John Colby
Colby Realty | 978-249-5871 | [email protected]


Posted by John Colby on 8/26/2018

With 24 hours before you finalize your home purchase, you might feel a mix of anxiety and excitement.

What will it be like to finally own a home? How will the home closing process go? And what will I need to do to ensure everything goes seamlessly as you wrap up your home purchase? These are just some of the common questions that homebuyers consider in the hours leading up to a home closing.

It is important to prepare as much as possible before you complete a home purchase. Lucky for you, we're here to help you do just that.

Let's take a look at three tips that you can use to get ready to finish a home purchase.

1. Get Your Paperwork in Order

You may need multiple forms of identification and other essential documents when you close on a home. Thus, you should put together a folder of any must-have documents at least a day in advance.

If you find that documents are missing, retrieve them as quickly as possible. Also, try to get multiple copies of important documents if you can.

When it comes to getting ready for a home closing, it usually is better to over-prepare. Therefore, if you plan ahead as much as you can, you'll have all of the documents you need to complete the home closing process without delay.

2. Finish Any Last-Minute Packing

After you finalize a home purchase, you'll be ready to move in to your new home. As such, you should ensure that all of your belongings are packed up and ready to go.

If you're vacating an apartment, ensure that you've notified your landlord and provided sufficient notice about your upcoming move. That way, you'll be able to finish your rental agreement on good terms with your landlord.

Also, if you need extra help for your move, be sure to reach out to a moving company or family members and friends. And if you require a moving truck, don't forget to rent one in the days leading up to your move.

3. Consult with Your Real Estate Agent

The day before a home closing can be stressful, particularly for first-time homebuyers. If you have any concerns about the home closing process, be sure to consult with your real estate agent.

Your real estate agent likely has been a life-saver throughout the homebuying process thus far and will continue to assist you in any way possible. If you have questions about the home closing cycle, your real estate agent will respond to your queries immediately.

In addition, your real estate agent can teach you the ins and outs about what will happen before, during and after a home closing. He or she will explain what to look for during a final home walk-through, what home closing forms that you'll need to sign and what to expect after a home purchase.

Streamline the home closing process use these tips, and you can get take the guesswork out of finalizing a home purchase.




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Posted by John Colby on 7/22/2018

Completing a successful homebuying journey may be difficult, especially for those who do not plan ahead. In fact, high-pressure situations may arise that lead you to make rash homebuying decisions. And if you make the wrong choices, you risk paying an exorbitant price to acquire your dream residence.

There is no reason to let high-pressure situations cause you to make poor decisions throughout the homebuying journey. Now, let's take a look at three tips to help you map out your homebuying journey so you know exactly how to handle any high-pressure situations that come your way.

1. Maintain Flexibility

A high-pressure homebuying situation may make you feel like you are backed into a corner. However, it is important to remember that options are always available. And if you take a deep breath and step back and review a high-pressure homebuying situation closely, you can determine the best course of action.

Those who maintain flexibility as they try to acquire their dream home may be better equipped than others to handle high-pressure homebuying situations. Because if you maintain flexibility throughout the homebuying journey, you can take an objective view of the options at your disposal and proceed accordingly.

2. Establish a Budget

A budget generally is helpful, particularly for those who want to acquire a terrific home as quickly as possible. If you have a budget in hand, you'll know exactly how much you can spend on a home. Then, if you face pressure to increase your offer to purchase your dream residence, you'll know whether you have the financing available to do so.

Keep in mind that the costs associated with purchasing a home extend beyond the price of a house itself, too. As you establish a budget, you'll need to account for closing, appraisal and inspection expenses and various other fees in addition to the cost of a house itself.

3. Work with a Real Estate Agent

A real estate agent can take the guesswork out of buying a house. He or she also will go above and beyond the call of duty to alleviate stress and ensure you can proceed with confidence as you pursue your ideal residence.

Let's not forget about the guidance that a real estate agent provides when you're ready to submit an offer to purchase your dream home, either. At this point, a real estate agent will help you craft a competitive offer to purchase your ideal house. He or she next will submit this offer to a seller on your behalf and negotiate with the seller as needed. If you and a seller come to terms on a home purchase agreement, a real estate agent will help you close on your dream home as well.

For those who want to simplify the homebuying journey, it helps to prepare. Thanks to the aforementioned tips, you can get ready for high-pressure homebuying situations and speed up the process of acquiring your dream residence.




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Posted by John Colby on 7/15/2018

If you intend to purchase a great house at a budget-friendly price, you should craft a homebuying timeline. That way, you can decide the best ways to achieve your homebuying goals.

Ultimately, creating a homebuying timeline can be simple here are three tips to ensure you can develop a successful homebuying timeline.

1. Know When You Want to Move

For those who want to buy a house, it helps to consider your current living situation. By doing so, you can determine the necessary steps to relocate from your current address and acquire your dream residence.

If you presently own a house, you may need to sell it before you purchase a new home. Or, if you currently rent, you may need to give your landlord sufficient notice prior to your relocation. But if you consider the aforementioned factors closely, you can set a deadline for your move.

With a deadline in place, you can start your dream home pursuit. And once you find this residence, you can submit an offer and proceed with a home purchase.

2. Get Your Finances in Order

If you want to develop a successful homebuying timeline, it generally is a good idea to consider your financial situation as well. Because if you lack the necessary home financing, you are unlikely to be able to acquire a wonderful house any time soon.

As you develop your homebuying timeline, you may want to meet with banks and credit unions. These financial institutions can teach you about a wide range of mortgage options and help you get the financing that you need to buy your dream house.

Furthermore, you should check your credit score when you craft your homebuying timeline. If your credit score is low, you may need to improve it prior to buying a house. Thankfully, you can account for this factor as you map out your homebuying strategy and plan accordingly.

3. Collaborate with a Real Estate Agent

Developing a homebuying timeline may prove to be challenging. Luckily, real estate agents are available who can help you take the guesswork out of purchasing a house.

A real estate agent can teach you the ins and outs of buying a home. As a result, this housing market professional will enable you to enjoy a quick, seamless homebuying experience.

Perhaps best of all, a real estate agent can make it easy to acquire a terrific house on your timeline. This means if you want to purchase a top-notch house as quickly as possible, a real estate agent will do everything possible to make your homeownership dream come true. Comparatively, if you want to take a slow, gradual approach to buying a house, a real estate agent is ready to respond to your homebuying needs.

When it comes to buying a house, it helps to have a timeline in place prior to starting a house search. Fortunately, if you use the aforementioned tips, you can streamline the process of establishing a successful homebuying timeline.




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Posted by John Colby on 5/27/2018

When it comes to buying a home, there is no reason to let negotiations get the best of you. Fortunately, we're here to help you become an expert negotiator, i.e. someone who understands the ins and outs of obtaining a high-quality residence at a budget-friendly price.

What does it take to become an expert homebuying negotiator? Here are three negotiating tips that every homebuyer needs to know:

1. Act Quickly on a Home That You Like

If you fall in love with a home and are ready to make an offer on it, don't hesitate to put your best foot forward. Submit a competitive offer, and you may be able to avoid stressful negotiations with a home seller.

Understanding the true value of a residence is paramount for homebuyers. Conduct plenty of housing market research before you submit an offer, and you can better understand the prices of comparable houses in your area.

Also, if a home seller counters your initial offer, don't be afraid to negotiate. Be flexible, and you can boost your chances of securing your dream residence.

2. Do the Math

How much can you afford for a new home? You'll want to establish a homebuying budget before you enter negotiations with a home seller. Otherwise, you risk spending too much to acquire a residence.

Getting pre-approved for a mortgage may make it easy for you to avoid the temptation to overspend. With a mortgage in hand, you can search for houses that fit your price range.

In addition, be sure to account for closing costs and other fees that you may encounter down the line. If you fail to do so, you may wind up overspending on a residence.

3. Collaborate with a Real Estate Agent

Homebuying negotiations can be time-consuming and expensive if you're not careful. Thankfully, real estate agents are available who can negotiate with a home seller on your behalf.

Hiring an experienced real estate agent usually is a good idea, particularly for first-time homebuyers. Stress and anxiety can be problematic during homebuying negotiations, but a real estate agent will ensure that you won't have to deal with these issues.

Your real estate agent has a simple goal: to ensure that you can purchase the best house at the best price. He or she will go above and beyond the call of duty to accomplish this goal. As such, employing a real estate agent to handle homebuying negotiations can make a world of difference for homebuyers nationwide.

Furthermore, your real estate agent will keep you informed throughout negotiations. This real estate professional will offer expert tips and recommendations and will never make a move without consulting with you. Perhaps best of all, your real estate agent will be happy to answer any of your homebuying concerns and queries, guaranteeing that you can make informed decisions throughout the homebuying process.

Work with a real estate agent as you prepare to enter negotiations to purchase a residence. By doing so, you can simplify the process of going from homebuyer to homeowner.




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Posted by John Colby on 4/15/2018

The homebuying process sometimes can be tough to navigate. Fortunately, we're here to help you achieve the optimal results throughout the homebuying cycle.

Now, let's take a look at three questions that every homebuyer needs to consider as he or she pursues a home:

1. What is my "dream home" definition?

If you know what you want to find in your "dream home," you may be better equipped than ever before to streamline your home search. Thus, it generally helps to establish a list of home must-haves and wants to guide you along the homebuying journey.

As you check out a broad range of houses, don't forget to update your list of home must-haves and wants too. By doing so, you may be able to further accelerate your home search.

2. What can I afford to pay for a home?

The prices of homes vary based on location, size and other factors. As such, you may want to get pre-approved for a mortgage to ensure you know exactly how much you can spend to acquire your ideal residence.

Getting pre-approved for a mortgage can be fast and simple. If you meet with banks and credit unions, you can learn about all of the mortgage options at your disposal.

Of course, you should ask plenty of questions any time you meet with mortgage specialists. This will enable you to evaluate myriad mortgage options and choose a mortgage that complements your finances perfectly.

3. How can I quickly and effortlessly achieve my homebuying goals?

The homebuying journey differs from buyer to buyer. However, homebuyers who work with real estate agents typically can boost the likelihood of achieving the best-possible results during the homebuying journey.

A real estate agent knows the ins and outs of the housing market. He or she can teach you about the real estate sector and help you narrow your home search. Also, a real estate agent is unafraid to be honest with you and will offer unbiased recommendations to ensure that you can make an informed homebuying decision.

Let's not forget about the comprehensive assistance that a real estate agent can provide throughout the homebuying cycle, either. A real estate agent will keep you up to date about available houses that match your homebuying criteria. In addition, he or she will set up home showings that enable you to check out residences in-person. And once you discover your dream residence, a real estate agent will help you put together a competitive offer to acquire this house.

Furthermore, a real estate agent is ready to respond to any of your homebuying concerns and questions. As a result, a real estate agent will allow you to quickly and effortlessly navigate the homebuying journey.

When it comes to buying a house, there is no need to worry. If you collaborate with a real estate agent, you can get the support you need to make your homeownership dream come true.




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