Buying Roadmap

Chloe Chiang

I’m a full-service Realtor providing my clients with the highest level of customer service before, during and after the transactions.
  • Represent buyers, sellers, investors, landlords and renters
  • Knowledgeable in renovations and investment properties
  • Adept negotiator
  • Specializes in relocation

Pre-Contract Process


Get Pre Approved

When you speak to a lender you’ll learn the price range you qualify for, the amount of cash required for the down payment and how much your mortgage payments will be. Apply Now


Set Expectations

Set up a face to face meeting so we can discuss your property needs and how that relates to the current market conditions.


Preview Homes

You will receive emails from me and the MLS system with properties that fit your criteria.


Submit an Offer

Before you submit an offer I will provide you with a market analysis so you know the fair market value of the property. Once the offer is submitted, the seller will either accept, reject or counter your offer. Once both parties have agreed to the same terms, we will be officially under contract!

Post-Contract Process


Option Period

Also known as your Due Diligence Period. This is the time when you schedule an inspection. The Option Period gives a buyer the unrestricted right to terminate the contract within the first 5-7 days after the contract is executed (signed by both parties). If the buyer wants to back out of the deal within the option period, the buyer loses their option fee (usually $100-$250).

  • Earnest Money and Option fee due
  • Schedule an inspection (costs ~$350-550)
  • Negotiate repairs if needed
  • Review HOA Rules and Regulations (if applicable)

Financing Period

There are two parts: The Buyer Approval and Property Approval. Buyer Approval is obtained when you have satisfied the terms of the loan and all the lender’s requirements. If you don’t recieve buyer approval then you must terminate within your financing period to get your earnest money back. The length of the financing period is negotiable but typically 14-21 days from the executed contract date. Property Approval is obtained when the property has satisfied the lender’s underwriting requirements for the loan such as the appraisal, insurability and any lender required repairs. If Property Approval is not obtained, the Buyer can terminate before the closing date and the earnest money will be refunded.

  • Provide lender will all required loan documents
  • Lender will order the appraisal
  • Choose your homeowner’s insurance policy and home warranty company


You officially become a homeowner when the the property has “funded”- when all accounts have been processed and paid. You’ll meet at the Title Company and sign documents for about 45 minutes.

  • Preview the property before closing
  • Schedule a wire transfer for funds
  • Schedule change of address and utilities

Chloe Chiang

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