A

Initial Consultation

 – Agency Disclosure
 Overview of buying process
– 
Buyers needs and wants
– 
Financial qualifications

Representation Agreement

 – Services and fees
– 
Client and agent obligations

Mortgage Application

 – Select lender/mortgage
company
– 
Initiate application process
– 
Get pre-approval from
lender

Select Location

 – Town profile
– 
School system
– 
Tax rate
– 
Growth rate
– 
Appreciation potential

Property Search

 – Multiple Listings (MLS)
– 
For sale by owner
– 
New construction
– 
Auction/bank owned

B

Pre-offer Search

 – Property Analysis
– 
Property history (list/sale)
– 
Zoning/deed restrictions
– 
Opinion of value

Offer Strategy

 – Price and terms
– 
Contingencies

Offer Presentation

Offer Acceptance

 – Binder deposit required

Home Inspections

 – Analyze results
– 
Renegotiate if necessary

Schedule Appraisal

P & S Agreement

 – Preparation
– 
Review by attorney
– 
Additional deposit
required

C

Finalize Mortgage Application

Loan Approval

 – Obtain commitment letter
from lender
– 
Notify seller/seller’s agent

Work by Lender’s Attorney

 – Title search
– 
Obtain municipal lien
certificate
– 
Assemble paperwork for
settlement

Coordinate Closing Details

Final Property Walk Thru

 – Day of closing

Closing

 – Sign documents