Memphis Real Estate - JOE SPAKE
Memphis, Tennessee Homes and Condos - Downtown, Midtown, East Memphis, and Beyond-
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Welcome to MEMPHIS! 
and Welcome to spake.com!

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Direct    (901) 274-1847
Toll Free(877) 298-2303
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The Home Buying Process

If you have specific questions, call or e-mail me anytime.

 

Initial Consultation
   Determine your priorities and needs
   Review "agency" choices and select 
   appropriate working relationship
   Discuss Financing





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Obtaining Financing

   Find a Mortgage Company
Finding the Right Home
   Sales associate to show you properties 
      based on your criteria
   Evaluate each property with sales  
      associate
   Choose the right home		    Consult a loan officer
   Pre-qualification
   Complete loan application
   Obtain loan pre-approval
   Provide requested documentation

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Preparing an offer
   Review comparable sales to determine  
      offer price
   Review progress of loan pre-approval:
      decide on financing
   Decide on other terms (inspections,
      possession date, personal property, 
      etc.)
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Reaching an Agreement with a Seller
   Present your offer
   Negotiation of terms and possible  
     counteroffers
   Agreed-upon sales contract with seller

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Completing the Settlement Process
   Deposit of earnest money
   Review seller's property disclosures
   Review preliminary title report
   Roof, termite and other inspections
   Remove any remaining contingencies
   Arrange for homeowner's insurance
   Arrange for home warranty
   Arrange for movers
   Final walk-through of property with sales 
      associate
   Provide balance of down payment and 
      closing costs
   Sign documents
   Loan funding
   Recording of title
   Receive keys from sales associate
   Move in!















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    Property Appraisal
   Loan Processing
   Final loan approval

 

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 Joe Spake is a Tennessee licensed Real Estate Broker - Lic.# 00259388
 ©1997-2008 - Joe Spake.  Direct inquiries and comments to the Webmaster   click here for Privacy Statement

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Memphis Real Estate - Fine Homes and condos with Joe Spake, REALTOR                Memphis Real Estate Blog

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