Buying a Home in Ridgefield CT
Whether you are a first-time home buyer or are looking to relocate, nothing can make this process easier and more enjoyable than the help of an experienced realtor. At Coldwell Banker, we understand that buying a home in Ridgefield, CT isn’t going to be well-versed on the intricacies of real estate. This is why our knowledgeable real estate agents, like Amy Mosley, partner with clients in order to help them navigate the challenging task of finding and purchasing the perfect home.
In Ridgefield, there are countless homes and neighborhoods that boast attractive features and characteristics. Since this is the place that Amy and her family call home, she is committed to helping others make a home in this area as well.
How Amy Mosley Can Help in Buying a Home in Ridgefield CT
Choosing the right real estate agent is almost as important as choosing the right home! Without a real estate agent that understands your specific needs, goals and desires, it can be nearly impossible to narrow down the search and find the home of your dreams. When it comes to the buying a home in Ridgefield CT, no one is more qualified to help you than Amy Mosley.
As an enthusiastic and driven individual, Amy goes above and beyond to see that her clients’ expectations are surpassed when a sale comes to completion. From home location, to home features and even home price, you can count on this Coldwell Banker real estate agent to ensure you find the right place to call your own.
Ridgefield CT: The Steps of the Buying a Home in Ridgefield CT
Step One: Find Your Agent
Hiring a good buyer’s agent is a critical first step to ensure your home purchase goes smoothly.Without a real estate agent that understands your specific needs, goals and desires, it can be nearly impossible to narrow down the search and find the home of your dreams. When it comes to choosing a real estate agent to represent the home buyer in Ridgefield, CT and the surrounding towns, no one is more qualified to help you than Amy Mosley. Whether you are a first-time home buyer or are looking to relocate, nothing can make this process easier and more enjoyable than the help of an experienced and honest realtor like Amy Mosley.Buying a house is a complicated process in the state of Connecticut and you need a skilled realtor that can guide you through the entire process. Amy knows the market and will provide you with the information to help you make informed decisions; not pressure you into one. As your realtor, Amy Mosley, works exclusively on YOUR behalf; looking out for YOU and putting YOUR best interests first.
Ridgefield CT: Step Two: Get Pre-Qualified
It’s so easy to get caught up in the excitement of buying a home but in order to shop with confidence you need to know where you stand financially first. Getting with a local certified Connecticut lender to review your current financial situation is an essential step to a stress-free search. All lenders are not created equal so you want to find one that is reputable, experienced and LOCAL. A lender can make your transaction smooth or a total nightmare. Amy Mosley has relationships with many local lenders but only recommends those who have demonstrated a proven track record of under-promising and over-delivering. Amy believes that a good lender can make the difference in a transaction making it to the closing table on time or not at all.
Why is a pre-qualification so important? Until you have a clear understanding of what you can afford and what you are comfortable spending towards your purchase, you will have no idea what price range to tell your realtor, Amy Mosley. In order to search for find the “right” home for you, a prequalification is necessary. A pre-qualification saves you time, frustration and disappointment in your search. Once this process is complete your local lender will provide you with a pre-qualification letter that you will need to share with your realtor, Amy Mosley. Any offer that Amy presents on your behalf must also include a copy of the pre-qualification letter. NOW you are prepared and ready to act quickly on a property that you decide is the “right“ property for you. And in this business, preparation and organization is key.
Ridgefield CT: Step Three: Make A Plan
This is when you put together your wish list starting with your needs and wants in a home. Start with the essential needs; number of bedrooms, baths, garage spaces,etc and then expand into your wants; renovated kitchen, second floor laundry room, finished basement etc. Your next step is to consider your moving timeline; keeping in mind that a typical purchase transaction from offer to closing takes 45-60 days. Once these steps are completed, the research to find the “right” home for you can begin. Amy will take your list and combine it with her market and inventory knowledge to select homes of interest just for you. She will also set you up with your very own MLS customer account that will notify you anytime a property comes onto the market that meets your criteria. This will save you hours of search time on other platforms while providing you with the most accurate and timely information available.
Ridgefield CT: Step Four :Time To Go Shopping
Now that we have a clear picture of what it is you need and want in a home and your timeline has been established, the fun begins. It’s time to go shopping. Realtor, Amy Mosley, will search for properties that meet your criteria, schedule time with you to go view the property and provide you with the tools to keep organized during our shopping trip. If you want to participate in the search, use Amy Mosley’s website as a powerful updated search tool with in-depth community information for each property. It’s your one-stop shopping place for all your real estate needs. When it comes time to comparing all the properties and making a decision, realtor, Amy Mosley, will offer her professional and patient counsel to help you come to a conclusion that is right for you and your family. Once you decide on the Ridgefield home that you want to make an offer on, Amy Mosley will analyze the market conditions and provide you with the information needed to determine the best price to offer. She will write up the offer, submit it and negotiate in your best interest to secure an accepted offer.
This is also when a real estate attorney needs to be selected to represent your legal rights through closing; no title companies in Connecticut. If you don’t have an attorney, Amy Mosley is happy to refer one to you. She has established strong working relationships with those real estate attorney’s that have a proven track record of keeping the customer informed while managing the many complexities of the transaction.
Ridgefield CT: Step Five: Due Diligence; Inspection & Appraisal
You have an accepted offer, now it’s time to do your due diligence on your potential purchase to insure there are not any major issues or concerns. Calling in qualified, highly reputable inspectors for the home, well, septic and radon inspections is customary. Amy Mosley maintains relationships with many of the top inspectors in the area. Once the results are in, Amy will review the findings with you and determine what needs to be negotiated further. This is also the time that the bank will send in their appraisal to insure that the house is worth the amount of money that you are borrowing from them. Assuming all goes well, we can move forward to the closing table.