Buying your first home?

Did you know that purchasing a home is one of the largest financial decisions the majority of people make? Making that decision is a big step.

Here are a few things that we at Roussel Team Realtors think First Time Home Buyers need to know or consider.

  1. First Step in the home buying process should be the Pre-Approval process.
    Other agents disagree with that being the first step in the process, but it is the most important. Meeting with a lender allows you to ask questions about home loans that Realtors might not be able to fully answer. It also allows you find out how much a bank will loan you to purchase a house. Once we have that information, we can sit down and see what your budget is and then go find homes to fit your budget. 
  2. Second Step is finding a home. There are actually two parts to this step. Finding a Realtor that you believe will work for your best interest is part one. Part two is meeting with that Realtor to determine what you need and want in a home. By getting to know you, our client, we can better get a feel for what you are looking for in a house. This is one benefit of working with a experienced and knowledgeable Realtor. Once that process is moving along, you will be able to start your official search. As your Realtor, we will search through the MLS and try to find houses that match your budget and search criteria. As many as 85% of home buyers also search sites such as,, and Each of those sites syndicate most of their listings from our MLS. Or you can go to and search directly from our website. Sometimes the search is quick and easy and sometimes it takes longer than expected to find suitable properties for you. When we find them, you will be emailed the information to review and narrow down to 5-6 houses so that we can move onto the next step.
  3. Third Step is actually going to look at the houses you have picked out. The magic number is usually around 5-6 houses as looking at more than that generally leads to all the properties running together in your mind. In 28 years of combined experience, we've learned that it is best to stick to the lower number and take good notes for each home. If you don't find the one in the first 5-6 houses then we repeat the process until we do. 
  4. Fourth step is the offer process. This is usually the most stressful for new buyers. It's similar to choosing your life mate as you have to put your faith and trust in the Realtor you've chosen to represent you. We will spend time showing you what other properties are selling for in the area so you can make an educated. As the buyer you make the decision of what to offer on each and every house. It is our job to help by advising you so you have the ability to make a competitive offer. Once we've submitted your offer, we wait for one of three possible responses. 1: Rejected offer, the most harsh outcome. It means the seller won't or can't accept the offer you have written. 2: Accepted offer, this is what everyone hopes for. It is our advice to never to lowball a property but to make a good fair offer. Sellers are more willing to work with someone who makes a strong offer. 3: A Counter offer is the third possible outcome. That just means the seller has reviewed your offer and is willing to work with you on the purchase, but has changed some of the terms of the offer. If you agree to those changes then you can accept it and move on to the Fifth Step. If not, you either step back to the beginning of the Fourth Step and make a new offer, or decide to move onto your second choice property and begin the Fourth Step for it.
  5. Fifth Step is the 30-45 day period of what happens after you receive an accepted offer. Once we receive the accepted offer the following takes place. 1: Order title work / send accepted offer to lender to start on the mortgage. 2: Schedule and complete the Home Inspection. 3: Bank orders the appraisal. 4: Title company runs a title search and orders the termite inspection. 5: Once all the above is completed and all the hurdles have been cleared. We can set a time to close the transaction and  hand over the keys to your new home so you can move in!


Tough Lessons to Learn for First Time Home Buyers. 

  1. There is no such thing as the perfect home. We have tried to find them but unfortunately they don't exist....
  2. Don't drag your feet when deciding on a house to make an offer. We see this everyday and it might feel like we are pressuring you to make a quick offer. That is not the case. Good properties are selling so fast currently that its possible the house you want will go under contract while you are taking time to think about it overnight or waiting to see if another property comes on the market. We just don't want you to miss out on the house you really want to purchase. 
  3. No matter what you believe or have been told, Realtors have your best interest in mind. Especially Roussel Team Realtors. We've heard stories about First Time Home Buyers getting taken advantage of by agents and we assure you that your best interest is foremost on our minds. 
  4. You are not our only client.... We say this with the utmost respect. Roussel Team Realtors will always try to respond to phone calls, text messages and emails as quickly as possible. Just because we can't answer right away does not mean we aren't focused on providing you with the home buying experience and service you deserve. We promise!


Please understand that this is the opinion of Roussel Team Realtors and not the opinion of every Realtor out there. We run our business a certain way and it may differ from many other Real Estate Professionals.



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