How does a real estate agent help their client buy a home?

You get the idea of how it all works: agent meets buyer, buyer meets home, dreams are made, and you get paid!

但是，当你放大这个过程，真正发生了什么? How does it all come together?

下面是购房过程的一步一步的纲要，可以帮助你完成这笔交易.

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Step 1: Getting a Pre-Approval Letter

Your client’s pre-approval letter is your ticket.

The pre-approval letter, also known as a prequalified letter, 确定购房者有资格获得多少抵押贷款.

This will determine your client’s price range. As an agent, 这是非常重要的信息，因为它将帮助您在下一步中缩小参数范围.

Step 2: Finding the Best Property

This is when the search begins. 为了为你的买家找到完美的家，你必须使用两个条件来缩小你的搜索范围.

第一个条件是，它必须符合客户的预算. 基于预先批准信，去MLS并搜索在预算之内的清单. 第二个条件是，您的客户可能会对它感兴趣.

一旦你找到5到6处房产，是时候把它们展示给你的客户了.

Step 3: Previewing Homes

与您的客户预览属性将给他们一个互动的机会，并看到自己在房子里. 要设置预览，请浏览您的房产列表，并联系房产商进行展示.

一旦你的客户在那里，观察他们对物业的反应是很重要的. Take note of every comment that they have. Whether it’d be something they like or dislike. This is valuable information.

在这里你可以看到房子是否适合他们的生活方式. 根据这些信息，你可以调整你的参数来找到完美的家.

这也让你的客户有机会了解房子的状况以及周围的环境.

Step 4: Making an Offer on a Home

Time for negotiation.

在你和你的客户找到完美的房子后，你必须为它出价. You will use the Residential Purchase Agreement (RPA) to pitch your offer. RPA是买卖双方就房屋价格达成一致的合同协议.

在加利福尼亚州，当出价时，RPA总是被使用. 所以，和你的客户讨论一下合适的报价应该是多少. 根据经济形势和房地产市场的情况，那个房子的合理报价是多少?

利用这个机会与你的客户协商并分享你的想法. You’re the real estate expert!

Step 5: Opening Escrow

When the offer is accepted – it’s a great day! Escrow opens and you’re off to the races.

Opening escrow starts the exchange of money. This is where money is deposited into an escrow account, inspections and appraisals start, and other payments are made. 托管公司把钱放在一个安全的地方，以确保卖家得到报酬，买家在交易结束时得到他们的房子.

Step 6: Inspections, Appraisals, and Disclosures

这是买房过程中最重要的步骤之一. The next step is for the homebuyer to do their inspections, lenders to perform appraisals, and to review the disclosures. 在加州，买家有17天的时间来完成这些任务，所以时间是至关重要的!

The buyer will hire the inspector, which you can recommend to them. 这将有助于在财产变成灾难之前识别问题. Property issues will also be noted in the disclosures.

In California, real estate agents are required to disclose defects on a property. But, sometimes, they go unnoticed. 这就是为什么雇佣一名检查员是至关重要的，以确保你的客户不会把钱投到一个不可靠的房子里.

此外，贷款公司将派一个估价师来评估房屋的财产. The buyer often finances the appraisal. By doing so, they will get an updated price on the property. Sometimes, the buyer might find out that the home is actually undervalued.

Step 7: The Final Walkthrough

一旦检查完成，评估完成，披露信息发送出去，是时候做一个了， final step: the final walkthrough!

这是你和你的客户确认房产状况良好的地方. 您希望您的客户签署验证财产条件(VP.)这份文件表明客户同意物业符合他们的标准.

始终将最终演练安排在事务的末尾. Here’s why:

The final walkthrough confirms the status of the property. 如果在检查之前进行了最后的演练, appraisals conducted, or disclosures are sent, 然后你的客户就可以在有不可预见问题的物业上签字.

最后的演练让买家在敲定交易时“开绿灯”. 这就是为什么你需要绝对确定该物业符合买家的偏好 before the final walkthrough.

Step 8: Moving Funds

This is the step where the bank gets involved. 银行将继续核实评估结果是否良好. 这就是银行现在把钱电汇给产权或托管公司的地方. Funding is a great day in the home buying process!

Step 9: Recording the Purchase

这里是政府宣布财产所有权已转移给你的委托人的地方. Congrats – the deal is done! 卖家拿到钱，买家拿到房子，你拿到佣金. It also signifies the end of escrow.

Step 10: Ask for Real Estate Referrals

菜鸟特工和专业特工的区别就在于这最后一步.

You helped your client buy their dream home, you made the process as easy as possible, and everyone had an incredible experience. At this point, emotions are high and the rewards are amazing.

The relationships you make in this career are your lifeline. 他们帮助你获得更多的业务，这样你就可以帮助别人，并从中获得报酬. 这就是为什么你应该经常要求别人推荐你，或者至少要求你做一次评估.

一个朋友的推荐是你获得下一个客户所需要的一切. If the client had a great experience with you, 然后他们就会毫不费力地把你推荐给他们认识的下一个买或卖房子的人.

Final Thoughts on the Home Buying Process

Working with homebuyers is an exciting experience. You help people’s dreams come true! With high stakes and high reward comes responsibility.

买房子的过程有很多步骤，很容易在这个过程中迷失方向或者做一些混乱的事情. That’s why this process exists. 它不仅会帮助你了解需要做什么和什么时候做, 但它也将帮助您确保为您的客户提供最佳质量的体验.

At the end of the day, isn’t that the goal?