Home Buying Process
Buying your first home here in the Poughkeepsie area is exciting, scary, intimidating and rewarding…
…. all at the same time. The good news is… There is a PROCESS for buying a home in Dutchess County that I can help you with!
Here are the steps to your first home!
STEP 1: Consult with a lender.
to assess your credit and finances. It is 
highly recommended that you get pre-approved by a lender before selecting a home to purchase. This puts you in the driver’s seat.
You’ll not only have the comfort of knowing the right price range for your pocketbook, but when you are ready to make an offer on your dream home, you’ll be able to show the seller that you are qualified and ready to buy.
STEP 2: Select a REALTOR.
Randy Rutan of RE/MAX Realty Center is a licensed Associate Broker and an Accredited Buyer’s Representative. Randy brings 20+ years of experience and a proven track record PLUS she has completed specialized training in delivering the best in buyer-representation services.
Contact Randy for a Homebuyer’s Consultation.
During the consultation you’ll receive a copy of her Homebuyer’s Workbook, and you’ll work together to:
- Identify your housing wants and needs.
- Enter your home search criteria into my computerized home search program.
- Print out the listings for available properties that might meet your needs so that you can drive by and check them out.
- Register you for Daily Email Updates for homes in Dutchess County so that you will be notified whenever something new comes on the market.
- Review the New York State Real Estate Forms. You can view Real Estate Forms here.
STEP 3: HOME SHOPPING!
Have Randy make appointments for you to View Poughkeepsie Properties you’ve selected and Find the RIGHT home!
Each time out Randy will provide you with a Buyer’s Tour Book complete with data about each property we view, maps and a property comparison sheet.
STEP 4: Write, Present and Negotiate an Offer to Purchase.
Click Here to view the Purchase Offer Form.
From the time the offer to purchase is negotiated and accepted by the Seller, it will take approximately 60+ days to get to the closing table.
Be careful not to say goodbye to your landlord too soon!
STEP 5: Perform the Home Inspection.
STEP 6: Make your official Mortgage Application.
STEP 7: Hire an Attorney / Sign Contracts.
STEP 8: Behind the scenes work:
Bank Appraisal, Title Search, Home Owner’s Insurance.
STEP 9: File Cleared to Close and Final Walk Through
STEP 10: CLOSING AND MOVE
I will be with you all the way HOME! I have a list of highly regarded lenders, inspectors and attorneys I can recommend to you.
I consider them part of the team. It is important to me that you feel cared for, and that the process is clear to you each step of the way.
As an Accredited Buyer’s Representative, I will assist you by providing information about the area. I will give you market data so that you can evaluate and compare the properties you are considering.
I will help you structure your offer to purchase and handle the negotiations on your behalf. As your advocate, your wants and needs will be most important to me.
