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Time to Start Moving In!
Reaching the final stage of the home buying process is an exciting milestone. Whether you celebrate or simply feel relieved, there are a few important steps to complete before everything is finalized.
Final Walk-Through Inspection
The final walk-through is your last opportunity to view the property before closing. At this stage, all agreed-upon contingencies should be completed and the seller should have removed their personal belongings. This inspection is typically scheduled within a day or two before closing to confirm the property's condition meets the terms of the agreement.
Closing
Once you are satisfied with the final walk-through, the closing process can begin. During closing, all parties will sign the necessary documents, including the settlement statement outlining the financial details of the transaction. You will also complete your loan documents and submit any remaining funds required for your down payment and closing costs.
Funds are typically provided via certified check or wire transfer, depending on the instructions from the closing agent. After all documents are signed and funds are received, the transaction is finalized. The deed is then recorded with the appropriate county office, and ownership of the property is officially transferred to you.
When you are ready to get started, call us at 707.290.5890 or complete this short form and one of our agents will be in touch.
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Tips For Buying The Perfect Home
Don’t Max Out Your Budget
Just because you’ve been approved for a max amount, doesn't mean you should spend it all on the home's sale price. You will want to set some of that aside for closing costs, taxes and potential home repairs or remodeling.
Get To Know The Area
Make sure the neighborhood works for you and your family - are you close to schools and is shopping conveniently located? Location is important because it’s the one feature that can’t be changed.
Don’t Skip The Inspection
Inspections are worth their weight in gold and will draw attention to problems you may not otherwise see, giving you peace of mind and letting you make more informed decisions about your purchase.
Get Pre-Approved
Getting pre-approved by a lender lets the seller know you are serious and ready to purchase a home and that you are not just window shopping. Check out our list of recommended lenders here.
Make a List of Deal Breakers
Know what you can live with and what you cannot live without and also those things that can be taken care of with a simple remodel. If you need a 4 bedroom home, don't buy one with 2 that requires a massive addition which can break your budget.
Look At The Age Of Appliances & Other Systems
Some of the most expensive features of a home are Appliances, HVAC, Hot Water Heater, Septic/Well, and Roof. You should pay attention to their age and whether they have required service. You may even be able to get the seller to add a home warranty.
Check For HOA Requirements
Most neighborhoods have HOAs that govern what you can and can't do - be sure you know what the rules are for your neighborhood, and the fees associated with having an HOA. They are usually listed as annual fees.
ONE PARTNER FOR ALL YOUR REAL ESATE NEEDS
What Price Range Can I Afford?
Resources For Fairfield Home Buyers
The journey to homeownership starts by understanding how much you can afford. One major thing to consider is your down payment, if any. Many consumers believe it's impossible to buy a home without at least 20 percent down. But thanks to various government-sponsored programs, many people can now buy a house with as little as 3.5 percent toward a down payment. Veterans of the U.S. military have zero-down programs available.
Working with a knowledgeable mortgage professional is essential to navigating today's lending options and determining what works best for your financial situation. We're happy to connect you with trusted lenders who can provide up-to-date guidance and help you explore available financing solutions.
Areas We Serve
- Fairfield
- Suisun City
- Rio Vista
- Vallejo
- Vacaville
- Benicia
- Cordelia
- Napa
- Sacramento
- Davis