WHO ARE THEY?

You don't have to know everything before you buy.

You simply need the right people around you.

The right professionals don't just help you buy a house-they help protect your investment and your peace of mind.

Here are who some of the people you need & an explanation of what they do:

Real Estate Agent (Most Important)

Your guide through the entire process.

Lender /

Mortgage Broker

They determine how much you can afford and what loan options you qualify for.

Home Inspector

They evaluate the condition of the home before you buy it.

Insurance Agent

They estimate your homeowner's insurance cost.

Ask:

•   What will insurance cost for this home?
•   Are there flood, wind, or storm requirements?
•   What coverage do you need for the loan type?

Closing

Attorney / Title

Company

They handle legal ownership transfer and closing documents.

Ask:

• What fees should I expect at closing?

•   How long does the closing process take?
•   What could delay closing?

HOA

Representative (If

Applicable)

If the home is in an HOA community.

Ask:

• What are monthly fees?

•   What rules or restrictions exist?
•   Are there upcoming assessments or increases?