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Finding a home and making an offer

Stair Case

In earlier posts we discussed finding the right lender and realtor. Now it is time to move on to the most exciting and sometimes nerve racking part of the home buying process. It is time to search for that home of your dreams and make an offer.

Before hopping into the car with your realtor and looking at anything in the area we find it very helpful to put together a needs list. It will be helpful for you and whoever else may be moving with you to put your needs down on paper and then track how each home you view meets those needs. This is very similar to a “Pros” and “Cons” sheet that many of us do for all decisions.

First write down your basic needs to help you and your realtor filter many of the options out of the initial viewing process.

These are things such as price range, city or town specifics, rural, urban or suburban options, and school district preferences. After that discuss more specific info such as square footage, number of beds and baths, yard type, garage and storage needs and other type amenities.

Finally decide on your timeline and get out there to see as much as possible.

As you see the homes keep track of what preferences are available in each home and which are not.

Once you find the perfect home, meet your realtor and write an offer. You and your realtor should determine the price to offer, who pays what costs, closing dates and several other items that your realtor should help you navigate. You will then present this offer to the seller, possibly have some counter offer and acceptance rounds and once all is agreed upon a purchase agreement will be signed by both parties.  Congratulations!

Carrie loves people and numbers! Carrie has worked in financial services since she graduated from Iowa State with a degree in Finance. She enjoys connecting with new people and developing relationships to foster business and promoting other people. She is an active runner, golfer, enjoys reading, traveling, family, friends, meme sharing, comedy, anything Warren Buffett related and following the markets and investing. Carrie is happiest surrounded by family and dear friends including her boyfriend Mike and his two children most likely laughing or telling stories .

Carrie is also an adult living with Cystic Fibrosis – diagnosed when she was three months old. Cystic fibrosis is a progressive, genetic disease that causes persistent lung infections and limits the ability to breathe over time.

In people with CF, mutations in the cystic fibrosis transmembrane conductance regulator (CFTR) gene cause the CFTR protein to become dysfunctional. When the protein is not working correctly, it’s unable to help move chloride — a component of salt — to the cell surface. Without the chloride to attract water to the cell surface, the mucus in various organs becomes thick and sticky. In the lungs, the mucus clogs the airways and traps germs, like bacteria, leading to infections, inflammation, respiratory failure, and other complications. For every loan I close with Clear Mortgage, I will be donating $200 to the Cystic Fibrosis Foundation, Iowa Chapter. Reach out and apply now!

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