Client/Buyer Information Document
Thank you very much for choosing Mile High Home Solutions to help guide you through your real estate purchase. We have a trained, professional, and licensed staff to help complete your purchase with the least amount of confusion for you. We answer all your questions, guide you through the process, and spell it out for you in plain English along the way. Owning your own home is the American dream because it helps to position you along a path of success, and homeownership is one of the cornerstones of that process. Below you will find the information you will need to begin the process of making one of the most important decisions of your life, and we are here to help you through that process and show you how to do the right thing the right way the first time, and help get you positioned to begin enjoying the benefits of homeownership.
STAGE 1 (30 minutes) – Fill out Application
At this time we will determine what programs we have available that will be best for you. We will look at what homes, loan programs, and terms will benefit you the most.
STAGE 2 (30 minutes) – Send in Application to be reviewed.
STAGE 3 (up to 5 days, depends on you) – You will receive a list of homes
that meet your criteria, all around, including location, price, size, etc. The homes you will find on this list will be in your price range and at terms that will be most favorable for you. All the homes on the list provided will be coming from sellers who have agreed to help out home buyers and pay some or all of the buyers closing costs and down payment. This helps everyone; the seller gets to sell, and the buyer gets to buy. This type of situation can help out the home buyer quite a bit. It can help pay your down payment, closing costs, and even put a little money in your pocket to make some minor repairs such as paint, carpet…etc., even when you may have a few blemishes on your credit. We will also work to position you in a home that has some equity built into it.
FORM: PG. 1 CBID 017 01/01/07
STAGE 4 (running during your home search) – Mile High Home Solutions
works to prepare your file in order to write the contract, and obtain the loan for the property you want. We will send you a brief and simple list of all docs you will need, and a blank balance sheet for you to fill out, pertaining to your current monthly bills. Also, we will send you a step by step way to sign up for an easy to use third party on-line credit monitoring service. We will also work to help fix and or improve your credit. We charge nothing for that service, and the online credit monitoring service has nothing to do with our company what so ever. It is just an excellent tool to have.
STAGE 5 (1 day) – We will write a contract for you on the property that you
choose from one of the houses off the program list that we had previously tailored for you.
STAGE 6 (2 to 4 weeks) - We work with some of the best mortgage brokers in
the business. We will refer you to one of four different mortgage brokers that will be able to answer all your questions about the loan process, and streamline you through and into your new home. We have worked with these brokers before, and they have gained our trust. As such, we refer our clients to them. We make nothing on this referral, and it is purely for the benefit of our clients. They will guide you through the process and get all your documents in order. The documents that will be required from you will be given to you in the form of a simple checklist. While you are meeting with the mortgage broker, Mile High Home Solutions will be diligently getting your home ready to close. We will, if you choose, hire the inspector for you, the appraiser, the title company, and take care of everything. We will also give you a list of different resources you can call on your own if you so desire and take control of the process yourself. All along the way we will show you what we are doing and how we are doing it, so you will know in the future how to do this for yourself over and over again.
FORM: PG. 2 CBID 017 01/01/07
STAGE 7 (up to 2 hours) – CLOSING…This is where everyone meets, at a
time of everyone’s mutual convenience, and sign all the necessary documents to transfer the property into the new owners name—and presto…that’s it, you are now a proud home owner.
STAGE 8 (up to a couple weeks, depending on the job to be done) – In some
circumstances we will be able to arrange a fix-up allowance. This allowance will be allocated to you for you to make some minor fix-ups to your new home, and start to make it the way you want.
FORM: PG. 3 CBID 017 01/01/07