Serving Waupaca, Scandinavia, Iola, Weyauwega and the
Chain O' Lakes

Before the search begins

• I'll want to meet with you, or at the very least talk to you on the phone, so we can discuss what you are looking for. If we meet in person, we can search the Multiple Listing Service (MLS) right then so you can see first hand what is currently on the market.
  
  
• You will want to create a "wish list" of criteria for your new home. There will be some things that you will have to have and others that you will want, but can get by without. Make sure you let me know which are which. If we only look for homes that meet all criteria on your wish list, we may miss some that you would really like.
  
  
• I'll recommend that you go to a lender (i.e.; bank, credit union, mortgage broker) and get pre-qualified for a loan. Sometimes what people think a lender will do for them is not the same as what the lender really will do. If you will be applying for other than a conventional loan, there may be certain criteria that the home you buy will have to meet. This will also give us a realistic price range.
  
  
• I would like to know how it goes with your loan officer. We may need to change some of your search parameters due to what bank says.

During the search

• I will notify you whenever new listings hit the market that match your criteria. I will be looking at every office's listings, not just Coldwell Banker's listings. When I find new listings I will call you and I can also e-mail, fax or mail the listing info sheets to you.
  
  
• When I let you know about new listings, drive by them (if possible) to confirm that you like the location and surrounding area and then call me if you are interested in seeing them. Keep in mind that I am a full-time agent and I am available seven days a week. I will accommodate your schedule when we are setting up appointments to view property.
  
  
• If you ever drive by a house with a for sale sign on it or see an ad for a property that I haven't let you know about but you think you might be interested in it, please don't hesitate to call me about it. Remember, I can show you other office's listings, as well as my own.
  
  
• When you find the home that you would like we will write up an offer to purchase on it. This offer will then be presented to the seller who will accept, counter or reject it.

Once you have an accepted offer

• It will be time for you to make your actual loan application. If you have already pre-qualified with your bank, they will probably have the majority of the things they need from you or they will have told you what you need to bring with you once you have an accepted offer. Here's a link to a loan application checklist that should help you out if the bank hasn't given you anything.
  
  
• I always recommend that buyers get a home inspection. This, along with any other inspections will be something that has been written into your purchase agreement. Some inspections/tests will be your responsibility to get done and some will be the sellers. I can help you in arranging any that are your responsibility.
  
  
• Shortly before closing you will need to call the utility companies to get these all switched over to your name effective right after closing.
  
  
• Make sure you get your homeowner's insurance, which should become effective the day of closing.

The closing

• Just prior to closing you will be given the final figures of how much money you will need to bring to closing with you. This should be brought to closing in the form of a cashier's check made payable to the bank or the closing company.
  
  
• You will also need to bring proof of insurance with you to closing.
  
  
• Congratulations you now own a new home! You can take possession as agreed upon in your purchase agreement, normally on the day of closing.