Here is why working with a REALTOR® works for you in terms of your interests, convenience, budget and your peace of mind throughout the entire buying process. A strict Code of Ethics binds active members of the National Association of Realtors®.

  • Realtors® are the source of the most complete and up-to-date information on market availability, including homes listed by another REALTOR®. Working with these professionals saves valuable time.

  • Realtors® assist in determining what a purchaser can afford as well as available financing options.

  • Realtors® assist in finding the home which best meets a purchaser’s needs, from size and style to features and location as well as accessibility to desired amenities.

  • Realtors® can provide information to better inform a purchaser which property to buy, from real estate values to taxes, municipal services to utility costs. Realtors® can be objective about a property and point out disadvantages, as they have no emotional ties.

  • Realtors® will negotiate offers and counter offers on your behalf with the Seller until an agreement has been made and will guide you through the loan and escrow process.

  • Realtors® will determine “Fair” market value establishing a fair sales price.


  1. Loan pre-qualification and determination of home shopping ability.

  2. Contract negotiation and acceptance and Sellers Property Disclosure (SPD).

  3. Escrow is opened and Title Report is ordered.

  4. Begin loan process.

  5. Inspection period. Contact hazard insurance company to verify property and individual insurability. Repairs accepted.

  6. Appraisal is ordered by lender.

  7. Loan documents drawn by lender.

  8. Loan and escrow documents signed at SureTrust Title and final closing deposit is made.

  9. Funding by lender.

  10. Recording of loan and escrow documents with County Recorder.

  11. Property transfer is complete