Buying your home in Millersburg?

Purchasing a home is stressful for a lot of people, but with some planning ahead of time, it's not very complicated. So you know exactly what to expect, I like to supply my buyers with an outline of the whole deal. These are my nine steps to purchasing a home.

When you're ready to get started, just contact me here or send e-mail to I'm glad to answer questions you have about this information.

Step 1 – Prepare to buy a home
Before you begin your home search, there are plenty of things you need to do. You'll most likely want to form an index of must-haves, plan for what school districts you want to live in, and begin planning around your budget. Keeping your mortgage payment less than or around 30 percent of your monthly income is a good rule of thumb to follow.

Step 2 – Get with a real estate agent in Millersburg
That's where I can help. We can plan a time to meet so we can talk about your real estate needs and get an idea of your upcoming plans. We'll discuss everything from neighborhoods, school districts in the Millersburg area, the mortgage industry, to any other economic factors that may affect your buying decision today or in the future.

I can also help you facilitate the loan process. JCT Realty, Inc. partners with some of the finest mortgage professionals in Millersburg, so you're in great hands. They can assist you with figuring out which kind of loan is best for you and help you get approved.

Step 3 – Begin your home search
After we meet for the first time, I'll begin searching for homes on the market that are a great fit for you. I'll get a sneak peek of many of the homes and reject the duds, and then we'll schedule appointments to tour the houses when it's convenient for you.

As we view homes, I'll point out good features, as well as negative ones. I'll also ask you to talk about things you like and don't like. It's pretty common for buyers to revise their wish list as we view houses and some features become more necessary than others. If that's the case, I'll go back through all the listings once again and trim it down to the home you've been waiting for.

Step 4 – Get a grasp of the housing market
My understanding of the Millersburg market is an indispensable benefit in your house search. I am mindful of all the school districts and neighborhoods, and I'll communicate certain areas are "hot" and call for immediate action and others that are "cold" and allow for thoughtful examination.

As we view houses, I'll be sure to tell you if the asking price has room for bargaining or if I believe the home is "priced to sell." Any real estate agent will convince you they truly understand the market, but be on guard, and make sure you ask your agent lots of questions. If things don't add up, contact me at (717) 692-2206 or e-mail me at, and I'll be happy to answer any questions you might have. My knowledge of the market will help you stay a step ahead throughout the entire deal.

Step 5 – Find the house you've been waiting for
I'm positive we'll find the home of your dreams in the Millersburg area. When we do, I'll thoroughly develop your home purchase offer. The offer will be tailored exactly to your needs, including many contingencies. A few examples are acquiring financing, finishing the home inspection, and a clean title.

Let JCT Realty, Inc. guide you through finding your dream home in Millersburg When we send in your purchase offer, you'll likely want to present "earnest money." This is a cash deposit submitted to a seller to secure an offer to purchase the property and is typically put towards the closing costs. If your offer is accepted, we should close on the home within 30 to 60 days afterward. This allows necessary time for your mortgage financing.

Step 6 – Negotiate
A lot of contracts aren't closed on the initial offer – it's pretty common to receive a counter offer. But don't let this discourage you. We'll talk over whether or not to consent to the counter offer, present our own counter offer, or refuse the seller's offer and move on.

How aggressively we negotiate the contract depends on market conditions. In addition, we'll work within your financing limits. And at the end of the day, we'll create a contract that's best for you.

Step 7 – Obtain a loan
Upon completion of the deal, you'll begin working with your mortgage lender to close the loan. If you've been pre-approved, it won't be a long process at all, but you'll need to stay in close contact with your lender. And I'll sort out all the property information your mortgage lender will need to close the loan.

Step 8 – Close the deal
You'll get a Good Faith Estimate (GFE) detailing your closing costs from your lender within three days of taking your loan application. The estimate depends on the loan amount. RESPA requirements require that it has to involve all closing costs and be within a precise range of accuracy, and I'll analyze the estimate and let you know if it all looks adequate.

Then it's time to close on your home. This will most often happen at a title company or escrow office and will most likely be a smooth and relaxing occasion.

Step 9 – Move in
Success! Now you can move into your new home. Enjoy it. And if you need anything, make sure you call me at (717) 692-2206 or send me an e-mail.