For Buyers

The home buying process starts here!

At Shamrock Real Estate, being locally owned is more than just a tagline – it’s our commitment to infuse a hometown touch into your home buying experience. Our dedication extends beyond the ordinary, with a seven day workweek for your convenience. Whether it’s answering questions or providing assistance, we’re available anytime to answer calls, texts, or emails. We recognize that purchasing a home can be overwhelming, so we’re here to transform it not only into an easy process but also into a uniquely stress free journey, ensuring your experience is as smooth as possible!

Give us a call, we are here to help!

Ready to start the process of finding your dream home or just have some questions?

WE ARE THERE TO ASSIST YOU EVERY STEP OF THE WAY

Expert Negotiation
With our expert negotiation skills we will help you secure the best possible deal, including terms, price, and closing costs.

Understanding Your Needs
We go beyond price range and square footage. We will delve into your lifestyle, future plans, and priorities to find a home that truly fits you.

Advocacy
Buying a house takes time. We will be there throughout process, answering any questions and offering you guidance.

Dedicated Communication
We will keep you informed throughout the process and manage all communications with sellers, agents, and other parties involved.

Exclusive MLS Access
Get MLS access through our personalized app! Browse listings, save favorites, arrange private showings, and get new listing notifications on your phone or tablet.

Trusted Vendor Network
We work work with an extensive network of lenders, home inspectors, and contractors to guarantee that you are always supported by a dependable expert throughout your purchasing experience.

Have Questions About Buying?

Check out our FAQs.

Pre-qualification is an estimate of how much you can borrow (usually based off self reported income), while a pre-approval is a more detailed analysis confirming the loan amount you qualify for (based off of your exact income with verified paystubs/W2’s). *Pre-approval is stronger when making an offer.*

Most first-time home buyers will need to pay at least a 3% to 3.5% down payment. That’s the minimum for a conventional or FHA loan, which are the most common mortgage types.

Private Mortgage Insurance (PMI) is typically required if your down payment is less than 20%. To avoid it, aim for a 20% down payment or explore loan programs that don’t require PMI. 

On average, it takes about 45-60 days from the time you make an offer to the closing date. However, this can vary based on factors like financing, inspections, and negotiations.

A real estate agent is essential when buying a home for various reasons. They offer local expertise, streamline property searches, and leverage negotiation skills to secure the best deal. Agents handle complex paperwork and legalities, tapping into a network of professionals for a seamless process. Their market knowledge guides timing decisions, and access to MLS expands property options. Agents provide guidance, adhere to a professional code of ethics, and troubleshoot issues, ensuring a smoother and more informed home buying experience.

When purchasing a home, there are various costs that one must consider. One of these is the Earnest Money Deposit, which is collected at the time of offer acceptance. Additionally, there may be expenses related to home inspections, legal fees, and financing fees including loan application fees, origination fees, attorney fees, and insurance fees.

When making an offer on a home, you’ll show your commitment by putting down earnest money. This deposit, also called a good faith deposit, demonstrates to the seller that you’re a serious buyer.

Testimonials

Client REVIEWS

Perfect Job

Anyssa walked us through this process easily. She answered my questions when she knew the answer. If not, she found out and got back to me promptly. Time is of the essence in most cases and she was very easy to deal with. I would use her again! 

By: Marco & Breeann Tuzzolino (Buyer)

First Time Made Easy

Everything worked out real good. Never had an issue with scheduling to see houses and promptly replied to text/phone.

By: Russell Sortino (Buyer)

Hard working, reliable, and knowledgeable!

Anyssa was helpful at every stage of the process. She knows the area, and knows the business. Trustworthy.

By: Larry & Jane Fouraker (Buyer)

DOWNLOAD THE APP

Searching for homes is now more convenient than ever! With our innovative home search app, you can explore available listings directly from your smartphone or tablet, no matter where you are. Save your favorite homes, inquire about properties, arrange showings, and receive instant push notifications as soon as new listings become available. 

Your next home is just a few taps away!

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download-mls-app

Contact Us!

Ready to Make a Move? We Can Help! Call Now for a Free Consultation.

how it works

THE buying PROCESS

01
Pre-approval

A mortgage pre-approval shows you how much you qualify for. The best time to get a pre-approval is before you start house hunting. This can be two months or a year in advance — whatever makes sense for you.

02
real estate agent

An experienced real estate agent knows the neighborhoods and provides insights into the local housing market. They will help you find homes, communicate with the seller, and negotiate the home sale.

It’s important to find someone you connect with. Take the time to build a home-buying team that’s equipped to represent you well!

03
search

House hunting is an exciting time to explore properties until you find your dream home.

It’s helpful to know what you want ahead of time, refine your home search, and guide your real estate agent. If you’re not sure what your dream home looks like, touring properties can help you set those expectations.

Keep a list of your must-haves, nice-to-haves, and deal-breakers. This can save you time touring and helps you make your final housing decision.

04
Offer

Once you find a home you love, your real estate agent will help you make an offer on the house

A purchase offer typically includes:

  • The names of the buyers and sellers.
  • The purchase price you’re offering including any down payments.
  • The earnest money deposit.
  • Any contingencies you’d like to include.
  • Any concessions you’re requesting from the seller (aka closing costs).
  • The date you’d like to close on the home.
  • A deadline to respond to the offer.
05
Inspections

After your offer is accepted, the next step is to schedule your inspections. 

A home inspection is a visual assessment of a home’s condition in which inspectors look for thousands of potential problems in areas of the home, including ceilings, walls, floors, windows, and doors. 

Home inspections aren’t required, but highly recommended and are often a contingency listed on the contract.

06
Loan Processing & Underwriting

Loan processors carefully review your mortgage application, ensuring all necessary information is included for full approval.

The application then goes to the underwriter, who verifies details, checks for credit report inconsistencies, and addresses any questions that may arise.

Concurrently, a home appraisal is conducted by an appraiser to determine the property's value. The appraiser visually inspects the home, collects pertinent data, and evaluates it to establish the home's worth—a crucial step in any home purchase, sale, or refinance.

07
Closing

You'll receive a closing disclosure detailing your loan terms and costs.

Complete a final walk-through to ensure the property's condition matches your initial viewing.

On closing day you'll sign the paperwork, transfer funds, and receive your keys.

Congratulations! You’re a homeowner and it’s time to celebrate.

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