Are you looking to buy a home in Havre? Northern Land & Realty Co. can help.

With some planning ahead of time, purchasing a home isn't too complex, but the event is stressful for many people. So they understand exactly what to expect, I like to supply buyers with an outline of the entire deal. These are my nine steps to purchasing a home. When you're ready to get started, simply contact me here or e-mail me at . I'm happy to answer questions you have regarding this information.

Step 1 – Get ready to purchase a home
There are several things you'll want to do prior to starting your home search. When you begin your search, you'll probably want to put together a checklist of items you want, plan for what neighborhoods and school districts you want to live in, and start planning your budget. Keeping your mortgage payment less than or close to 30 percent of your net monthly income is a good rule of thumb to adhere to.

Step 2 – Talk to a real estate agent in Havre
This is where Northern Land & Realty Co. comes in. We can set up a time to meet so we can talk about your real estate needs and get an idea of your plans for the future. We'll discuss neighborhoods, school districts in the Havre area, the mortgage and housing industries, and any additional economic factors that might affect your purchase today or in the future.

In addition, I'll help you start the loan process. There are some great mortgage professionals in Havre, and I work with a lot of them, so you'll be in great hands. They'll help you decide which type of loan is best for you, as well as help you get qualified.

Step 3 – Start your home search
After our initial meeting, I'll begin looking for available homes on the market that meet your needs. I'll research many of the houses and reject the duds, and then we'll book appointments to tour the homes at a time that's convenient for you.

As we tour the houses, I'll show you the good features, as well as bad ones. And I'll ask you to talk about things you like and dislike. Generally, buyers amend their must-have list as we tour homes and some items become more important than others. If that happens, I'll search the listings again and trim it down to the house you've been wishing for.

Step 4 – Comprehend the market
An agent's awareness of the Havre housing market is an essential element in your home search. And I can assure you I'm mindful of all the school districts and neighborhoods, and I can alert you to what neighborhoods are "hot" and call for immediate action and others that are "cold" and allow for careful examination.

As we tour houses, I'll let you know if the asking price has room for bargaining or if I believe the home is "priced to sell." Every REALTOR in Havre will tell you they know the housing market, but beware, and make sure you ask your agent lots of questions. If it doesn't seem like they know everything, contact me at (406) 265-2253 or e-mail me at , and I'll be more than happy to answer any questions you might have. My market expertise will keep you a step ahead throughout the entire process.

Step 5 – Find the house you've been looking for
I'm positive we'll find the house of your dreams in the Havre area. When that happens, I'll meticulously develop your real estate purchase offer. The offer will be tailored with your needs in mind and the home, including a lot of contingencies. A few examples are getting financing, finishing the home inspection, and a clean title.

Upon presenting your purchase offer, most likely you'll need to present "earnest money." This is a cash deposit submitted to the seller to secure an offer to buy the property and is typically applied to the closing costs. If the seller accepts the offer, we should close on the home within 30 to 60 days afterward. This allows ample time for your mortgage financing.

Step 6 – Negotiate the deal
A lot of deals don't close on the initial offer. It's very common to receive a counter offer. But don't let it intimidate you. We'll talk over whether or not to take the counter offer, present our own counter offer, or refuse the seller's offer and move on.

The state of the market will play a large role in how aggressively we negotiate the deal. In addition, we'll work within your financing limits. And when it's all said and done, we'll assemble a deal that is best for you.

Step 7 – Get financing
Upon signing the contract, you'll start working with your mortgage lender to close the loan. It won't take very long at all if you're pre-qualified, but you need to stay in close contact with your lender. And I'll care for all the property information your mortgage lender needs to close the loan.

Step 8 – Close the deal
You'll get a Loan Estimate (LE) outlining your closing costs from your lender within three days of getting your loan application. The estimate is based on the loan amount, and RESPA requirements dictate that it has to include all closing costs and fall within a close range of accuracy. I'll examine the estimate and let you know if it all looks okay.

Then we'll close on your house. This should occur at a title company or escrow office and is often a smooth and comfortable occasion.

Step 9 – Move in
Congratulations! Now you can move into your new house. Enjoy it. And if you need anything or have any questions, make sure you call me at (406) 265-2253 or e-mail me at .