condo, loft, etc)?  Any outdoor space needs?

 

2)   GETTING YOU PRE-APPROVED FOR A LOAN - You gotta be ready to pounce​

• Put you in touch with proven, useful, local lenders who can provide highly competitive financing terms for you

• Your lender needs to be well known within the local real estate community; a pre-approval letter from an unknown and/or out-of-area lender can create serious doubts in the mind of the seller’s agent

• Once the lender issues a pre-approval letter, then we will be ready to make an offer as soon as the right property turns up

 

3)   FINDING THE RIGHT PROPERTY - There are never enough good properties in SF​

• Establish specific search criteria (neighborhoods, price range, property type, bed and bath count, etc)

• Activate the “auto-prospecting” feature in the MLS search, so that you and I both receive up-to-the-minute email notification of every new (or modified) listing that fits the search criteria

• Preview properties for you during the weekly Brokers Tour

• Make best use of personal networking to find out about upcoming listings

• Email you a weekly list of recommended properties that you can see during Open Houses (and attend Open Houses with you when possible)

• Arrange special Showing Appointments for you as needed

 

4)   PREPARING A SUCCESSFUL OFFER - Be a winner​

• Review all available seller disclosures with you, to help you understand the property’s details

• Review recent sales of similar nearby properties with you, to help you decide how much the property is worth to you

• Help you decide on appropriate contract contingencies (financing, inspections, etc)

• Learn what factors are important to the seller, and how much competition there is for the property, and review that information with you

• Work with you to prepare a written offer that is designed to elicit a response from the seller

• Submit the offer to the seller and sellers agent on your behalf

• Advise you on any counter offers received from the seller, negotiate terms on your behalf, and help you finalize a valid legal contract for your purchase of the property

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5)   MANAGING THE TRANSACTION - Tracking the details, all the way to the end​

• Submit a copy of your purchase contract to your lender, so that they can start processing your loan

• Open escrow for you with one of the major nationwide title companies, and monitor the title company’s receipt of your earnest money deposit (typically 3% of purchase price), and issuance of preliminary title report

• Maintain contact with your lender, the title company’s escrow officer, and the seller’s agent, to track the timely performance of necessary actions

• Coordinate your signing of all relevant disclosure documents (typically by electronic signature, for your convenience)

• Schedule inspections, and attend inspections with you

• Keep track of key contractual deadlines, and submit your written contingency removals to the seller’s agent in a timely fashion

• Follow the progress of your loan application

• Keep you informed at every step, and advise you on dealing with both routine matters and unexpected issues

• Schedule your pre-close signing appointment at the title company and attend the signing with you

• Monitor the lender’s funding of your loan, and the title company’s closing of escrow (recording of your deed and your loan documents)

• Collect the keys from the seller's agent, and hand over the keys to you

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