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Your Journey to Homeownership Starts Here

Buying with your best foot forward

The home-buying journey may be daunting. Our step-by-step guide maps out the process with ease. Start your journey by answering a few questions to speak with an agent.

Buying a home starts here!

Eyes on target
Eyes on target

Reaching homeownership

can be a challenging and rewarding goal. Achieving this goal involves establishing sufficient income, engaging with financial services, exploring different homes, and navigating escrow.

Meet your Pecunia agent
Meet your Pecunia agent

Appoint a knowledgeable agent

who genuinely understands your needs and delivers exceptional customer service. An agent with a good network of vendors is crucial to your success.

Honing in on your fiances
Honing in on your fiances

Unlocking your financial potential

is crucial to making a solid start. Navigating the lending landscape can be complex, as there are many financial products, each with its requirements. FHA, conventional, and VA loans have borrower and property requirements. Finding a lender who offers exceptional products and services is the key to setting yourself up for success.

Start with a preapproval application to discover which financial products you qualify for.

Shop around
Shop around

Take property tours and learn

the pros and cons of various property types. Discover properties with HOA’s. Compare building materials and designs. Take inventory of a property’s appliances and systems.

Compare and offer
Compare and offer

When drafting offers

look at recent sales of comparable properties with your agent. Come up with a strategy and plan for getting through escrow. Loop in your lender and include your preapproval letter when submitting your offer.

Negotiate terms
Negotiate terms

Acceptance of an offer

is only the beginning of escrow. Review your negotiated terms and deliver the earnest money deposit.

Conduct invesitgations
Conduct invesitgations

Get to know the home

you are purchasing since not everything is known when you submit an offer. Coordinate inspections with your agent and vendors and review disclosures and reports. 

Fulfill loan requirements
Fulfill loan requirements

Work with your lending team

to complete your loan application and meet underwriter requirements such as the appraisal and verification of income.

Coordinating your closing
Coordinating your closing

The final steps to your purchase

include the verification of property, signing loan and closing documents. 

Home sweet home
Home sweet home

Done deal receive your keys

Enjoy your new home.

Our clients receive a free standard home warranty and

towards their closing cost or after closing.

restoparts

(5/5)

Joseph is a very professional realtor who seemed available whenever we needed to view a home. He is very knowledgeable of the area and showed us homes before they went on the market. He steered us away from a home that was not in our best interest, even though his commission would have been more. When we found the house we wanted, he kept the deal together and got us more seller concessions than we initially wanted. We would recommend Joe.

restoparts

(5/5)

Joseph is a very professional realtor who seemed available whenever we needed to view a home. He is very knowledgeable of the area and showed us homes before they went on the market. He steered us away from a home that was not in our best interest, even though his commission would have been more. When we found the house we wanted, he kept the deal together and got us more seller concessions than we initially wanted. We would recommend Joe.