- 1. Be prepared. Begin your process by having an understanding of the type of home you want,
including it's features.
- 2. Determine how much home you can afford. Our Mortgage Center Tools can help.
- 3. Begin your initial search using Julia B. Fee Sotheby's International Realty's interactive Property Search. Save your
searches and schedule home showings while viewing properties.
- 4. Connect with a Julia B. Fee Sotheby's International Realty Real Estate Advisor for a home buying
consultation.
- 5. Start the mortgage pre-approval process by contacting a Home Mortgage Consultant.
- 6. Understand the offer process. With your real estate advisor's guidance, an offer will be written and may
include contingencies, financing, and a closing date. The offer will be presented to the seller
and most likely negotiations will take place.
- 7. When an agreement has been made, you will schedule a property inspection and apply for
- 8. Inform your mortgage consultant that he/she may continue the mortgage process. Your
consultant will lock in your interest rate and send you an estimate showing your monthly
mortgage payment as well as your estimate cash need for closing.
- 9. Contact a Westchester Real Estate Attorney to partner with you, your real estate advisor, and your mortgage
consultant. A real estate attorney will assist in reviewing contracts and protect your legal
interests through the rest of the process.
- 10. Near closing, your Real Estate Advisor will schedule a final walk-through of the property. At closing,
you will be accompanied by your attorney and your real estate advisor. In some instances, the lender may
have representation.
