The Home Buying Process Explained

Sign the Exclusive Buyer Purchase Agency Agreement

Under this agreement you are not obligated to purchase anything, it only states that you will use Crisafulli Associates, LLC exclusively to search for your home in the Capital Region.

Download Exclusive Buyer Agreement

Get Pre-qualified for a Mortgage

Already pre-qualified? Great, your ahead of the game, if not we will need to get you prequalified for a mortgage so we can begin your home search. The prequalification process will help us determine up to what price range we should look in. A pre-qualification letter will be necessary for us to make offers. The letter will show the sellers that you are in fact qualified to purchase their home. We work with several first class mortgage brokers and banks that we will be able to refer you to get this done.

Typical Information Needed by the Bank or Mortgage Broker for the Submission of your Mortgage Application:

  • One Months’ most recent paystubs
  • Two years of most recent W2s
  • One month's most recent bank statements for asset accounts
  • Photo ID

Self-employed borrowers:

  • Two years most recent tax returns with all schedules, both personal and business

Receiving gift funds:

  • Gift letter, deposit slip and canceled check from donor

Borrowers selling a current residence:

  • Contract of sale for the property you are selling

*Since each borrower's circumstances are unique, other documentation may be requested.

Narrow Your Search, Begin Looking

After we determine what your needs are we will begin sending you listings via email, you can decide if the home will work for you or not. After identifying several properties that you like we will set up appointments to visit them.

Making an Offer

Once a home has been chosen we will draft up the offer and negotiate for you the best possible price and terms. After the offer has been accepted the attorneys for both you and the seller will review the contracts to determine that they are in the best interest of their client.

Inspections

When an agreement has been reached we will coordinate for you all of the necessary inspections on the house to determine that it is structurally sound. The inspector will identify any current or potential major problems that could arise down the road with the house.

Closing

When all of the above has been completed you will be ready to close and move into your new home.

Take our Home Search Questionnare or Call Us at (518) 464-9782 to get started!