Edna Marie Robles

Mission Statement Our Mission We are a full service real estate company providing the finest in real estate services designed to create relationships for life. We strive every day, in every transaction, to reflect our pride in our company, ourselves and each other as well as in the people and communication that we serve. We are a proud to be able to participate in our customers’ realization of the American Dream. The Headley Group Realty 1202 E Mountain St. Suite C Kernersville NC 27284 Phone Number:- http://theheadleygroup.com/ The Headley Group Realty Our experience in Real Estate Investing and General Brokerage has allowed us to see and experience firsthand the processes that Buyers and Sellers must face in a Real Estate Transaction. Having the full spectrum experience of the business allows The Headley Group to keep our Clients ahead of the Game. As a full service Greensboro - High Point - Winston Salem Real Estate team, we work with buyers, sellers and investors in real estate transactions spanning all of the price ranges and property types. The Home Buying Process 1. Find a Realtor - It’s important that you feel like your Realtor is willing to move at the same pace you are. As first time home buyers, we required a little more “handholding” throughout the process. Our Realtor was great and willing to take the time to explain the forms we were signing and make sure we knew what steps were next throughout the home buying process. 2. Figure out what you want in a house (must-have versus would love items) Start with the lender to see how much you qualify for. For us, we didn’t want to spend any more on our mortgage payment that we were currently paying on our rent. We knew we were buying a fixer and would be pouring money into renovations. We decided what we were comfortable with and then we went to the lender to confirm we would be able to get a loan for that amount. Be careful asking a lender how much they will lend you. In many cases, this amount may be more than you’re ready to commit to or more than you’re used to setting aside for your home or rental payment. The last thing you want to do when buying a house is get in over your head. After you know how much you’re willing to spend, one of the most helpful things you can do is to start making a list of the items you need and the items you want. 3. Get a pre-qualification letter from a lender When we had started looking at homes, we knew we needed to get a pre-qualification (aka “pre-approval”) at some point, but we weren’t sure how soon. 4. Start touring homes with your Realtor Starting to tour homes is the fun part!!! Don’t forget to keep an eye out for signs too! The home we ended up buying was one that we would drive by almost every day and we noticed when the for-sale sign went up. 5. Make an offer - Be sure you know what all of the different documents mean that you are signing. If you don’t understand something, ASK. That’s what your Realtor is for. Ours was so great to be sure to explain everything in-depth before moving forward. When you go to make your offer, you will need to have your pre-qualification letter from the lender and a check for the deposit. - Seller responds (acceptance or counter offer) If the seller accepts your offer, you are off to the races! It is important that you know your limits. Don’t let yourself be roped into a bidding war and get to a place where you are making an offer at a price higher than you are comfortable with. 6. Apply for loan - As soon as you have an accepted offer, you can go ahead and apply for your loan. You can just go back to the lender you got the pre-qualification letter from to apply for your loan. Again our lender was SO GREAT to explain everything to us in detail because we were first time home buyers. 7. Open escrow - means starting the closing process on the property. 8. Schedule inspections - The most obvious inspection that buyers will almost always get is the home inspection report. The company will go inspect the house and give you a detailed report of anything that you should be aware of. As you know, we were buying a fixer upper. Inspections are optional (but it may be a requirement for your lender) and the costs of any inspections are covered by the buyer.- Present repair addendum If there are things that you learned on your home inspection report that you would like the seller to fix before you purchase the home, you will present a repair addendum to them. During this time, your lender will also order the appraisal. 9. Sign all loan- documents when it was time, our lender called us back into their office to sign our final loan documents. This signing is just a good warm. 10. Schedule closing/signing - at Escrow office on the day of your closing, you will go to your Escrow office and sign ALL the remaining documents. Both our lender and Realtor came to the signing as well. The seller had already signed all the documents earlier in the day. 11. Loan is funded after all your paperwork is done and filed, your lender will fund the loan. Once you receive the confirmation that your loan has been funded, you get the keys!!! 12. Home is yours! You made it. Congratulations!