We have a saying at Dexter Realty Group; "Home is where the Heart is; let us help you find your Heart."  We say this because we truly believe that anyone can purchase a house but we aim to help you find a home.  The home-buying process can be very difficult, but here at Dexter Realty Group, we guide you through every step with ease and help you make the best decisions for you and your family.

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First, you will choose an agent from Dexter Realty Group, Inc., they will set up a buyer’s consultation with you to explain the entire process. We make this process very simple and stress-free. We help you determine if you are ready to move forward in this process or assist you with a plan of action to get you ready. Do you need to save more money? Do you need to work on your credit scores? etc.

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The next step is to find out if you qualify to purchase and how much you qualify for.  We do this by contacting one of our preferred mortgage brokers or your bank to get a pre-approval letter for your realtor.  Once you have this letter, the journey to find your home begins. 

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Now, this step is very crucial, because it encompasses your wants, needs, and desires for your new home. What have you envisioned your home to look like, how many bedrooms and bathrooms, garage, large back yard, etc?  We want to make sure you’re completely satisfied with your new home.

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Once you’ve found a home that meets your needs, we'll write up a contract.  If the contract is accepted, we move forward, if not, we continue to look for a home until your contract gets accepted.

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Once your contract has been accepted,  a copy of the contract is sent to the mortgage and title company to get the process started.  Most closings take 30-45 days for the mortgage company and you to do your due diligence.

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a.     Provide the mortgage company with all documents required to get approved.

b.     Escrow deposit (amount determined by the contract or builder)

c.      Inspection of the home (You pay $450 - $600)

d.     Appraisal and survey (You Pay $500 and $400)

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Get ready to close. You will need funds for your down payment and closing cost (this amount is based on the type of loan and the loan amount). 

e.     When the contract is written up, we will ask for seller concessions to help you with your closing cost.  Keep in mind, the seller may or may not agree to give seller concessions towards your closing costs.)

f.       If you go with new construction, the builder will pay some of the closing cost or all of your closing cost.

It just depends on their incentives for the month.