Your Guide to Buying in Utah County

This stage includes assessing your financial health, planning your down payment and closing costs, and securing mortgage preapproval. Reviewing your credit score, understanding your debt-to-income ratio, and establishing what you can afford are essential steps to ensure you are well-prepared financially. Additionally, determining how much to save for a down payment and estimating closing costs will help streamline the later stages of buying a home.

Check Your Financial Health
Plan Your Down Payment and Closing Costs
Find the Right Mortgage for You

Before the Offer

In this stage you focus on finding the right home that meets your criteria and budget. This involves walking through homes in person and attending open houses. Utilizing tools like mortgage calculators and getting insights from real estate professionals can enhance your search. This stage is crucial for narrowing down your options to find a home that not only meets your needs but also fits within your pre-approved budget, ensuring you make a well-informed decision.

Get Mortgage Preapproval
Start Your Home Search
Make an Offer

Home Search

This includes conducting a thorough home inspection, getting the property appraised, and negotiating any necessary repairs or credits. Finalizing homeowners insurance, continuing to work with your mortgage lender, and preparing for closing are also key components. This stage culminates with the closing process where all parties sign the necessary documents, financial transactions are completed, and you finally receive the keys to your new home. This final phase solidifies your purchase and marks the beginning of your new chapter as a homeowner.

Schedule a Home Inspection and Appraisal
Negotiate Repairs or Credits
Close the Sale

After the Offer

Start Your Journey to Homeownership

Your Guide to Buying with Happy Valley Realty