The Homebuyer Blueprint

Congratulations on embarking on your journey toward owning a home! The key to a successful property purchase is being well-informed from the start, allowing you to move forward with confidence. Leveraging my extensive knowledge of the local area, I aim to remove any uncertainties you might have about this significant decision and help you identify the neighborhoods that align with your way of life. I'm excited to support you through each phase of this journey, ensuring a smooth and straightforward experience. Let's begin the search for your dream home!

As a Registered Nurse in Upstate, Karishma is passionate about community care. She brings the same detail and dedication to her real estate clients. You can rest assured that you will receive proper communication throughout all phases of the homebuying process. 

Purchasing a home is often one of the most significant investments you'll undertake, with enduring long-term implications. Our team of esteemed real estate advisors will proficiently navigate you through the complex process of home buying, assisting you in sidestepping expensive errors.

Navigating the Home Purchase Process

Having an experienced professional on your side provides a competitive advantage when searching for and purchasing a home. An agent's broad perspective and experience can provide a foundation to assist you in what is typically a challenging and rewarding journey.

For our first video call we will discuss your finances to get you paired with the right lender for your unique situation. We will discuss financing and down payment programs that you may be eligible for. Please be sure that all parties are present for the meeting, that will be on the loan. It would be beneficial if you could have all of the documents listed in the image prior to our call.

You did it! Now that we know how much you're qualified for, we can start searching for your next home! I'll e-mail you the "Homebuyer Wishlist Form" to complete. 

Most seller agents will request 'Proof of Funds' prior to showing a property. This is to ensure that you are a qualified buyer. Please e-mail your preapproval letter and bank statement to Karishma@liveingvl.com If you have any questions, text me at 864-399-0240

You stayed focused on the mission and we can go home shopping! I'll send you properties that meet your criteria. We will tour homes as soon as possible, preferably within 2 days of first contact. 

Yes, you can absolutely send me properties that catch your eye as well to tour if they meet your preferences. My goal is to find your ideal home within 5 to 10 showings. The market moves quickly and I don't want you to miss out on your best fit!

After each showing I will ask what you like or dislike about each property so that we can determine the best way to move forward. 

I'm proud of you for choosing that one special place to call yours. Now let's make an offer! 

Its normal for the deposit to be 1-2% of the purchase price. This can usually be negotiated, especially with new construction. 

Since we have already discussed your finances and monthly spending comfort level, we are prepared to start negotiating if necessary. We will discuss together what the best first offer shall be and adjust accordingly! 

Negotiating is my favorite part. It's important that I know what your non-negotiables are prior to making an offer. Don't worry, you'll be involved in every offer and counteroffer!

Here's additional information about making an offer on a potential home. As we consider a purchase price, these criteria will guide our evaluation. Our offer package will encompass a purchase contract, a pre-approval letter, proof of funds, and signed disclosures.

Proper home inspection is a crucial step to purchasing a home. Everything from having trusted inspectors to evaluating the inspection reports, negotiating repairs to avoiding future issues, we are with you every step in the way.

After your offer is accepted, the process of closing on the home starts. Here are the usual steps:

• It's important to note that closing costs often range from 3 to 6% of the loan amount.
• Typically, the process begins within one business day after the purchase agreement is accepted. Your initial deposit, as outlined in the contract, is then placed into a designated account. The period from the acceptance of the offer to the recording of the ownership transfer generally lasts between 21 to 45 days, though purchases made entirely in cash may close faster.

The NAR Settlement addresses allegations of anti-competitive behavior in real estate broker commissions, with NAR and major real estate companies agreeing to pay $418 million to settle the claims and implement changes in commission rules. Sellers may see more transparent and negotiable commission structures, potentially giving them more control over payments to listing and buyer agents, though the total fees paid by sellers may remain similar. Buyer agents may now be compensated directly by buyers, or sellers may cover their fees. These changes aim to increase transparency and marketability for sellers while requiring buyers to sign agreements detailing their agent's compensation. Practices will evolve based on market conditions.

In the past, the buyer agent was in most cases paid through sharing the commission the listing agent negotiated with the seller. This is now changing due to the NAR Settlement and my commission and fee could be paid in multiple ways which I will discuss with you when we meet.

We will provide you with a Buyer Agency Agreement that will explain in detail the role of your Buyer Agent. This must be signed by the purchaser and the broker in order for the Agent to represent the purchaser on a buyer-side of a transaction. A Buyer Agent represents only the buyer and promotes and protects your best interests as your fiduciary.

We are dedicated to upholding a standard of excellence, and I am confident in my ability to secure the best deal for you swiftly.

Choosing to work with us exclusively throughout your property search is a significant decision, and we take it seriously. In return, we pledge to prioritize your interests and tirelessly seek the ideal home that meets your requirements.

Leveraging our extensive experience and a history of thousands of successful transactions, we enhance your search with unparalleled insights, exclusive listings, and access to experts in construction, local community matters, legal, social, and business issues.

Purchasing a home is among the most crucial investments you'll make in your life. We aim to make this journey exciting, clear, supportive, and fulfilling, ensuring you feel confident and satisfied as we help you find your ideal home.

This is a no-pressure no-obligation exploration call to better understand your real estate needs.