SO YOU WANT TO BUY A HOME?
THE SCV AGENTS TEAM SCOURS THE SANTA CLARITA MLS EVERYDAY AND KNOW WHICH HOMES ARE THE BEST DEALS. LOOK BELOW ON THIS PAGE FOR THE BEST DEALS THEY HAVE FOUND OVER THE LAST FEW DAYS.
THE SCV AGENTS HAS YOUR FIRST TIME HOME BUYER PROGRAM
1)GET A DEAL . THE SCV AGENTS TEAM STUDIES THE SANTA CLARITA REAL ESTATE MARKET EVERYDAY SO THEIR CLIENTS BENEFIT FROM THEIR EXPERT KNOWLEDGE. THEY'LL NEGOTIATE THE BEST DEAL FOR YOU AFTER SHOWING YOU HOMES IN SANTA CLARITA THAT ARE BARGAIN PRICED. THEY DO EXIST!
2)EXPECT INFORMATION. THE SCV AGENTS TEAM WILL MAKE SURE YOU KNOW THE AMOUNT OF YOUR CLOSING COST BEFORE THEY'RE DUE. THEY DON'T LIKE LAST MINUTE SURPRISES. THEY'LL DO EVERYTHING IN THEIR POWER TO MAKE SURE THAT THOSE DON'T HAPPEN TO YOU.
3)THE SCV AGENTS NETWORK. YOU'LL BE MATCHED UP WITH ONE OF THE SCV AGENTS TEAM PREFERRED SANTA CLARITA LENDERS. THEY HAVE ONLY CHOSEN LENDERS WHO EXCEL IN PROVIDING LOANS TO SANTA CLARITA FIRST TIME HOME BUYERS. IF YOU DON'T ALREADY HAVE A LENDER OF YOUR OWN, YOUR IN LUCK!
5)TIME. YOU HAVE PROBABLY ENCOUNTERED A PROFESSIONAL ONCE OR TWICE WHO FAILED TO GIVE YOU THE TIME YOU DESERVE. THE SCV AGENTS TEAM DOESN'T LIKE TO BE TREATED THAT WAY. SO YOU GET THE RED CARPET TREATMENT. THEY'LL INVITE YOU TO THEIR OFFICE, SIT DOWN WITH YOU FOR AS LONG AS YOU NEED IN ORDER TO IDENTIFY YOUR GOALS, BUDGET, AND HOME PREFERENCES SO THEY CAN BETTER HELP MAKE THE PROCESS SMOOTH. ITS YOUR 1ST HOME. YOU'LL NEED SOME TIME AND ATTENTION. NOT A VOICE MAIL SYSTEM AND A PROMISE TO CALL YOU BACK.
6)AUTOMATIC EMAILS. AFTER THE SCV AGENTS TEAM HAS IDENTIFIED WHAT YOU'RE LOOKING FOR, THEY'LL SET YOU UP ON THEIR SANTA CLARITA FIRST-TIME HOME BUYER EMAIL UPDATE. THESE EMAILS WILL BE SENT TO YOU THE MOMENT THEY HIT THE MARKET. EXPECT AS MUCH AS A FEW EMAILS A DAY FROM THEIR AUTOMATED SYSTEM WITH LISTINGS, LISTINGS, AND MORE LISTINGS!
7)NO MIDDLE MAN. You can expect to deal with The Scv Agents Team throughout the entire purchase process. They'll be involved one way or another in every aspect, once your're in escrow, they don't leave your side. If by chance one of The Scv Agents team members is booked on the only day you can view homes, they do have a team of 4 agents, so there will always be one of them who will be happy to show you the desired homes. The Scv Agents Team will ensure that you're being shown good homes that match your given criteria.
WHEN BUYING YOUR FIRST SANTA CLARITA HOME THROUGH THE SCV AGENTS TEAM, DON'T EXPECT THEM TO JUST GO AWAY AFTER THE ESCROW CLOSES. THEY ARE THERE FOR YOU ON A MONTHLY BASIS AFTER YOU PURCHASE YOUR HOME. THEY FOLLOW UP WITH ALL OF THEIR PAST CLIENTS, AND PROVIDE VALUABLE REAL ESTATE INFORMATION ON A CONTINUAL BASIS. IT'S A RELATIONSHIP THAT BUILDS OVER TIME. THE SCV AGENTS TEAM DEVELOPS A GREAT RAPPORT WITH THEIR CLIENTS, AND BUILDS ON QUALITY, NOT QUANTITY.
CLICK BELOW FOR:
THE SCV AGENTS TEAM DEALS OF THE DAY
HOW THE BUYING & ESCROW PROCESS WORKS
Never be confused again how the purchase process works, below is how The Scv Agents Team First Time Home Buyer Program will work for you:
1) The Scv Agents Team will refer you to a TOP Santa Clarita Lender who specializes in assisting First Time Home Buyers. They will give you your best financial options, and you will choose one. After qualifying you for a loan, they will issue you a pre-approval letter.
2) You will then sit down with a member of The Scv Agents at their office and discuss your wants, needs, likes, dislikes, and you will help paint a picture of your perfect home. After this appointment, The Scv Agents Team will have a great idea of what type of home you should be in and where. They will then set you up on his First Time Home Buyer Program automatic email notification. You will start to receive new listings of homes hitting the market that day!
3) Set up and appointment with The Scv Agents Team to go tour homes that match your preferences. The Scv Agents Team has by now scouted out locations for you so no ones time is wasted seeing homes that are far from what you are looking for.
4) Once a home is identified as being "The One For You," you will sit down with The Scv Agents Team, discuss the best price to be offered on the home, and you will one more time confirm with the lender your financial options to make sure it all makes sense $ wise.
5) The Scv Agents Team will then write up an offer on your behalf, you will sign it, and they will then deliver it to the seller or seller's agent with a compelling cover letter as to why the seller should accept your offer.
6) Once the offer is accepted, usually within 3 days or so, you must deposit your initial deposit into escrow. This amount for a first time home buyer is usually between $1,000 and up to $15,000, it just depends on what was agreed to and how much money you have.
7) Once in escrow, The Scv Agents Team orders a home inspection on your behalf (usually around $200-450). This inspection will usually take place in the first week, and takes about an hour to three hours to perform. Once the inspector is done inspecting the home, they will summarize its condition with you, and issue a report the following day. You and The Scv Agents Team will look over the report and determine which items you want fixed. A written request to the seller is then made and sent off with your demands.
8) If the seller does not accept your written repair request, you have the option to back out of the deal and get your deposit refunded from escrow. Usually there is an agreement to terms of repairs, and the escrow moves forward, and the sellers begin to have items repaired and completed before the close of escrow.
9) Within the first 7 days approx. of escrow being opened, you and The Scv Agents will sit down and review disclosures that the seller has provided for the home. These disclosures will detail many various statements about what the seller knows about the home, area its in, tract its in, association matters, and the list goes on and on as to what is being disclosed. Having a Realtor on your side like The Scv Agents Team comes in real handy when trying to understand the disclosure process. If there is something identified in the disclosures that you don't like - such as an insurance claim for a roof leak 3 years ago, you can back out for a reason like this and get your deposit back. Otherwise, most of the disclosures are just signed off on by you, and sent back to the seller as approved.
10) You will receive additional papers over the coming week or two regarding the completion of any Termite work if it was needed, misc. vesting paperwork from escrow as needed, sometimes one or two missed signatures will come back as red flagged and need to be completed, and often times the listing agent will miss one document from the disclosures that needed to be included & signed and they will get that to you for signature as well.
11) Your lender will have you pay for an appraisal (around $300-$450) and that will be performed on the home to make sure the home is worth what you are paying for it. If it appraises in value, your loan can move forward, if it doesn't appraise in value, some negotiating will need to take place.
12) The next step is removing "contingencies" so the sale can move forward. Generally contingencies are put into the purchase contract to give you room to back out if need be. A contingency to remove is the "inspection contingency". You remove this once you agree to repairs with the seller and are finished with your various inspection on the home. Another contingency to remove is the "appraisal contingency." You remove this once you find out that the home does indeed appraise in its value. The last contingency you as a first time home buyer will remove is your "Loan contingency." Once your lender has verified that the loan indeed will fund and go through and all their needs have been met in order to loan you money, you will then remove that contingency. Often times all contingencies are removed with one simple signature on one piece of paper that The Scv Agents Team will provide you, or the Seller's agent will send a formal request for removal of contingencies.
13) You are very close to becoming a home owner at this point. All that is left is your final walk through. The final walk through is completed about 5 days prior to the close of escrow. You and The Scv Agents Team will meet at the house and verify that the seller made the repairs requested and that it is substantially in the same condition as when you made an offer on it.
14) Closing day is near. By this time, any amount that you need to close the escrow (down payment remainder) will need to be brought into escrow at or before the time you sign your loan documents with a notary. Once the loan documents are signed, and the rest of your monetary obligations have been met, your lender will fund the loan and escrow will forward all information to the Title Company for recording in your name.
15) The title company at the close of escrow records the home as being owned by you with the county, and the home immediately becomes YOURS! CONGRATULATIONS!
16) The Scv Agents Team then delivers the keys to you. You can begin moving in when the seller's are moved out. Sometimes the seller is given 1 or 2 days to move out beyond the date escrow closes. It just depends on what was negotiated in the purchase contract.
17) This is JUST THE BEGINING of your relationship with The Scv Agents Team, as your Realtors for life. They will be there for you every time you have a question about real estate, including what your new neighbor is selling their home for!
18) The Scv Agents Team will follow up with you just about on a monthly basis with either a newsletter, an email, a gift, a "pop-by" and say hello, or with an information piece at your door of your community sales information.
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