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Buying Your Home

1. Initial Consultation

Reach out to me, define your priorities and time-frame.  I will work as your advocate and trusted advisor to help guide your search.







2. Get Pre-Approved

Before beginning your search, your first step is to get pre-approved for a mortgage loan (unless you will be paying in cash for the full price of your home). I can connect you to a mortgage advisor. Based on your income and credit history, the mortgage advisor will determine how much a bank will lend you, which will help you determine the price range for your search.


3. Visit Properties

Attend viewings and open houses spanning a range of areas and property types. Now is the time to consider your ideal location and amenities. Ask me about Compass Coming Soon and off-market opportunities.





4. Identify Property and Review Disclosure Package

Once you have selected a property, you are ready to write an offer. I am well versed in the local real estate contracts and terms as well as disclosure obligations by the seller.





5. Negotiate and Write an Offer

Your offer is a non-binding agreement to pay a certain price for the home. If your offer is lower than the list price, the seller will likely return with a “counter offer”, which you can choose to accept, reject, or counter.  I will advise on pricing throughout the process.




6. Due Diligence

During the escrow process you will have an opportunity to inspect the property, review homeowner’s association documents, if any. Select home insurance coverage and submit to escrow. Remove contingencies.




7. Final Walk-Through with Your Agent

A final walk-through ensures that the property's condition hasn't changed since your last visit and that the terms of your contract will be met.



8. Closing of Escrow

Congratulations,
you are now a home owner!
Celebrate!




9. Stay Connected With Me

Inquire if I can recommend you home service providers when your house needs repair or when you consider to upgrade. 






Work With Cami

Cami Czarny is a leading real estate agent and has helped many buyers & sellers achieve their real estate dreams in Los Gatos, San Jose, and surrounding communities.
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