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Select a Real Estate Agent
Obtain Financial Pre-approval
Analyze Your Needs in a Buyer Consultation
Select Properties
View Properties
Write an Offer to Purchase
Negotiate Terms
Accept the Contract

Remove Contingencies:

Obtain Mortgage Financing, Credit Check, Underwriting, Appraisal, Survey, Insurance, Conduct Inspections, Resolve Any Issues, Attorney Conducts Title Search, Attorney Obtains Title Insurance, and Remove Any Encumbrances

Obtain Funds For Closing
Close the Property
Take Possession of Your Home!

Home Buyers Guide

The Mortgage and Loan Process

Funding Your Home Purchase

1. Financial pre-qualification or pre-approval

-Application and interview
-Buyer provides pertinent documentation including verification of employment
-Credit report is requested
-Appraisal scheduled for current home owned, if any

2. Underwriting

-Loan package is submitted to underwriter for approval

3. Loan Approval

-Parties are notified of approval
-Loan documents are completed and sent to attorney

4. Attorney

-Title exam, insurance, and title survey conducted
-Borrowers come in for final signatures at the settlement

5. Funding

-Lender reviews the loan package
-Funds are transferred by wire

Why pre-qualify?
We recommend our buyers get pre-qualified before beginning their home search.
Knowing exactly how much you can comfortably spend on a home reduces the potential frustration of looking at homes beyond your means. 

The Home Buying Process

Home Buyers Guide

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Your Free Home Buyers Guide

You're about to embark on the exciting journey of finding your HOME! The Rachel Z Team will make your home buying experience both educating and fun. The Rachel Z Team is devoted to using our expertise and the resources to represent you to the fullest.

Purchasing a home is a very important decision and a big undertaking in your life. Proper education can prepare you for a smooth home buying experience and decrease the potential for miscommunications or misunderstandings. In fact, most people only choose a few homes in their lifetime. We are going to make sure that you are well-equipped and armed with up-to-date North Carolina Real Estate mandated information. The Rachel Z Team's Home Buyers Guide gives you information that will be helpful during the home buying process. Please keep it with you as a reference tool. Are you ready to take this exciting journey together?

​If knowledge leads to confidence, The Rachel Z Team can boost your confidence with our comprehensive and informative Free Home Buyers Guide!

But we will need a little information from you first.

Simply complete this form so that we may contact you to provide a customized guide tailored to your specific home buying needs!

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