Are you contemplating purchasing your home in Santa Fe? Leyba Real Estate LLC can help.

For a lot of people, purchasing a home can be a stressful event. However, with a bit of planning ahead of time, it's not all that difficult. So they'll understand exactly what they can expect, I'll provide buyers with an overview of the whole deal. These are my nine steps to buying a home. When you're ready to get started, just contact me here or e-mail me at . I'm happy to address any questions you have about this information.

Step 1 – Prepare to buy a home
There are plenty of things you'll want to contemplate before commencing your home search. When you begin your search, you'll want to assemble an outline of features you want, get a feel for what school districts you'd like to live in, and begin working on your budget. Ensuring your mortgage payment is around a third of your monthly income is a good principle to follow.

Step 2 – Contact a real estate agent in Santa Fe
That's where I can help. I'd like to plan a time to meet with you and speak with you regarding why you want to buy a home and get an idea of your plans for the future. We'll discuss neighborhoods, school districts in the Santa Fe area, the mortgage industry, and any other economic factors that may affect your purchase today or in the future.

I'll also help you get started on your loan. Leyba Real Estate LLC partners with some of the finest mortgage professionals in Santa Fe, so you'll be in great hands. They'll help you decide which type of loan is best for you, as well as help you get approved.

Step 3 – Start house-hunting
After we meet for the first time, I'll start finding available houses on the market that best suit you. I'll get a sneak peek of many of the houses and throw out the bad ones, and then we'll book appointments to view the homes whenever it's convenient for you.

When we view houses, I'll point out positive features, as well as bad ones. I'll also ask you what things you like and dislike. Frequently, buyers amend their wish list as we tour houses and some things become far more crucial than others. If such is the case, I'll go back through the listings once again and trim it down to the home you've been wishing for.

Step 4 – Understand the market
Your agent's awareness of the Santa Fe housing market is an imperative agent in your house search. And I assure you I'm familiar with all the school districts and neighborhoods, and I'll communicate some areas are "hot" and demand prompt action and some that are "cold" and allow for thoughtful analysis.

When we view homes, I'll let you know when the list price has room for negotiation and also when I believe the home is "priced to sell." Trust your instincts and be sure to ask a lot of questions, as every real estate agent will claim to truly understand the home market. If it seems like they don't know everything, just call me at 5054730223 or e-mail me at , and I'd be happy to answer your questions. My understanding of the market will keep you a step above the rest through the entire deal.

Step 5 – Find the home you've been looking for
We'll find your dream house in Santa Fe, and when we do, I'll meticulously develop your purchase offer. The offer will be made to suit your needs and the home. We'll include many contingencies, such as getting financing, completing the home inspection, and a clean title.

Upon presenting your purchase offer, you'll probably need to submit "earnest money." This is a cash deposit given to a seller to secure the offer to purchase the property and is typically applied to the closing costs. If the seller accepts your offer, we should close on the property about 30 to 60 days after. This allows ample time for your mortgage financing.

Step 6 – Negotiate the deal
Unfortunately most contracts don't close on the beginning offer, and it's very common to receive a counter offer. But don't let it discourage you. We'll consider whether or not to consent to the counter offer, propose our own counter offer, or decline the seller's offer and go on.

Market conditions will play a big part in how aggressively we negotiate the contract. We'll also work within your financing budget. And when it's all said and done, we'll compose a deal that's best for you.

Step 7 – Obtain a loan
Upon completing the contract, you'll start working with your lender to close the loan. If you're already pre-approved, this won't take long at all, but you need to stay in close contact with your lender. And I'll handle all the property information your lender needs to close the loan.

Step 8 – Close the deal
You'll get a Loan Estimate (LE) of closing costs from your mortgage lender within three days of taking your loan application. This estimate is formed from the loan amount. RESPA requirements dictate that it has to contain all closing costs and be within a strict range of accuracy, and I'll study the estimate and let you know if it all looks good.

Then we'll close on your house. This will most likely take place at a title company or escrow office and will probably be a smooth and relaxed affair.

Step 9 – Move in
Congratulations! It's time to move into your new home. Enjoy it. And if you need anything, make sure you contact me at 5054730223 or e-mail me at .