Cloquet Real Estate - Carlton Minnesota Real Estate

How do I get started?

1. MEET WITH A LENDER & GET PRE-APPROVED

What You Need To Bring:

	W-2's for the last 2 years
	Your last 2 pay stubs
	Your last 3 month's bank statements for checking and savings accounts and 401K/IRA statements
	Names, addresses, account numbers, and monthly payments on all loans.
	Advantages to being pre-approved: you know what you can afford in the event there are multiple offers your offer should be considered more seriously than a buyer who is not pre-approved.

2. DECIDE WHAT TYPE OF HOME YOU WANT & THE AREA YOU WANT TO LIVE IN

Make A List:

	Make a list of your minimum requirements such as number of bedrooms, lot size, etc.
	Make a list of features you would like, but aren't necessarily required.
	Drive around and write down what areas you would consider.

3. ABOUT REPRESENTATION

Click here for the "Agency Relationship in Real Estate Transactions" Form

4. CHOOSE A REALTOR A Realtor Can Save You Time and Assist You In House Hunting:
	We have access to the MLS system which means we can view all companies listings on the computer and select the ones that meet your criteria.
	Your realtor will update you on a daily basis with information on new listings- by phone, fax, or email
	Your agent will schedule appointments to show you the properties.
	Your agent will handle the writing of offers and negotiations your agent will help you through the entire process-from finding the right property to the transfer of keys at closing.

5. START VIEWING HOMES

Your agent will educate you on prices and availability of homes in the area and make appointments to view the homes you are considering.

Your agent will get answers to all your questions before writing an offer.

6. MAKE AN OFFER

Choose the Home That Suits Your Needs:

Ask your agent questions on anything you don't understand.

7. HAVE A HOME INSPECTION?

Advantages of An Inspection:

A thorough home inspection gives you information about the overall condition
of the home for your peace of mind.

The inspector also gives you ideas on how you can maintain and improve the home.

An inspection costs on average $200 and needs to be paid by you at the time of the inspection.

8. THE CLOSING PROCESS

Your offer, your lender, the appraisal, the title company...

Your agent will keep you up to date on the progress of the closing, helping you make a successful move.

At the closing you will need a photo ID, a list of your last 10 years of residence, and a cashiers check for any fees you have to pay (such as closing costs, down payment, etc.)

WE GET THE JOB DONE!

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