At Team Wiseman Real Estate powered by Platinum Realty, we understand that purchasing a home is one of the most important decisions you’ll ever make, and having the right advice and guidance is essential. Our unmatched expertise and customer service set us apart, ensuring you don’t just find a home—you find the right home at the right price. With exclusive access to off-market properties and early listings, we give you an edge in a competitive market. Our team’s nuanced understanding of construction quality, materials, and craftsmanship ensures your investment is sound, while our dedicated advocacy throughout the purchase process—negotiations, inspections, escrow, and closing—means your interests are always protected. At Team Wiseman, we’re not just your agents; we’re your partners, providing support and guidance every step of the way. And after the sale, we’re still here to help make your house a home, offering advice on furnishings, design, and enhancements to maximize your enjoyment and value. When you work with Team Wiseman, you’re not just buying a house—you’re joining the Team Wiseman Family, where your dreams become our mission.
Before you start shopping for your property, it’s essential to make a few preparations to ensure the process goes as smoothly as possible. At Team Wiseman Real Estate powered by Platinum Realty, we’re here to guide you every step of the way and connect you with our amazing lenders to make your experience seamless and enjoyable.
GET YOUR GREEN FILE READY
A “green file” contains all your key financial documents and will be necessary for securing financing for your property. Our lenders can help you organize and review this information to streamline the loan process. Your green file should include:
Check Your Credit Rating
Your credit score plays a significant role in determining the type of property you can afford and the financing options available to you. Our experienced lenders will help you evaluate your credit score by checking with the three main credit reporting agencies: Equifax, Experian, and TransUnion. Once you know your score, we can better understand your purchasing power and explore the best options for your needs. Whether you’re purchasing a residential property, investment property, or new construction, our knowledgeable lenders are ready to assist.
Be Careful With Your Finances
Approach your property purchase from a position of financial stability. Now is not the time to make sudden career changes or large purchases that could impact your creditworthiness or loan approval. At Team Wiseman, our agents and lenders are here to provide personalized guidance to help you maintain financial stability and navigate the buying process with confidence.
Ready to Start? Let Team Wiseman Real Estate and our trusted lenders make your home-buying journey smooth, informed, and exciting. Reach out to us today to learn more!
Buying a property involves making significant financial decisions, understanding complex issues, and navigating through extensive paperwork. That’s why it’s essential to have an experienced expert by your side. At Team Wiseman Real Estate powered by Platinum Realty, we pride ourselves on providing 5-star service from before the sale, during the transaction, and long after you’ve closed. We’re here to guide you through the process and give you access to exclusive property listings before they hit the general market.
Factors to Consider When Choosing Your Agent
When you choose Team Wiseman Real Estate, you’re choosing a team that puts your needs first, provides exceptional customer service, and ensures a seamless experience from start to finish. Let us guide you through one of the most important decisions of your life and make it an exciting and stress-free journey. Contact us today to experience the Team Wiseman difference!
Take a Drive Explore neighborhoods, complexes, or subdivisions that catch your interest. Get a feel for the area and imagine what it would be like to own a property there. If you’re unsure where to start, our team can provide recommendations based on your preferences and lifestyle to help you find the perfect community.
Narrow Your Search Once you’ve identified a few areas of interest, let us handle the details. We’ll set up a custom home search tailored specifically to your needs, providing you with access to the latest listings that meet your criteria. From there, we’ll schedule showings and guide you through each property. Our team will answer important questions about each home, including potential long-term resale value, so you can make an informed decision.
Time to Buy When you’ve found the property you love, Team Wiseman is here to help you secure it. Our experienced agents will craft a competitive offer designed to appeal to the seller while protecting your interests. We’ll also investigate any potential costs and expenses associated with the property to ensure there are no surprises. From drafting the offer to negotiating on your behalf, we work tirelessly to give you an advantage and ensure you get the best deal possible.The Process Step-by-Step
At Team Wiseman Real Estate powered by Platinum Realty, we understand that the home-buying process can feel overwhelming, but we’re here to make it smooth and enjoyable. With clear communication, expert guidance, and a dedication to your success, we’ll ensure every step is handled efficiently so you can focus on the excitement of your new home.
The Initial Agreement and Deposit
An effective agreement is a legal arrangement between you and the seller. Here’s how we streamline this critical step:
The Closing Agent
A title company or attorney acts as a closing agent to hold your deposit in escrow, research the property’s history, and confirm the title is free of encumbrances. They’ll also document any restrictions, easements, or encroachments on the property. Team Wiseman works closely with trusted closing agents to make this process as seamless as possible.
How to Hold Title
The way you hold the title has legal and tax implications. We recommend consulting an attorney or tax advisor to determine the best method for your circumstances. Our team is happy to connect you with trusted professionals for advice.
Inspections
Once your offer is accepted, you’ll need a licensed property inspector to examine the home within the contract’s agreed-upon timeframe. Specialized inspections (e.g., roof, HVAC) can also be conducted if needed. For commercial properties, an environmental audit is often required.
Appraisal and Lending
Your lender will order an appraisal to confirm the property’s value aligns with the loan amount. Stay in close contact with your lender to ensure your loan application is processed smoothly. Team Wiseman will coordinate with the lender and appraiser, keeping you informed every step of the way.
Association Approval
If the property is part of an association, obtain the rules, regulations, and documents from the seller immediately after the purchase agreement is finalized. Submit your application and fees promptly and schedule any required interviews early. We’ll help you stay organized and ensure everything is submitted on time.
Property Insurance
Your lender will require homeowner’s insurance before closing. Save money by:
Team Wiseman can connect you with knowledgeable insurance agents to find the best policy for your needs.
At Team Wiseman Real Estate, we prioritize communication and attention to detail, ensuring a smooth, stress-free experience. From the initial agreement to the final closing, our team is dedicated to making the process as enjoyable and exciting as it should be. Let us handle the details while you focus on your future home!
You’ve made it this far, and it’s almost time to celebrate—but there are just a few more steps before you officially call your new property home. At Team Wiseman Real Estate powered by Platinum Realty, we’ll guide you through the final stages with the same care and attention to detail you’ve come to expect. By the time you have the keys in hand, you’ll officially be a part of the Team Wiseman Family!
Final Walk-Through Inspection
The final inspection is typically done the day before or the day of closing. This important step allows you to verify that:
We’ll be with you to ensure everything checks out and address any concerns that arise.
Home Services and Utilities
Once the closing is complete, we’ll provide you with a list of valid numbers to activate your home services and utilities, making the transition into your new property as smooth as possible.
Be Prepared
Even at this late stage, unforeseen issues can occasionally arise, such as a broken appliance or a last-minute adjustment. Don’t worry—we’ve handled these situations before and know how to resolve them efficiently and without stress. At Team Wiseman, we’re always ready to assist and ensure everything goes as planned.
Closing
The closing agent will provide all parties with a settlement statement, summarizing the financial details of the transaction. You’ll review and sign this document, along with any required paperwork for your loan if financing is involved. If you cannot attend closing, alternative arrangements can be made with notice.
At Team Wiseman, we’ll ensure everything is coordinated, so there are no surprises on closing day.
Welcome to the Team Wiseman Family!
Congratulations on your new property! At this point, you’ve officially joined the Team Wiseman Family, and we couldn’t be happier to celebrate this milestone with you. Remember, we’re here for you long after the sale—whether you need advice, referrals, or just a friendly check-in, you can count on us.
Your referral is the highest compliment we can receive, so if you know someone looking to buy or sell, we’d be honored to assist them. Thank you for choosing Team Wiseman Real Estate—your journey is just beginning!
