Home Buying Tips

If you plan to finance your home, getting pre-approved for a mortgage is the first step. A pre-approval shows sellers you’re a serious buyer and helps focus your search on homes in Stillwater, OK that match your budget. Your lender will explain:

• Down payment requirements
• Closing costs
• Potential grant or down payment assistance programs
• Credit improvement plans (if needed)
   

Yes! Many homeowners use equity in their current home to finance their next purchase. This often involves a back-to-back closing. As a top Stillwater REALTOR®, Ann has guided dozens of clients through this process smoothly, ensuring both transactions close efficiently.

Focus on your priorities. Must-haves like layout, location, and essential features should take precedence over cosmetic items. Remember: paint can be changed and fences can be added—stay focused on what truly matters.

Timing is crucial in a competitive Stillwater real estate market. Ann is available after traditional business hours to help you act fast. Be ready to submit:

• Earnest money check
• Offer package 

With 322+ transactions and extensive negotiation experience, Ann gives buyers an edge to secure the right home at the best price.

Earnest money shows the seller you’re committed. Typically 1% of the purchase price, it’s held in the buyer’s broker trust account until closing and gives the seller confidence to move forward with your offer.

Ann will guide you through every step after your offer is accepted, including:

• Home inspection
• Appraisal and loan approval
• Negotiating repairs
• Insurance and survey coordination
• Attorney/title review 

Her clients consistently leave 5-star reviews on Google and Zillow for her guidance, knowledge, and attention to detail throughout closing.

Before moving, make arrangements for:

• Utility transfers (electric, gas, water, internet)
• Mailing address updates
• Moving day coordination
   

At closing, you’ll sign the final paperwork and officially become a homeowner. Bring:

• A state-issued photo ID
• Any required certified funds
  Expect the process to take approximately one hour.
   

Whether you’re buying your first home or your forever home, Ann Morgan, a top REALTOR® in Stillwater, provides expert guidance, personalized service, and proven strategies every step of the way. Contact Ann today to schedule a consultation and take the first step toward your new home.