Virginia Rundle
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Step-by-step guide

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1. Hire Me As Your Agent!

Buying a home can be an exciting and emotional experience. As a Nashville expert, you can rely on me to guide you through the process so you can feel comfortable and confident each step of the way. Take a look at what is involved in the buying process. 

Connecting with a mortgage lender, getting loan approval

2. Get Pre-Approved

Before beginning your search, your first step is to get pre-approved for a mortgage loan (unless you will be paying in cash for the full price of your home). I can connect you to a mortgage broker or lender. Based on your income and credit history, the mortgage broker will determine how much the bank will lend you, which will help you determine the price range for your search.

3. The Home Search + Visiting Properties

Attend open houses and viewings with your Village agent spanning a range of areas and property types. Now is the time to consider your ideal home’s location and amenities.

Make an offer, counter offer, counter-offer, close a deal, real estate deal

4. Making An Offer + Negotiate

Once you have seen a home you like, you can put in an offer, which is a non-binding agreement to pay a certain price for the home. If your offer is lower than the list price, the seller will likely return with a counter-offer price, which you can choose to accept, reject, or make another offer. 

Update contract, signing a contract, title company,

5. Signing Contract + Earnest Money

Once the offer terms are accepted, you will sign the contract and put down earnest money. Earnest money holds the house off the market while you do the inspections of the property.

Home inspection, getting a home inspection, inspector, home appraisal, appraisal

6. Inspections

You are given a limited time period during which to conduct any inspections and other negotiated due diligence. During this period, I will negotiate any necessary repairs on your behalf.

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7. Home Appraisal

The buyer is not part of the home appraisal process. All you need to do is wait for the appraisal price to be reported to me by the lenders. Lenders require an appraisal to be conducted so they can receive an independent assessment of the home’s value before providing you a loan to purchase it. This safeguards you and the bank from paying more than the home is worth.

Earnest money, how much to put for earnest money, wire transfer, wire deposit, title companies

8. Finalize Financing

At this point, your loan will go through underwriting and final approval of the loan will result in the release of the financing contingency. You may be asked again for appropriate documentation. The lender will notify you if this is the case. Don’t open any new credit accounts or increase spending on existing credit accounts as it could disqualify you from obtaining a mortgage loan. 

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9. Final Walk-through With Your Agent

A final walk-through of the property is performed just prior to closing. The walk-through confirms that no damage has been done to the home since the time of the inspection and that the major systems and appliances are in working order.

Home owner, new home owner, first time home owner, first time home buyer, first time buyer

8. Closing!

Once all the conditions of the contract have been satisfied, the closing is held. The closing documents are signed, payment is exchanged, and the buyers receive the keys to their new home!

Moving day, when planning to move, what to do when moving

Concerned about planning out your to-do list? Check out this moving checklist so you know what to expect and can be prepared!

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PARKS Real Estate

2206 21st Ave S, Nashville TN, 37212

M | 504.952.0609 O | 615.383.6964

Copyright © 2021 Virginia Rundle | LIC #362337 | PARKS Real Estate | All Rights Reserved.


Virginia Rundle is a real estate agent affiliated with PARKS Real Estate, a licensed real estate broker and abides by all applicable Equal Housing Opportunity laws. All material presented herein is intended for informational purposes only. Information is compiled from sources deemed reliable but is subject to errors, omissions, changes in price, condition, sale, or withdrawal without notice. No statement is made as to accuracy of any description. All measurements and square footages are approximate. This is not intended to solicit property already listed. Nothing herein shall be construed as legal, accounting or other professional advice outside the realm of real estate brokerage.

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