❶ Purchase decision

For many people, purchasing a property is the biggest event in their lives. It's an exciting time filled with hopes and dreams, but it's also important to gather enough accurate information and create a solid financial plan that suits your lifestyle.

❷ Find an expert

It is important to get advice from a trusted real estate professional. A real estate agent will provide you with accurate advice on the purchasing process and important points to note. They will also support you in obtaining pre-approval for a mortgage. This pre-approval is an important step in which the loan company confirms your "affordability" and "repayment ability." When submitting an offer on a property, you will be required to submit this pre-approval letter.

❸ Start searching for a property

First, you will need to determine the approximate amount of loan you can borrow and your own funds (downpayment), and then organize your desired conditions (area, size, layout, age of the building). The agent will use various resources, such as the MLS (Multiple Listing Service, a database exclusively for real estate agents), to suggest properties that meet your conditions. We can also research properties you find yourself through an online search and explain the details to you.
You can search for properties on this website: sjunko.com

❹ Preview - On-site tour

If you find a property that interests you, we will show you the property in person.
Due to new real estate regulations across the United States, effective August 2024, we will require you to sign a Buyer Brokerage Representation Agreement (BBRA) before we can show you a property.
This contract is intended to clarify the agent's role, contract terms, and compensation structure in advance so that customers can proceed with their home purchase with peace of mind. The main contents are as follows:
-Contract period
-Cancellation conditions
-Handling of agent fees, etc. Please be sure to confirm the contents of this contract before signing it, and we will carefully explain any questions you may have in advance, so please do not worry.
This is an important step towards conducting highly transparent transactions.

❺ Property is decided - Submit an offer

Once you find the property you want, your agent will promptly submit an offer to purchase.
In real estate transactions in the United States, contract terms include not only the asking price but also various other conditions. We will propose the best terms for our clients, taking into account market conditions and the competitive situation.

Once the offer is accepted by the seller, the closing process begins. For conventional loans (Conventional, FHA, VA), it typically takes 30 to 45 days from offer acceptance to closing (official transfer of ownership). Cash loans take even less time.
During this period,
-Home Inspection
-Final loan approval
-Property Appraisal
-Final walk-through (final tour of the room)
Take important steps such as:

❺ Now, on to the new home!

Once all the conditions are met, escrow is complete, and the property registration is officially recorded, the keys will be handed over to you.
Moving to a new home and starting a new life.