Buying or selling a home in Kearny?

Buying a home can be stressful for a lot of people. However, with a bit of planning ahead of time, it's not too complex. I like to provide buyers with an overview of the whole deal so they understand exactly what to expect. These are my nine steps to buying a home.

Should you have any questions about any of this information or if you're prepared to get started, just contact me here or send e-mail to

Step 1 – Prepare to purchase a home
There are plenty of things you need to do before you start searching for a home. When you start your search, you'll want to create a check list of features you want, get a feel for what school districts you want to live in, and start working on your budget. Ensuring your mortgage payment is around 30 percent of your net monthly income is a good rule to adhere to.

Step 2 – Communicate with a real estate agent in Kearny
This is where I come in. I'd be more than happy to book a time to get together with you and communicate with you regarding your real estate needs and get an idea of your plans for the future. We'll talk about neighborhoods, schools in the Kearny area, the mortgage and housing industries, and any other economic factors that may affect your purchase today or in the future.

I can also help you start the loan process. There are some great mortgage professionals in Kearny, and I partner with a lot of them, so you'll be in great hands. They can assist you with deciding which type of loan is best for you and help you get qualified.

Step 3 – Begin house-hunting
After we meet for the first time, I'll start looking for houses on the market that are a great fit for you. I'll preview many of the homes and eliminate the duds, and then we'll schedule appointments to view the houses whenever it's most convenient for you.

When we tour the houses, I'll point out positive features, as well as negative ones. And I'll ask you about things you like and dislike. It's pretty common for buyers to update their wish list as we tour houses and some things become more important than others. If that happens, I'll go back through all the listings again and trim it down to the house you've been waiting for.

Step 4 – Understand the market
Your agent's understanding of the Kearny housing market is a necessary component in your house search. And I assure you I'm mindful of all the schools and neighborhoods, and I will alert you to some districts are "hot" and require immediate action and the others that are "cold" and allow for more examination.

As we tour houses, I'll make sure to communicate if the seller's list price has room for bargaining or if I believe the home is "priced to sell." Trust your instincts and be sure to ask your agent lots of questions, as every REALTOR® in Kearny will tell you they comprehend the home market. If it appears they don't know everything, call me at (201) 997-7860 x116 or e-mail me at, and I'll be more than happy to answer any questions you have. My market knowledge will keep you a step ahead throughout the entire deal.

Step 5 – Find your dream home
I'm certain we'll find the house of your dreams in Kearny, and when we do, I'll carefully create your real estate purchase offer. The offer will be tailored with your needs in mind. Whenever necessary, I never forget to make contracts contingent upon items like obtaining financing and the results of the home inspection.

Let Rosa Agency guide you through finding your dream home in Kearny Upon turning in your offer, you'll likely need to submit "earnest money." This is a cash deposit submitted to a home seller to secure the offer to buy the property. The amount is usually put towards the cost of closing. If your offer is accepted, we should close on the property within 30 to 60 days afterward. This allows plenty of time for your mortgage financing.

Step 6 – Negotiate the deal
Most deals aren't closed on the first offer. It's really common to receive a counter offer. But don't let this intimidate you. We'll talk over whether or not to agree to the counter offer, present our own counter offer, or decline the seller's offer and move on.

How aggressively we negotiate the deal depends on market conditions. In addition, we'll work within your financing budget. And when it's all said and done, we'll formulate a deal that is best for you.

Step 7 – Secure financing
After we sign the final contract, you'll start working with your mortgage lender to close the loan. This shouldn't take long at all if you're pre-approved, but you should to keep in close contact with your lender. And I'll deal with all the property information your lender needs to close the loan.>

Step 8 – Close the deal
You'll get a Good Faith Estimate (GFE) outlining closing costs from your lender within three days of accepting your loan application. This estimate rests on the loan amount. RESPA requirements order that it has to contain all closing costs and fall within a tight range of accuracy, and I'll study the estimate and let you know if it all looks good.

Then we'll close on your house. This will most often occur at a title company or escrow office and will probably be a smooth and relaxed event.

Step 9 – Move in
Congratulations! It's time to move into your new home. Enjoy it. And if you need anything or have any questions, make sure you contact me at (201) 997-7860 x116 or send me an e-mail.

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