Buying a Home

Purchasing a home with Ashley Lay Real Estate

When you work with a member of Ashley Lay Real Estate, you can expect concierge service from the beginning to the end of your home purchase process. Our team is passionate about ensuring that our buyers are educated on the purchase process so they can buy with confidence knowing that Ashley Lay Real Estate helped them make the right choice for their future. Are you interested in learning more about purchasing a home with Ashley Lay Real Estate?

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The Homebuying Process

Find a Realtor

A real estate agent can help you find properties that meet your needs and guide you through the buying process. That’s where Ashley Lay Real Estate’s team of skilled professionals are ready to help. We handle first-time home buyers, downsizers, relocation specific needs, and a host of other residential real estate purchasing needs. 


Communicate Your Financing Option and Gain Financing Approval

Before you begin looking at properties, it's a good idea to get pre-approved for a mortgage. This will give you an idea of how much you can afford and make it easier to move forward with the buying process. We recommend connecting with one of our preferred lenders to make sure you have the best loan product and interest rate possible. 


Go on the House Hunt

With the help of your Realtor, you can begin looking at properties that meet your needs and budget. Our agents will guide you through your wants and needs in this process. 

Make an Offer and Negotiate

Once you find a property you're interested in, you can make an offer to the seller. Your Realtor can help you negotiate the terms of the sale, including the purchase price, closing costs, and other contingencies.

Inspections & Repairs

After your offer is accepted, you'll need to have the property inspected to make sure there are no major issues. Depending on the results of the inspection, you may need to negotiate with the seller to have repairs made before the sale is final.

The Mortgage Process

Once the inspection process is over, you will need to finalize your mortgage. You will need to provide the lender with a variety of required documentation (proof of income and employment, e.g.), as well as proof of homeowners insurance.


Closing, Recording, and Moving

Once the mortgage process is complete, the sale can be closed. This is when the title to the property is transferred to you and the sale is recorded with the local government. Once the sale is recorded, you can move into your new home.


What is the due diligence period?

The due diligence period is a set amount of time after you've made an offer on a home when you are able to do your homework and make sure everything is in order before committing to the purchase.


During due diligence, you will have a home inspection to check for any major issues with the property, as well as review the seller's disclosure statement, title report and HOA documents. Doing so should provide some insight into any known problems with the home, lien issues that could affect ownership, or HOA restrictions that might not appeal to you.


The Ashley Lay Real Estate team is excited to walk you through this process and ensure that you are making the best decision about your home purchase.