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10 Steps To Homeownership

Posted by Mariah Davis on November 28, 2022
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Buying a home is one of the most important purchases you can make, but it can be confusing and stressful. It can feel like you’re bombarded with misleading information, confusing claims, and poor advice from family and friends who aren’t accountable or responsible to you for the advice they give. We believe that there are 10 steps to homeownership. Here we will give you a brief run down to get you moving in the right direction. 

 

1. Decide to Buy

This is pretty self-explanatory, you have decided to begin the process of buying a home. Maybe your lease is almost ending at your current place, or maybe you are just starting to think about the process. Whether you are two months or two years out, we are always here to help you along the way. 

2. Find Your Agent

The next step in the process is to find the right agent. There are countless ways to find a real estate agent, but the tough part is finding the right fit. You’ll want someone who has experience with many different types of markets, and someone that can educate you on the process. 

3. Secure Financing

This will be one of the most important parts of your journey to homeownership. You will need to find a lender – your agent can help you with that – and become “pre-approved”. The lender will help you determine what you can be approved for, and this will help guide you in the process of finding your first home. Pre-approval is the formal commitment from a lender, this lets you know your exact budget, which makes home shopping a bit easier.  

4. Identify Your Criteria

What is important to you? How many bedrooms/bathrooms do you need? (and how many do you want) Learn the difference between a need and a want, sometimes what you want is a three-car garage, but you only have the budget for a two-car garage. Lay out EVERYTHING, and then decide which is the most important to you. 

5. Find Your Home

This is the fun part! During this phase, your agent will set up a search for homes on the market that fit your criteria. You are also welcome to look on your own, and send houses to your agent to set up showings. We also recommend that you go to open houses in the areas you like, and really just shop around. 

6. Make An Offer

Once you find the home you want to purchase, your agent will help you decide the best and most competitive offer to place. This is where it is essential to have the right agent! Your agent will be submitting the offer and negotiating, when necessary, on your behalf. 

7. Perform Due Diligence

After the offer is accepted there is a seven to ten day period where your agent is required to perform their due diligence. This means that your agent will comb through everything and make sure that everything in your contract is correct and ready to move forward. If you would like to get a home inspection now would be the time to do it! 

8. Close

As closing day approaches your agent and lender will be doing most of the work behind the scenes. It is important during pre-close to keep in close contact with your agent to be updated on the process. On closing day everything will be finalized and you should receive the keys to your home! 

9. Move in and Protect Your Investment

Yay! You’ve made it to move-in day! This is a major accomplishment and a huge investment in your future. Make sure to protect this investment by keeping up with maintenance and generally keeping an eye out for small leaks or other issues in order to catch them early. 

10. Enjoy Service for A Lifetime

Just because the purchase is over, doesn’t mean your agent will go away forever. A Real Estate Agent is an amazing resource for any and all things when it comes to your home. We have a recommendation for just about any service your home could need. Never hesitate to reach out even if it’s been years since your purchase, we are always here to help. 

 

If you are feeling overwhelmed with the process of buying a home and you would like a personalized plan to get you from point A to point B, I invite you to set up a home-buying consultation with us by calling 206-339-9677. Reach out to us today!

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    Michael Ryan
    Michael Ryan
    19:04 10 Oct 22
    We had a fantastic experience working with the Real Estate Gals to buy our first home in Seattle! Johnine and Tonya met with us before the pandemic and remained super patient and helpful with us as we went hot/cold on whether or not to buy *several times* over the past few years. When we finally... found the home we eventually bought, Tonya's help, advice, and feedback were all invaluable to us. She was also super responsive to calls and texts, and was just great to work with in general! Hopefully we won't be looking for a new house again soon, but we will absolutely go back to the Real Estate Gals when we do!read more
    Kathy Sullivan
    Kathy Sullivan
    19:03 27 Sep 22
    Johnine, Tonya and Scott have seen us through 4 houses and were with us every step of the way. I can't say enough about their professionalism, expertise and kindness in dealing with us for the last 27 years!
    Simon Ninon
    Simon Ninon
    03:23 23 Sep 22
    Unfortunately, my wife and I had a bad experience with Johnine.We were FTHB in WS. Our search was fast (under contract within 2 weeks, involving only 2 visits with Johnine, and 4 with Tonya as we did a lot of open-houses on our own). We were on top of everything and had an excellent lender (Ryan... Maxwell from Homestreet) allowing us to close 3 weeks later.We reached out to this agency after having a mediocre experience with Redfin. Given their stellar rating, we were expecting to be more lucky with Johnine and her team.After an initial meeting with Johnine, we had some trial visits with Tonya over one evening, and it was excellent. Tonya was scouting the different homes, taking the time to discuss with us, and sounded very knowledgeable. We really enjoyed our experience and were looking forward to keep working with her.After these visits, we only got to interact with Johnine.To say that Johnine lacked professionalism or represents too many people is an understatement.We only had 2 visits scheduled with her, and she had been significantly late for both (15-30 minutes), even though she is the one that set the time. Both time was because she was touring homes with another customer on the other side of Seattle and couldn’t make it on time for our visits.This was mildly annoying, but the second property was one we wanted to put an offer on, so we stayed put.Then, things turned chaotic. As we signified interest in putting an offer on that second property, it was a nightmare to schedule a time to meet with Johnine. The offer deadline was on a Monday, but Johnine could only meet us on the Sunday before. She had to reschedule that meeting 3 times, even though she was the one setting the time every single time.During that meeting, Johnine did not remember the offer Deadline correctly and thought it was on Tuesday. If I didn’t bring it up, Johnine was only planning to work on drafting the offer the following day and might have missed the offer.After our offer was accepted, communication became really abysmal. As a FTHB, I do not expect to be baby-sitted, but I was hopping that Johnine would at least detail us what to expect and when. However, she took the fact that we were on top of things as an excuse to not do anything than the bare minimum. This caused unnecessary stress on our end as we were trying to figure out stuff completely on our own. All we had from Johnine for the following 3 weeks was a brief “next step” email with poorly worded shallow details on what to expect, and barely understandable instructions regarding utilities. That’s it. Even at open-houses, listing agents distribute printed PDF with more useful information than what Johnine provided us.At no point did Johnine mention anything regarding a final walkthrough that we had to schedule ourselves and that we didn’t even do with her.The ice on the cake was closing day, where we had literally no idea what to expect the day of.Johnine was out of town and couldn’t get the key for us, so Tonya was scheduled to do it for us and meet with us the following day.But the day of, Tonya informed us BY EMAIL that she couldn’t make it, and that the seller’s agent left our home key under a rock in the garden for us to pick up anytime.Neither Johnine nor Tonya tried to arrange for another agent/staff to pick up the key for us to make sure that we were able to enter our property. They did not even bother calling us to check what was the best option for us or apologize for the inconvenience.I had to interrupt my work day in panic to go figure out what rock was the correct one and pick up the key.Johnine received a $27,000 commission out of that purchase where I felt she did not represent us better than a Redfin agent and put no effort to represent us at any step of the process. Beware.read more
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    Gunilla Eriksson
    23:20 22 Sep 22
    Johnine and Tonya were amazing helping me with the sale of a home. There were a few issues and they both handled them so well and found a great buyer. I would highly recommend the Real Estate Gals for your next purchase or sale.
    Louisa Helms
    Louisa Helms
    17:48 21 Sep 22
    Johnine and Tonya were so fantastic to work with on our first home-buying experience in Seattle. Tonya provided excellent advice on neighborhoods, trends in the market, and how our offer would be competitive. Tonya also facilitated a tour-de-force home showing day that helped us find the exact... right neighborhood fit we were after. We couldn't have asked for a better team and will absolutely be using them for our Seattle home buying/selling needs from here on outread more
    Kyle McDermott
    Kyle McDermott
    23:36 23 Dec 21
    We sold our home and bought a new one in Seattle with Johnine and Tonya. Both were incredible and we'd highly recommend them! SALE: We got multiple offers and Johnine negotiated a great deal for us - dream price!! They had great suggestions for improvements and excellent contractor contacts that... helped us get top dollar! PURCHASE: Tonya had amazing patience as she showed us MANY houses and didn't pressure us to make a hasty decision. She has a great eye for detail and helped us get comfortable with pros & cons for each potential house. In the end, we found a great home in this crazy market and she negotiated a fantastic price for us. Very happy with the entire process!read more
    Lil Be
    Lil Be
    17:21 25 Aug 21
    We worked with Johnine and Tonya to sell our home, and that’s 15 years after working with Johnine to buy our home. It’s something to have a no-nonsense and savvy realtor to rely on, and The Real Estate Gals provide that savvy. We closed in June and are now pending closing on a new property. I can... recommend Johnine and Tonya and the whole gang at The Real Estate Gals.read more
    Karen Lindenberg
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    13:42 08 Jun 21
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    Katie W
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    18:50 19 Apr 21
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    22:22 26 Feb 21
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    01:16 25 Feb 21
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    Serena Sheehan
    16:44 24 Feb 21
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    03:01 23 Feb 21
    Darcie was highly recommended by one of my good friend, I was looking to buy a townhome in N Seattle area; Darcie and her team (Tonya) went above and beyond to help me find a home within my budget. Darcie was very responsive (email/text), punctual and her flexibility amazes me. Often times she will... showed up early and check the house before I went in. Darcie and her team truly wants her client to get the best of everything. I closed my house within 30days and Darcie was very supportive to get me through the complicated house buying procedures. As a first time home owner, Darcie and her team really understand and very patience to walk through everything with me. Thank you Darcie and team!read more
    N M
    N M
    01:47 23 Feb 21
    I sought recommendations for a real estate professional from a close friend. He recommended Darcie Wells after she worked with him on property sale. I’m glad that I connected with Darcie, she was a pleasure to work. She was informative and responsive in managing the sale process on my behalf. I'm a... happy new home owner and I gladly recommend Darcie with the strongest endorsement.read more
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    01:30 23 Feb 21
    Darcie is a gem. We had the experience of buying our first home with her help and then selling it 8 years later under her care and expertise. Darcie is unassuming, good natured and friendly. She takes the often overwhelming experience of real estate and makes it digestible and tangible for her... clients. She is a good negotiator and her personable nature made us feel well-cared for and relaxed throughout the entire home-buying and home-selling process. She explains things clearly and is quick to respond to her clients. She has many years of experience and knows the Seattle market well. She gives great advice and guidance when asked for, but is ultimately supportive of her clients specific wants and needs. Darcie is who you want to cheerlead you through the process of real estate!read more
    Dawn Mortara
    Dawn Mortara
    22:53 22 Feb 21
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    Lindsey Cooper
    Lindsey Cooper
    21:05 22 Feb 21
    I could not have dreamed of an easier, smoother, more enjoyable experience than I had with Darcie. She helped me both buy and sell my first home. I was a novice, didn't know what to expect or what would happen. Darcie guided me through both experiences with knowledge, professionalism, confidence,... and support. I felt like I could go to her with any questions or concerns. Darcie is phenomenal and I cannot recommend her highly enough.read more
    Shannon Deasy
    Shannon Deasy
    22:51 09 Dec 20
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    Ilona Lohrey
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    00:23 30 Jun 20
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    Danielle Thirumalai
    Danielle Thirumalai
    04:18 26 Jun 20
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    Sandy Ruffin
    01:21 25 Jun 20
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    Marian DiPerna, LMP
    Marian DiPerna, LMP
    22:19 24 Jun 20
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    Johannes James
    Johannes James
    21:23 24 Jun 20
    The Real Estate Gals were a great team to have on our [buyers'] side when we purchased a home last year. I have read and strongly disagree with the negative review left below. We worked with both Johnine and Scott, who both expended a lot of effort and time to understand what we were looking for... in a home - which was a challenge due to our multi-family needs with preferences for large scale project space, but close to work in Seattle and in a tight budget. They quickly and accurately gauged what would work for us and helped us sift through the options with frank and straightforward feedback. When the perfect house finally turned up at the end of a long day touring around King County with us, they then burned some serious midnight oil slamming together the aggressive and fast-tracked offer that turned out to be critical for us securing our home. From my perspective, I cannot overstate the value of having a buyer's agent actually care enough to go these extra miles. I wouldn't be writing this from such a perfect home if it weren't for this team. I can only imagine these qualities have made them even better as agents during the pandemic. The Real Estate Gals will always have our gratitude - thanks especially to Johnine and Scott!read more
    Susan Waller
    Susan Waller
    20:34 24 Jun 20
    I bought my first house with the Real Estate Gals many years ago. As a first time buyer, I was anxious and unfamiliar with the process. They walked me through it, and were there every step of the way. I have since bought (and sold) three more houses with the Gals, and it was a great experience... every time. They are highly respected throughout the industry, and know how to put together a winning offer. I wouldn't work with anyone else!read more
    Shannon McFarlin
    Shannon McFarlin
    18:56 24 Jun 20
    Hands down, Johnine Larsen and team are the best realtors I've ever worked with. I've never met a realtor so knowledgeable about the process, the market, and skilled at helping clients manage the stressful feelings that come up during such an important life event. We have worked with Johnine... through several transactions and felt she was an excellent advocate for us, extremely responsive and supportive, steered us in the right direction (including away from houses that weren't right for us!), helped us understand so many important things to be aware of when buying a home, and negotiated the best deal for us every time. On top of that, she's very real and authentic - we always knew she was telling us her true opinion and thoughts, and is an amazing, warm and caring person, which is all so important when you are spending so much time together!read more
    Virginia Bunker
    Virginia Bunker
    14:08 14 Feb 20
    Johnine Larsen and her team are absolutely fabulous. I've bought and sold many properties over the years, and Real Estate Gals surpassed all of my previous experiences with agents. Johnine designed the perfect selling strategy. She then handled every detail leading up to the day we listed,... including cleaning, yard work, repairs, staging and more! Johnine has a heart of gold, and I can't say enough great things about my experience. Thank you!read more
    linda wright
    linda wright
    00:45 04 Dec 19
    I have bought and sold many homes in my forty plus years of being a Seattleite and I couldn't be more pleased with the way Johnine Larsen and her team handled the sale of my previous home. I moved into my new place and they took it from there. Contacted the right people to do the minor repairs at... a reasonable cost, staged the home, and had professional photos done within a few weeks. The sale went smoothly as well. I am so thankful that I found her.read more
    Paddy Lazar
    Paddy Lazar
    23:42 03 Dec 19
    I was lucky enough to work with Johnine and her very competent team to sell my home. I have to tell you how easy the entire process was. On her wise suggestion I had my home inspected, as there actually were a number of maintenance items that came up in that inspection and she even arranged to have... all of the repairs completed in a very short time. The only thing I had to do was to let the repair folks in. Then, to my surprise, Johnine , had all the windows and the whole house cleaned before listing it. She then had the house beautifully staged and had the yard cleaned up with even a little landscaping thrown in. The house sold within the week for OVER full price!Everyone I dealt with was always kind, helpful and professional, their communication was exemplary all through the process. I’ve decided to rent for a while but you can be assured that it will be Johnine and her team that I will go back to when ready to purchase a new house. I have sung her praises to all that I know.read more
    soumak ghosh
    soumak ghosh
    00:00 14 Nov 19
    They were representing the seller, and I was the buyer. Very limited communication from the agents. Waited days for a response for any email/text. I would eventually get an answer after multiple follow-ups. Almost cost us the deal.[Update]I have seen all the text/conversations of my agent with... your agency. Regarding the oil tank decommissioning, according to the contract, the tank was to be decommissioned 5 days before closing. When asked about so, 5 days before closing ( for which I have seen the text/email conversations of), you gave my agent very little to no information about it and even said it was on schedule. It was only after my agent called the oil tank decommissioning company herself that we got to know that it was not even scheduled 2 days before closing.Any buyer who was not as intended to buy the property as I was; could have walked away due to breach of contract. We got the final documentation 2 hours before the closing deadline. It was only after I wrote the review that your agents became responsive.read more
    Sarah Donaldson
    Sarah Donaldson
    18:44 18 Jul 19
    Darcie was such a joy to work with. She felt like family during the sale of our house and the search for our new home. We may have found our forever home, but if we ever need a Realtor in future, Darcie from Real Estate Gals will be our first call.
    Brian Heagler
    Brian Heagler
    16:55 02 Jun 19
    I have worked with Johnine and her team for 19 years and have always received personal, knowledgeable and professional service and attention! There is never and pressure and they will guide you away from a property when appropriate, which is always appreciated when a market is hot and the tendency... is to move quickly. I trust them and have never been let down!read more
    Anne Slater
    Anne Slater
    18:03 25 May 19
    Johnine Larsen is fabulous! She listened and came up with ways we could get what we wanted in a house and stay within our limited budget. When we found the house we wanted, she moved super fast to get the house inspected and implemented creative ideas to make our offer appealing. And out of 13... offers, we were selected and got our house. I recommend her to anyone buying a home.read more
    Amy Burdick
    Amy Burdick
    19:13 24 May 19
    Real Estate Gals made sure we found our perfect house! Then, when we were up against other bidders, Johnine worked tirelessly to ensure we were tops! Her extensive real estate experience combined with exceptional character and integrity provided peace of mind throughout the process. She also made... sure we received the right value as a seller and got the transaction done quickly and efficiently. Simply stated: there is nobody better to help you find your dream home.read more
    Bill Hollman
    Bill Hollman
    22:21 19 May 19
    I'd give Real Estate Gals 6 stars if I could. We have used them multiple times, both in selling and buying homes in Seattle and the surrounding area. I can't say enough about the professionalism, knowledge, and patience they bring to the task of buying a new home, or selling your current... residence.And they know the Seattle area so well, they'll offer valuable insights into the pros and cons of any location you may be to considering.Look no further, call Johnine at Real Estate Gals. You will be glad you did!read more
    Beth Guerra
    Beth Guerra
    01:14 18 May 19
    Johnine was a breath of fresh air in the real estate market. She listened intently to our wishes and goals, and was tireless in her search for our perfect house. She is well versed in both Seattle and the surrounding areas. She made sure all the details were taken care of after the inspection, and... made the closing process seamless. She even gifted us with a housewarming present. Nearly 7 years later, we still receive holiday cards and well wishes. I highly recommend Real Estate Gals and will look no further in the future.read more
    Joni Cervenka
    Joni Cervenka
    15:55 17 May 19
    Johnine has provided real estate expertise to me on several occasions and is very responsive and willing to give of her time and talent. I seem to always have questions about my rental property and she’s always happy to give advice. Although I haven’t bought or sold a house in over 20 years, I have... recommended her to many friends and they’ve all been pleased with her efforts and results on their behalf. She and her team truly care for their clients and they know their stuff!read more
    Aidan Key
    Aidan Key
    15:44 17 May 19
    Johnine and the Real Estate Gals brilliantly took us through the home buying process two different times. Their willingness to educate (I was new), hear our home hopes, and support us through the process are a few of the reasons that I highly recommend this team. Speaking of a team, I love their... collaborative business model - it meant that we--the home buyers--always had a returned phone call and an ability to look at a house on OUR schedule. Truly felt like they place the customer first!read more
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