The Home Buying Process

The Home Buying Process

Decide to Buy

Congratulations, you’ve made the decision to purchase your first home! We believe that this is a good decision. The key now is finding the right home, and we’re here to help you do just that.

Hire the Matt Engen Group

When you make the decision to work with the Matt Engen Group, know that above all else, we put our clients first. We have a strong understanding of the local housing market, we’re honest, ethical and willing to work for you!

Secure Financing

To make the financing process as painless as possible, ask us to introduce you to a preferred financing consultant. This is an important step in the home buying process. With a pre-approval status, you’ll be able to seriously look at homes and be ready to make a legitimate offer.

Find Your Home

There are a lot of homes out there, we’ll help you accurately pinpoint homes that meet your specific criteria by creating an individual MLS search that is unique to you. When you identify a home you’d like to view, call us and we’ll schedule a showing and take you through the home.

Make an Offer

Once a property has been selected, a purchase agreement is written. We present the offer with your pre-approval letter and earnest money check and start negotiations.

Get your Home Inspected

Once you’ve made an offer and the seller has accepted your purchase agreement, you may wish to have the home inspected. More and more people are electing to have a private home inspector inspect the home that they’re buying. In fact, a common way to purchase a home is to make the purchase agreement’s final acceptance contingent upon the results of a private home inspection.

Appraisal

The lender orders the appraisal shortly after the buyer and seller accept the purchase agreement.  The lender typically requires the homebuyer to pay for the appraisal at this time.

Final Approval of Loan

After receipt of appraisal and title work, the lender submits the complete file to the Underwriting Department for final approval. At this time, any additional items that had been requested should have been turned into your lender.  Upon approval, the lender provides the homebuyer with a complete closing  checklist which includes the total costs needed to purchase the home.  The loan “closing package” is created and is sent by courier to the title insurance/closing company.

Final Walk Through

Before closing we will walk you through the property to verify that the property is in substantially the same condition as when we wrote the purchase agreement. This is generally done 1 day before closing.

Closing

The buyer and seller meet at the buyer’s title insurance company. This is where the deed is transferred, final loan application is signed and checks are disbursed. Depending on the terms of the purchase agreement, this is when you typically take possession of your new home. Congratulations!

Happy 4th of July!

I love the 4th of July! Getting together to celebrate the red, white and blue with family and friend is my favorite part of the day. But whatever you do today, where ever you go, make sure you take some time to count your blessings and appreciate the gift of freedom. Happy 4th of July!

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Front Yard Patio’s

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Creating a front yard patio with a couple of Adirondack chairs and a small table is a simple and easy way to add curb appeal to your home. Taking advantage of this valuable real estate is also a great way to get to know your neighbors and get in on a growing trend.

Outdoor Living Spaces

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Creating an outdoor living space not only allows you to enjoy your yard and these warm summer days it can also add value to your home.

Curb Appeal

Landscaping increases curb appeal and creates a beautiful first impression. A home that is well taken care of on the outside will encourage people to go inside. Taking care of your yard before you list and while your home is for sale is worth the time and the effort.

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The Colorful Front Door

When selling houses is your job, you tend to pay attention to what people in the neighborhood are doing to their homes. One thing we’ve been noticing lately is that people are using pops of color on their front doors, after years of only seeing dark red, hunter green, black and brown we’re starting to see yellow, orange and robin blue. If you like this and think you’re ready to take the leap, check out this article, the pictures alone are worth the click and they just may inspire you. http://bit.ly/1inrNjI

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Clean Windows

If you’re selling your home REALTORS® and professional stagers will tell you to clean your windows. Clean windows let more light in, they feel more inviting, and they’ll  make that fresh coat of paint we just asked you to do look even better. So why have we personally avoided this task for 4 years? Well in our defense we live in an older home and all our window are french pane windows, gorgeous yes, but difficult to clean, too many opportunities for streaks, overwhelming and well just like most home owners we tend to put of these types of tasks. So after years of saying, we should do this, why haven’t we done this, and then in desperation giving it a shot on our own, we pulled the trigger and called the guy. They’re here today and I swear I will never put this task off again, I’m calling every Spring. Clean windows really do let more let in, it looks brighter and cleaner in here and that makes us happy, isn’t that what it’s all about.

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Spring spruce up

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As we patiently wait for mother nature to fully bloom adding a few tulips, ferns and a fresh application of mulch are easy and inexpensive ways to spruce up your yard and add some much needed color.

The Matt Engen Group

Team Website

The Matt Engen Group

Our team picture turned out great and we’re excited, it’s been fun to come together as a team. We’ve been able to learn so much by sharing our experiences and problem solving together and we’re looking forward to sharing that combined knowledge and expertise with you. Because when you work with a team you get the experience and expertise of more than one real estate brain, with our team you get four!

Team Pictures

The Matt Engen Group is growing and with that comes the need for new team pictures. And although not a single member of the team was excited about this, we all knew that professional pictures were necessary.  Professional pictures of the homes we list are an important part of our brand, as REALTORS®, we know that buyers begin their home search online and that these pictures can make the difference between the buyer scheduling a showing and never knowing they were interested. So we called on Julia Auerbach, a friend, neighbor and professional photographer to help us out. We just finished up an almost 2 hour session. It was fun, maybe a little painful but we know the end product will be worth it.

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