Buying a home can be a confusing process, especially for first-time home buyers. You have a lender, an agent and about a hundred other people (or so it seems) thrown into the process. To understand the process a bit better, here is a list of the important people involved in you getting your perfect home.

Mortgage Lender – Finding a lender should be first on your list. You could definitely contact a Real Estate Agent first and ask for suggestions, but getting pre-qualified helps you know how much of a home you can afford. Make sure to ask questions with the lender, and be upfront and honest about your finances. Once you know how much house you can afford, it’s time to contact your Real Estate Agent.

Real Estate Agent – Finding a good Berkeley Real Estate Agent can make the entire home buying process much easier. If you feel more comfortable contacting them first, by all means do. They can set you up with a great lender then get you started. Your Agent should be your go-to for all things home buying. They should schedule your showings, have great contacts for you and answer your phone calls and questions whenever they’re available. Your Agent should make you feel comfortable with your decisions and should understand your wants and needs.

Inspector – An inspector is a very important person in the home buying process and can reveal a lot of flaws in your dream home. An inspector will check for electrical, foundation and plumbing issues that may not be visible even to the keenest eye. They can even check for termites and pests and will give you a detailed report of your home, allowing you to make the decision to proceed with the sale or to walk away.

Appraiser – Most lenders will require your home to undergo an appraisal. Why? The easiest answer is that your lender doesn’t want to loan money on a property unless it’s worth the value of the loan. It makes sense for your lender to protect his interest in the deal, so they will hire an appraisal. What’s the difference between a Real Estate Agent and an Appraiser? Many people don’t know this, but unless someone is certified by the USPAP (Uniform Standards of Professional Appraisal Practice) they cannot “appraise” your property. A Real Estate Agent does understand property values and can compare your property to recently sold properties in the area.

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