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Buying Process

When we work with you, we represent your interests and no one else’s. We take the time to discover your personal requirements and wishes for a home, for schools, and for the best neighborhood. We also help you sort out your financial resources in order to realistically find you the best home that you can afford. We’ll get you pre-approved for a loan so you don’t risk losing your dream-home on a technicality.

Once we know what you’re looking for and what you can afford, we search our database of thousands of homes for sale to match you with an assortment of properties to go see. We don’t want to overwhelm you with choices, so we make sure you feel comfortable with the properties we have in mind before we take you out to visit them. We understand that this can be hard work with a lot of details to remember, so we provide you with documentation on all the properties we visit and remain available for all your questions and concerns throughout the process.

Once your offer has been accepted, there will be a few milestones to think about before you can call your new place home.

These referrals come either from our own experiences or from our clients’ experiences. This isn’t a guarantee of their work, but a starting point for your own evaluation and decision-making.

 

Step 1. Structural Inspection

A structural inspection will need to be set up. We’ll take care of this for you once you have chosen an inspector. Following are some inspectors we recommend. Depending on the size of the property, costs will range from $300-$450.

Loan Pine Inspection – Dan Guestwick
Preservation Home Inspection – Sully McGinnis
Peacock Home Inspections – Terry Peacock
206-367-6566
Angie’s List
Crows Nest Inspection – Kristine Messick

Step 2. Homeowners Insurance

You’ll need to arrange for this. We recommend Insurance broker Bob Abolofia, at 425-641-7682. You can also call the person or company that handles your automobile insurance.

Jeff Talbot – Allstate Insurance
Website
206-542-6341
Yelp

Step 3. Escrow documents

You will receive papers to review and sign from both the title company and the escrow company. We’ll help you to understand these documents.
 

Step 4. Utilities

You need to transfer the utilities to your name and account.

Electric Service

Seattle City Light
Website
206-684-3000

Telephone service

CenturyLink
Website
866-449-1979

Gas service

Puget Sound Energy
Website
1-888-225-5773

Seattle Water, Sewer, Garbage, Yard Waste & Recycling

City of Seattle Combined Utilities
Website
206-684-3000
To establish a new water account, you must first read the meter after your transaction closes and then call in the reading. You can also find out your collection information and set up yard waste pick up.

Cable, TV, or Internet

Comcast
Website
1-877-824-2288
Dish
Direct TV
AT&T

Oil Service

If you have oil heat, you can purchase the oil from any company you like. Normally, the name of the company that has been supplying the oil will have a sticker on the furnace, or we will ask the seller who their supplier was. Most people simply continue with the same company. Whoever you choose, you should also set up a yearly maintenance agreement for the annual service of your furnace. The tank is normally filled once or twice a year depending on usage and size of the tank. Price of oil is about the same with most companies. Note: In Seattle, there is automatic insurance on oil tanks that are in use through the Pollution Liability Assistance Act of up to $65,000 in the event the tank fails. Outside of Seattle, we will supply you with the needed utility company phone numbers by either phone or email. The companies can vary according to where the house is located. Shoreline, for instance, has more than one number depending on whether you live east or west of the freeway.

 

Step 5. Appraisal

The appraisal will be done on your property. We meet with the appraiser and will inform you of the time and the outcome of the appraisal. Normally, the lender will mail you a copy of the appraisal. If you don’t get one, request it from your lender.

 

Step 6. The Lender

The lender may call with questions, or they may need further documentation. It is very important to respond to them immediately in order for the transaction to close on time.

 

Step 7. The Closing Process

You will be contacted by the escrow company to set up a time to sign your documents. They will instruct you to bring a cashier’s check with you for the balance of funds you’ll need to close the transaction. The cashier’s check is made out to the escrow company. Johnine usually goes to the signing with you.

 

Step 8. The Keys

We will get you the keys to your new home sometime prior to your occupancy date, dependent upon when the listing agent or seller makes them available to us.