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Home Buying Process Step 5: The offer
Part 1:  Contact a mortgage broker. 
Part 2:  Determine a budget. 
Part 3:  Decide what features you want in your home. 
Part 4:  Looking at homes. 
Part 5
The Offer
Now you've finally found the home of your dreams and you are ready to make an offer.  This is the part where your agent will be really essential.  First of all, it's important for the agent to look at all the comparative sales in the area.  This will help you determine what you want to offer for the home.  At this point you need to determine not just the offering price but also whether you want to request seller credit for closing costs, etc. 
The other thing you need to determine is what contingencies are going to be placed on the offer.  I ALWAYS recommend a buyer have a home inspection contingency.  Even if the home is listed, as-is, it is still important for the buyer to know what they are getting and to be able to have the option to walk away from the home.  Depending on the situation there may be other contingencies that need to be included.  These might include sale of previous home, mold inspection, lead ... more

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