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Finding a home and making an offer

Stair Case

In earlier posts we discussed finding the right lender and realtor. Now it is time to move on to the most exciting and sometimes nerve racking part of the home buying process. It is time to search for that home of your dreams and make an offer.

Before hopping into the car with your realtor and looking at anything in the area we find it very helpful to put together a needs list. It will be helpful for you and whoever else may be moving with you to put your needs down on paper and then track how each home you view meets those needs. This is very similar to a “Pros” and “Cons” sheet that many of us do for all decisions.

First write down your basic needs to help you and your realtor filter many of the options out of the initial viewing process.

These are things such as price range, city or town specifics, rural, urban or suburban options, and school district preferences. After that discuss more specific info such as square footage, number of beds and baths, yard type, garage and storage needs and other type amenities.

Finally decide on your timeline and get out there to see as much as possible.

As you see the homes keep track of what preferences are available in each home and which are not.

Once you find the perfect home, meet your realtor and write an offer. You and your realtor should determine the price to offer, who pays what costs, closing dates and several other items that your realtor should help you navigate. You will then present this offer to the seller, possibly have some counter offer and acceptance rounds and once all is agreed upon a purchase agreement will be signed by both parties.  Congratulations!

Meet Johnny Iniguez with ING Mortgage Corp
Founder and principal of ING Mortgage Corp.
Johnny is no stranger to the real estate industry or entrepreneurship. Born in Ecuador, Brother of 6 siblings. Graduating from Berkely college in 1998 with a degree in business management and graduating from Bloomfield College in 2003 with a degree in finance. At Bloomfield college, Johnny was a resident advisor and a NCAA soccer player and the first sibling in the family to graduate from college with a full scholarship.

A longtime Mortgage Consultant success, Johnny has had a diverse client range from first time home buyers to the Presidents and CEOs of Fortune 500 companies working for Bank of America, Citibank and Morgan Stanley in the Private lending High-end net worth.
Broker owner of ING Mortgage Corp and licensed in the States of New Jersey and Florida. Johnny has over 20 years of experience and the knowledge to open all the right doors for you as your trusted confidant and Senior Mortgage Loan Consultant and as a Real Estate Sales agent.
Johnny has worked for the Private Wealth Management at Morgan Stanley, Citibank, Bank of America, Merrill Lynch, & many other financial institutions. With over 20 years of experience as a Senior Mortgage Loan Consultant, Johnny brings with him keen knowledge of the real estate and mortgage industry, poised to assist you with the most important decisions you will make when buying, selling and/or refinancing your home.

Whether you are buying, selling, or refinancing, Johnny’s priority when meeting a new client is to find out how he can "BEST" help you in a mortgage or real estate transaction. Johnny has mastered the unique skill of "listening" which helps him gain a precise insight of how to best assist you to meet your Real Estate and Mortgage needs and goals.
You can reach Johnny at any time for any questions or concerns at 201-736-9180
Johnny Iniguez
Broker/owner of ING mortgage corp.

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