Home Buyer's Roadmap
LET US GUIDE YOU ON YOUR HOME BUYING JOURNEY
Sedona Buyer's Roadmap
Your story, your dreams, your history needs a place to happen. Let us guide you home to where your story begins. We want to be with you from your first questions to holding the keys to your front door. Follow these steps on your path to home...
Decision To Buy
We can take the stress out of the decision, "Should I buy?" This is probably one of the biggest financial decisions you will make and we have the experience to help you weigh all your options.
Why buy?
- More stability for your family
- Paying rent feels like throwing money away
- You need tax advantages
Can you afford it?
We use advanced mortgage calculators that will explain the true cost of home ownership. Generally speaking, if you can spend 33-40% of your income on housing, you can afford to own a home.
Prep To Buy
Be careful with your money and job decisions and gather these documents:
- Financial statements—W-2 or 1099 forms for two years
- Profit and loss statement if you own a business
- Recent paycheck stubs
- List of assets
- List of debts
- Tax returns from last year and possibly two more
- Your credit rating—above 620 is where you want to be to get the best interest rates
Agent To Buy
The road to owning a home can be a fun journey but also complex. We want to be with you as you make these big financial decisions that affect the rest of your life. What you can expect from us:
- Full-time experts with your best interests at heart
- Agents that are completely familiar with different neighborhoods
- Prompt and thorough communication that shows respect for your time
- Credentialed agents that can provide excellent references
Shop To Buy
Where does your next chapter begin? What style of home expresses who you are? How many bedrooms do you need? What schools are close by?
- Visit the neighborhoods you're interested in at different times of day
- Balance out your needs and wants with what you can afford
- Let us help you evaluate which homes have the best financial potential
- Together we will make an offer that pleases you and the seller
Bank
Getting the legal and financial paperwork done can seem daunting but we will be with you every step of the way. Here's a general outline of what will happen:
- A title company will research the history of your property to make sure it can be legally purchased and they will hold all the funds and legal instruments as a neutral third-party
- An inspection by a professional on the major parts of your home will ensure that your dream home doesn't turn into a nightmare
- An appraiser will inspect your property and combine that with other data to determine if the buying price is justified
- Two weeks before closing you will verify that your loan will go through
Keys
We can't wait to say congratulations and put the keys to your dream home in your hand! Here are the final details that we will help you with:
- One last inspection to make sure it's ready for you
- Making sure you'll have electricity, hot water, internet and any home services you require
- "Closing escrow" happens when the title company gives you a closing statement that lists all the legal and financial details of your purchase, you sign the final documents and the transaction is recorded at the County Assessor's Office.
WELCOME HOME
Awards
#1 Broker / Realtor in Northern Arizona. We hold the standing recorder for most volume ever sold in one year by a realtor. 56 million+ 87 homes sold.
Real Estate Experience
Galloway Realty has been in helping customers like you handle real estate for 35+ years. We take pride in sharing our experience with others. Let us help you buy, sell, or build a home.
Our Services
Whether you are buying, selling, or building a home we can assist from start to finish. Our goals are your goals.
