Simplify

Your Mortgage Decisions

Use our intuitive calculator to explore your purchase or refinance options.
More than just numbers, we offer expert guidance every step of the way.
Ready for personalized support? Reach out for a consultation to discuss your specific needs.

Your Real Estate and Mortgage Goals,

Clearly Understood.

Leveraging my extensive experience in both sectors, I ask the insightful questions that lead to truly understanding your objectives. Whether you're purchasing or refinancing, I'll analyze your situation and craft personalized solutions. Let's start the conversation – click the button below.

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Our

Home Buying
Process

We guide you through every step of the home buying process—from determining your budget and connecting with a trusted agent to securing pre-approval and navigating closing. Our experienced team is here to ensure a smooth and confident journey to homeownership. Contact us today to get started.

Determine Your Budget

Before you even start looking at homes for sale, it's important to determine your needs and budget. Than start saving up for that down payment.

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Connect With An Agent

Start house hunting! An agent knows your market and works with you to find your dream home on your budget. When you find your perfect home, present the seller a purchase contract with all the details.

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Get Pre-Approved

Before you even start looking at homes for sale, it's important to determine your needs and budget. Than start saving up for that down payment.

Learn More

Closing

Once the offer's is accepted, the home needs to be appraised. Next, underwriters check over the financials check over the financials before clearing you to close. Then it's time to sign and move in.

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Mortgage Calculator

Estimate your monthly payment and see how much house you can afford.

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Step 1.

Smart Planning Begins with Smart Budgeting

At The Razi Group, we believe that a successful home-buying journey begins with a well-thought-out budget. Whether you're a first-time buyer or an experienced homeowner looking for a change, we're here to provide the necessary guidance to help you navigate your financial path to homeownership.

Understanding Your Financial Status

Before we dive into house-hunting, it's crucial to understand your current financial situation. This includes knowing your income, your monthly expenses, and your credit score. These factors determine how much mortgage you can afford and how favorable your loan terms will be.

Start Saving For Your Down Payment

Down payment is a key component of your home buying process. The amount you save for this can significantly impact your mortgage rate, monthly payments, and the amount of house you can afford.

Creating A Home-Buying Budget

With a clear understanding of your financial standing and an effective saving strategy, we can now create a comprehensive home-buying budget. This budget will factor in not only your mortgage payments but also additional costs such as home insurance, property taxes, and maintenance

Step 2.

Role of a Real Estate Agent

Real estate agents are licensed professionals who represent buyers and sellers in real estate transactions. They perform a variety of duties, depending on who they represent.

Real Estate Agents for Buyers

For buyers, agents are explorers, hunting for homes that match your wishlist. They analyze market trends and property values, schedule showings, and negotiate with sellers to secure the best possible price. They're your advocate, ensuring that your interests are at the forefront of every decision.

Real Estate Agents for Sellers

For sellers, agents are skilled marketers and negotiators. They help determine a fair market price for your property, stage your home for appeal, list it on multiple platforms, and negotiate with potential buyers. Their objective is to sell your property promptly and at the highest possible price.

Connect With An Agent

Step 3.

What Is Pre-Approval

Pre-approval is a lender's conditional commitment to grant you a specific mortgage amount, based on a preliminary review of your creditworthiness. The process involves a thorough check of your financial situation, including your credit score, income, employments and debts.

STRENGHTENS YOUR BUYING POSITION

A pre-approval letter communicates to sellers and real estate agents that you're a serious and capable buyer. It shows that a lender is ready to back your offer, making you more attractive in competitive markets. This can give you an edge in bidding wars and speed up the buying process.

REFINES YOUR HOME SEARCH

Knowing your pre-approved mortgage amount helps you focus your home search on properties within your budget. It prevents the heartbreak of falling in love with a home only to find out it's out of your price range. With pre-approval, you can shop with confidence, knowing exactly what you can afford.

Prepares You Financially

The pre-approval process gives you a clear understanding of your financial position, including any credit issues you need to address. It helps you prepare for the costs associated with buying a home, including down payments, closing costs, and ongoing homeowner expenses.

Locks in Your Interest Rate

Some lenders offer a rate lock with pre-approval, protecting you from rising interest rates for a certain period. This can provide peace of mind and certainty in your budgeting as you know what your potential mortgage payment would be.

Step 4.

From Offer Accepted to Keys in Hand

At The Razi Group, we believe knowledge is power. The more you understand about the home buying process, the more confident and empowered you'll feel. After your offer on a home is accepted, several steps follow before you can finally call it yours.

Contingencies

A contingency is a condition that must be met for a real estate contract to become binding. Common contingencies include home inspections, financing, and appraisal. They offer protection to buyers, allowing you to renegotiate or even walk away from a deal if certain conditions aren't met without losing your earnest money deposit.

Appraisal

Once contingencies are met, the home is appraised. An appraisal is a professional evaluation of the property’s market value, conducted by an independent appraiser. This step is crucial as it ensures you and your lender are not paying more than the property is worth. If the home appraises for less than your offer, you may need to renegotiate the price or make up the difference.

Underwriting

The next step is underwriting, where your lender verifies your financial information and the appraisal details to ensure the loan amount is appropriate. Underwriters review your credit score, income, employment history, and the property details. This stage can take a few days to a few weeks. Once everything checks out, you'll receive a "clear to close," meaning your loan is approved.

Closing

Closing, also known as settlement, is the final step in the home buying process. During closing, all parties involved in the transaction meet to sign paperwork, and ownership of the property is transferred from the seller to you. You'll also pay your down payment and closing costs at this time. Once all documents are signed and funds are disbursed, you'll receive the keys to your new home.

Moving

Now it's time to celebrate! You've officially completed the home buying process. You can start moving into your new home and begin the exciting journey of making it your own.
Remember, while these steps are generally what you can expect, every home buying journey is unique. Having a trusted mortgage partner like Impact Mortgage Group by your side can make navigating these steps smoother and less stressful.

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Comprehensive Real Estate & Financial Services

Property, Mortgage &
Retirement Solutions

We offer a wide range of services designed to support your real estate and financial goals. Whether you're buying, selling, or managing property, securing the right mortgage, protecting your assets, or planning for the future, our experienced team is here to help. Contact us today to learn more and get the expert guidance you need.

Real Estate Services

Your Trusted Partner in Real Estate:
Buying, Selling, Investing, or Relocating?
We provide the expert guidance to make your experience seamless.
Our goal is your success – let us help you make informed decisions and achieve your real estate goals.
Reach out to discuss your needs!

Mortgage Services

Take the First Step Towards Your Purchase or Refinance Loan Approval.
Discover tailored mortgage solutions built around your needs, making the process straightforward and stress-free.
Get in touch today for personalized mortgage guidance and loan products designed specifically for you.

Insurance Services

Your Property Deserves the Right Protection.
Whether it's your family home or your thriving business, we offer personalized residential and commercial insurance solutions to safeguard what matters most.
Reach out for expert advice and coverage tailored to your specific needs.

Financial Services

Comprehensive Financial Security:
Life Insurance with Living Benefits, Mortgage Insurance, and Tax-Free Retirement Policies.
Get in touch today for a personalized consultation and discover how our tailored products designed to protect what matters most.

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Loan Application Form

We specialize in providing flexible and competitive financing options for your real estate needs. Whether you’re buying your first home, investing in rental properties, or refinancing your existing mortgage, we’ve got you covered.

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Ready to take

The next step?

Whether you're purchasing or refinancing, We'll analyze your situation and craft personalized solutions. Let's start the conversation – click the button below.

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