Homebuying Guide
10 Easy Steps to Home Ownership
You've made an exciting decision to buy a Carbine and Associates home. As you move forward through each phase of the building process, our Carbine and Associates team will work with you to ensure you understand each step of new home ownership. We are committed to making sure you get the home you want.
You've chosen a wonderful neighborhood. A Carbine and Associates team member will assist you in choosing a great homesite and floor plan to meet your needs. At this time, our preferred lender can pre-qualify you for a loan amount. This will give you an idea of how much home you can afford.
We’ll meet two to three hours to complete your purchase agreement. Bring your checkbook and the following materials:
- W-2 statements (2 years) or tax returns if self-employed
- pay stubs covering most recent 30-day pay period
- most recent 2 months' bank statements
Because the homebuying process consists of numerous details, we encourage you to ask questions along the way. By paying close attention to the details, you'll be a well-informed homebuyer!
At this time, a design consultant will contact you to set your appointment with Carbine and Associates Design Center where you'll pick your favorite personalizing options. We encourage you to browse the decor options at the Design Center prior to your final appointment.
You'll also receive various handouts on making your home buying experience even easier.
3) Create the perfect home
Now it's time to show your style with the help of Carbine and Associates Design Center.
There are two steps to using the Design Center. First, because of all the wonderful choices available, you'll want to begin by reviewing all the options as soon as possible. Just call to set up a time.
Bring fabric swatches and great ideas for designing your new Carbine and Associates home. It may take a few browsing visits to determine all the options you desire. Consider all your choices, including appliances, electrical fixtures, flooring, and much more.
The second step is the finalization appointment, which will last a few hours. The Carbine and Associates design consultant will help you finalize your option choices.
4) You're approved
At this point, you've moved from prequalification to the final loan approval for your new home. Approval is required within 30 days of signing the Purchase Agreement. Please consult with your home loan consultant if you are planning any changes to your financial profile. Remember, along the way, your home loan consultant may request updated information.
The day to start building your new home has arrived! You'll have a preconstruction meeting with a superintendent who will provide details on what you can expect, review your options and answer any questions. Some helpful tips to remember for your visit:
- set aside 30-60 minutes
- give yourself time to arrive and begin on time
- wear closed-toe shoes
- follow all site safety regulations
Your home has been framed and is ready for drywall. Electrical has been added and plumbing is in place. It's time again to tour the building site. Like the preconstruction meeting, this will take 30-60 minutes. Plus, make sure to bring your options contract in case you need to go over any final details.
Your new home is close to being finished! This is an important time to:
- have your home loan consultant lock in your interest rate and forward loan documents to the title company a minimum of 60 days prior to homeowner orientation
- set your appointment to sign closing documents
- create or transfer accounts with your utility companies
- obtain homeowners insurance
You'll receive your Homeowner Manual to review before your Orientation appointment so we can answer any questions.
Your Homeowner Orientation will take two to three hours. Please arrive early to make sure we can begin your orientation on time. Also, have your Homeowner Manual and disclosures available to review with your Carbine and Associates representative.
As you get closer to finally owning your brand-new home, you'll meet with the title company representative. This appointment will take approximately one hour. It is important to bring:
- cashier's check made payable to title company
- valid driver's license or passport
The recording of your title may take up to three days. Once it's been recorded with the county, you'll move to the final step!
THE BIG DAY HAS ARRIVED! These items have been completed:
- Homeowner Orientation
- loan documents signed and closing funds deposited
- sign-off appointment completed
- title recorded
Your new home is ready for you to move into and settle into!
Carbine Realty Group, LLC | 615.661.9995
