Buying A Home

TCS Services

Why Buy With Us? The Perfect Home At The Best Price

Buying a home is as simple as that. But getting there is not that straightforward. That’s why we work hard to create an authentic approach to real estate where buyers feel confident in the property that they choose.

We take away the unknown so that you can make well-informed decisions, stress-free. And we offer these services for free! As your partner, we promise to guide you through a buying experience that is easy, efficient, and transparent. Our agents are local experts. With them, you’ll gain important insights into the local markets, neighborhoods, and lifestyles that will simplify your decision-making and maximize your budget.

Home Buying Process

Our home buying process in 4 simple steps...

STEP 1
Get Pre-Approved For A Mortgage
You’ve made it, your offer was accepted! Now it’s time to complete your inspections and attend the closing. Your agent will be by your side while inspecting the home, checking that the conditions meet those outlined in the contract. This is done 24 hours prior to the closing so you have time to discuss any issues with the property. When the inspection is complete, we move to the closing step. A closing is a legal transfer of ownership of the property from the seller to you. An escrow officer will facilitate the transaction by preparing a HUD-1 Settlement Statement, a document that outlines all of the costs for both the buyer and the seller. Then, it’s official! It’s time to pop the champagne as you receive the keys to your new home.
STEP 2
Determine Your Offer Price And Terms
Once you’re ready to make an offer, we work hard to get you the best possible terms. With our experience and knowledge of local markets, our highly-skilled real estate agents help craft a reasonable offer and negotiate fiercely to close deals during bidding wars. We take a strategic approach by looking at various factors including the number of for-sale homes competing for your offer, the terms sellers look for in a clean offer, and any additional terms that a specific seller is most likely looking for when selling their home. You can trust us to always raise a red flag and alert you when we believe an offer is not right for you.
STEP 3
Submit Your Offer
A real estate purchase offer is a legally binding contract that a homebuyer uses to make a proposal on a property. This contract includes information about the purchase and your rights and obligations as homebuyer. You can expect this document to contain the offer price, the down payment amount, closing transaction dates, and when you are expected to complete the property inspection and appraisal. It also identifies your commitments as homebuyer including any escrow costs, real estate transfer taxes or any local point of sale ordinances. With the real estate purchase offer, your agent will be able to negotiate any counter-offers with the seller’s agent until you both reach a final agreement that works for you.
STEP 4
Close On Your Dream House
Once you’re ready to make an offer, we work hard to get you the best possible terms. With our experience and knowledge of local markets, our highly-skilled real estate agents help craft a reasonable offer and negotiate fiercely to close deals during bidding wars. We take a strategic approach by looking at various factors including the number of for-sale homes competing for your offer, the terms sellers look for in a clean offer, and any additional terms that a specific seller is most likely looking for when selling their home. You can trust us to always raise a red flag and alert you when we believe an offer is not right for you.

Find The Right Agent

Our mission is to help you reach your real estate goals, be it finding your dream house in a community where you and your family thrive, searching for the best investment property, or getting the highest return on your current home.

All our agents are local experts and know their markets inside out. From the best schools for your children to where the best grocery shopping deals are, count on our agents to walk you through your chosen neighborhood and reveal all its well-kept secrets.

And although emails are practical, nothing beats an honest in-person conversation. We prefer a personal approach to real estate where we take the time to meet you, get to know you, and listen to how you envision your dream home and dream life. With that information, we can move forward with intention.

Whether you’re first-time homebuyers or seeking your next property, we’re here to help. Let’s destress the whole buying process and get you a place that matches your vision of the perfect home.

Add Value To Your Investment Portfolio With Real Estate

Plan your mortgage

If you are not paying cash, you would need a mortgage to finance your home purchase. Be prepared before you look. Calculate your buying power.

Find a community you love

We are continuously connecting people with others that share beliefs and work together with our neighborhoods to build tight-knit, diverse and inclusive communities where people genuinely care about each other.

Win the bidding war

The market is hot right now. Helping over 1,500 families find their dream home in 2021, we are confident enough to say that we are experts when it comes to closing deals for our clients and getting them the perfect home at the best price.

Facilitate down payments

Wondering if you have a big enough down payment? Our agents will work with you so that you can qualify for more with less down. We’ll help you find the best programs from the State and Universities that will assist you.

Plan contingencies that protect you

Having no or little contingencies in your purchase offer can work against you when negotiating with a home seller. Other times, it becomes a negotiating tactic in a seller’s market. Trust our agents to consider every scenario when negotiating.

Relocate with ease

Minimize stress, overwhelm and relocation expenses. Moving to a new city can be overwhelming, but we take that stress away from you by helping you every step of the way and guiding you through the unknown.

Frequently Asked Questions

SEEKING MORTGAGE PRE-APPROVAL

When planning a mortgage, you have to consider many factors including your credit score, your income, your current monthly debts, and how much you have saved for down payment. It’s best to schedule an initial 15-minute phone call with a local lender to help you determine your purchasing power, how much you need for down payment and closing costs, and to see what you can expect for a monthly mortgage payment. You can also calculate your buying power by using our Mortgage Calculator.

A Pre-qualification gives you an estimate of what you can borrow while Pre-approvals give you what you actually can borrow. A Pre-qualification is a conversation with a lender which gives you a very preliminary idea of what you qualify for based on the information you provided to them. A lender will not run your credit for a pre-qualification, which only allows them to give you an estimate of your purchasing power. For a Pre-approval, a lender will run credit, collect income documents and complete a formal application. In addition, A Pre-approval is good for 120 days and will be needed to submit an offer on a home. To sum it up, if you are further than 4 months from your ideal move-in date, it might be best to obtain a Pre-qualification. If you are 3-4 months out from your ideal move-in date it would be best to complete the formal application, that is, a Pre-approval.

Generally, it is easier for foreigners to qualify for a US home loan if they are permanent residents with a green card or non-permanent residents with a valid work visa. The type of loan program, down payment and interest rate that a foreigner will qualify for, is dependent on the type of documentation they have. It is best to consult a local lender to see what is available for your unique scenario.

LOOKING FOR A NEW HOME

The biggest selling point of foreclosed homes is, of course, their extremely marked-down price. However, there are a few things you need to know about foreclosures. The most important one is that they are typically sold in “as-is” condition. This can mean hidden problems for you as the buyer. If you time it right and you’re willing to put in the effort, a foreclosed home can be a great deal, but it is important to have someone on your side to guide you through the process. Find a real estate agent that is familiar with foreclosure properties (like us!) who can guide you in buying and selling these types of homes.

With inventory still low, more and more people have been considering buying new construction. If this is something you’re interested in, we recommend hiring a buyer’s agent to help you research qualified, reputable builders and guide you through the inspection process. We can also help you determine which upgrades make sense for “resale” value and which do not, and which items will cost you less to do now rather than later down the road. Lastly, when you hire a buyer’s agent for a new construction home, we can help you understand what is included in the sale price, and what is not, so you can know what to expect after seeing a model home.

DETERMINING HOME PRICE AND TERMS

The biggest selling point of foreclosed homes is, of course, their extremely marked-down price. However, there are a few things you need to know about foreclosures. The most important one is that they are typically sold in “as-is” condition. This can mean hidden problems for you as the buyer. If you time it right and you’re willing to put in the effort, a foreclosed home can be a great deal, but it is important to have someone on your side to guide you through the process. Find a real estate agent that is familiar with foreclosure properties (like us!) who can guide you in buying and selling these types of homes.

With inventory still low, more and more people have been considering buying new construction. If this is something you’re interested in, we recommend hiring a buyer’s agent to help you research qualified, reputable builders and guide you through the inspection process. We can also help you determine which upgrades make sense for “resale” value and which do not, and which items will cost you less to do now rather than later down the road. Lastly, when you hire a buyer’s agent for a new construction home, we can help you understand what is included in the sale price, and what is not, so you can know what to expect after seeing a model home.

SUBMITTING AN OFFER

Homes typically appreciate year over year, with some neighborhoods and areas appreciating more than others. In the current market, there are a lot of buyers and there are limited homes. Therefore, there is a high demand for homes and very little inventory, which has made homes drastically appreciate over the last few years. The sellers could potentially have a higher offer or an offer with better terms (stronger down payment, more appealing closing date, waiving contingencies, and so on) on the table along with yours. However, with our agents, you will be equipped with the maximum support and expertise to get you the best deal.
Since PA is not an attorney state, an attorney is not needed. Your agent will help guide you through the process. However, it is always an option to obtain one to read over the agreement.

Yes, you can! The PAR agreement of sale is a standardized fillable document where your agent will input your offer specifics.

INSPECTING AND CLOSING YOUR NEW HOME

Closing costs are the fees that are needed to close and get keys for your new home> This includes the lender fees, transfer tax (1% paid by the buyer and 1% paid by the seller in PA), escrow fees such as your taxes, and homeowners insurance. Closing costs typically range from 2.5% – 3% of the purchase price of the home.

Home inspections are important when buying a home. As a future homeowner, you’ll want to find out everything you can that could be wrong with the home. Would you buy a car without test driving it or having a mechanic check it? A general home inspection is a must, but you can also select the termite/pest inspection, radon inspection, water inspection (if well water), septic inspection, stucco inspection, and lead paint inspection. As your agent, we will guide you through this process.

As a buyer, you are generally responsible for the deposit, inspection fees, appraisal costs, down payment, and closing costs.

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