Buyer’s Guide


A timeline to purchasing your dream home:


1)      Get pre-qualified for a loan if needed. 

(This will help me better understand in what price range to start searching for you.)


2)      Discuss with me your wants and needs.


3)      Review email home alerts as they come in.


4)      View properties with me.


5)      Writing an offer:

a.      Discuss offering price strategy.

b.      Sign agency disclosure.

c.       Explain liquidated damages/arbitration.

d.      Review and sign Residential Purchase Agreement (RPA).

e.      Obtain pre-approval letter and verification of funds.

f.        Send photo image of earnest money deposit (EMD).

g.      Write cover letter if necessary.  


6)       Contingency Period:

a.      EMD (1-3%) check to title within 3 days of acceptance.

b.      Verification of funds (if not included with pre-approval letter).

c.       Order home warranty.

d.      Order inspections and appraisals (buyers choice, expense and non-refundable).

e.      Review and Sign for receipt of disclosures (seller disclosures + standard disclosures).

f.        Good faith estimate from lender and title (these will give an estimate of closing cost).

g.      Insurance (select provider, send info to lender)

h.      Submit any final documents needed for loan approval per lender’s direction.


7)      Remove Contingencies:

a.      Complete any final negotiations prior to lifting contingencies.

b.      Lift contingencies (sign removal form).

c.       Increase of deposit (1-3%) to title and sign increased of deposit liquidated damages form if in contract. .


8)      Property pending – committed to sale.

a.      Final walkthrough and verification of property condition within remaining 5 days to COE.


9)      Signing of docs at title (I will be there with you):

a.      Final funds are due.

b.      Schedule utilities to be transferred.

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10)   Property records and title transfers to your name!!!


       Steven Cozza

                                  Frank Howard Allen Realtor



                                  BRE# 01915699

                                 Your Resource in Real Estate”