Buyer Basics

Determine your budget:

• Calculate how much you can realistically afford. Consider your income, debt, and monthly expenses.

• Get pre-approved for a mortgage. Ligas & Co. will supply you a list of reputable lenders. Regardless of who you choose, you will gain a clear understanding of how much a lender is willing to loan you.

Save for a down payment and closing costs:

• Down payments can vary, but aim for a comfortable amount. Talk to us to discuss different possibilities

• Factor in closing costs, which typically range from 2% to 5% of the purchase price. Closing on a home is more than a down payment and a mortgage. Talk to us to learn more about Cash to Close.

Check your credit score:

• A good credit score is essential for securing a favorable mortgage rate.

• Address any errors or issues on your credit report. Ask us about credit repairing programs offered by our partners.

Define your needs and wants:

• Ligas & Co. challenge you to think about your preferred lifestyle, family size, and preferred location.

• We also love you to have an idea of must-haves and nice-to-haves in a home.

Hiring Ligas & Co.:

• Ligas & Co. will guide you through the process, negotiate on your behalf, and provide valuable insights into the local market.

• Ask Ligas & Co. about local insights in the areas where you wish to buy in.

Start your home search:

• Setting up a customizable and personalized search.

• Be patient and persistent; finding the right home may take time. Take time to ask us questions.

Make an offer:

• Work with Ligas & Co. to determine a competitive offer based on market conditions and the property's value.

• Ligas & Co’s unparalleled negotiate skills have your goals top of mind. You can rest assured that we are fighting for you.

Conduct a home inspection:

• Ligas & Co. have a plethora of different types of professional inspectors that can identify any potential issues with the property.

• Ligas & Co will work with you to guide and advise you throughout the inspection process.

Secure your mortgage:

• Ligas & Co. work with top rated lenders that will answer any question, provide 5-star service, and guide you through the lending process with the same commitment we give our clients.

Close the deal:

• Attending the closing meeting, sign the necessary paperwork, and receive the keys to your new home.

• We work and you Celebrate! We promise to be a trusted partner long after you close. This is a commitment to continue to serve you and our community in any way possible.