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Step-By-Step Guide to Homebuying

To assist you as you embark on this exciting journey, we have developed a guide to provide you with an understanding of what to expect in the upcoming months. This step-by-step guide will outline the search, financing, design, and closing process along with tips and helpful checklists. Your new home is in reach!

DOWNLOAD HOMEBUYER’S GUIDE

 

THE BENEFITS OF AN AKEL HOME

YOUR HOME YOUR WAY: Our homes are designed for your lifestyle. Explore hundreds of options and features with the help of our trained design personnel.

ENERGY EFFICIENCY: Through the implementation of the newest construction techniques and the use of the highest quality building materials, Akel homes result in better comfort for your family, and lower utility bills. Save the planet and your wallet!

WIRED FOR THE 21ST CENTURY: New homes are pre-wired for the all of your needs: internet, cable, home security, flat screen TVs and surround sound. In fact, Akel offers smart home packages in select homes.

BUILDER WARRANTY: Akel Homes participates in the Homebuyers Warranty program. This provides you with a one year workmanship and materials, two year mechanical systems, and ten year structural warranty. The appliances in your home are also warrantied by the manufacturer.

LENDER AFFILIATIONS: Over the years, Akel Homes has built relationships with the leading mortgage companies to ensure our customers are provided with the most competitive financing terms available in the market.

 

 

 

WE RECOMMEND THAT YOU ASK YOURSELF THESE IMPORTANT QUESTIONS:

  1. Have you researched your desired location?
  2. What type of home fits your lifestyle – attached, detached, single-story or multi-story?
  3. What is the profile of the community amenities, schools, shopping and recreation?
  4. What type of amenities are important to you – clubhouse, pool, fitness center, trails and playgrounds?

 

 

 

BUDGETING & FINANCING

It is critical that you develop a budget in order to determine how much you will be able to afford. Review your budget in detail prior to meeting with a lender. The better you understand what you can afford, the more educated you will be during the mortgage discussion with your lender. Lenders typically review your income against your expenses along with your credit history when determining your loan amount.

 

 

 

THE CLOSING

 

BEFORE CLOSING: In the weeks prior to the closing, we will send a letter with the closing date. Additionally, around this time, your lender will lock in the interest rate on your mortgage. You will need to arrange for home owners insurance coverage and provide a copy of your policy.

CLOSING COSTS: Contact your lender and obtain an estimate of the closing costs. Closing costs are fees associated with closing a real estate transaction. They fall into several categories:

  • Lender Fees: Costs associated with the lender to close a mortgage loan.
  • Title Fees: Fees for the title or closing agent.
  • Escrow/Impounds: Money collected to pay for your taxes and insurance.

CLOSING DAY: At closing, you are required to bring your driver’s license, passport, or other government issued photo identification. You must also bring a cashier’s check in the amount of the funds needed to close the loan. The final amount of funds needed along with the instructions is provided to you by the closing agent. Carefully review the documents and disclosures and be sure to ask questions.

 

 

 

WELCOME HOME

You now own your new home! Now is the time to move in, decorate your home to your liking and build a lifetime of memories. All of the documents you receive should be organized and easily accessible in case you need to reference them.

Prior to moving in, refer to our Before Move-In & Move-In Checklist. It will help you remember everything that must be done prior to moving into your new home.

AKELCARE PROGRAM: After you move-in, it is our priority to ensure that your home exceeds your expectations. AkelCare is a multi-faceted customer care program that includes: your Limited Warranty, Home Care Manual, and Customer Satisfaction Surveys.