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Before you find the house you absolutely want, prepare your offer strategy. Get fully prepared with your lender Know your: Maximum comfortable payment Approved loan amount Down payment Estimated closing costs Cash available Loan limitations Understand your buyer brokerage agreement Know how representation and compensation work before an offer is on the table. Decide your risk boundaries Determine in advance how you feel about inspections, appraisal issues, earnest money, and other negotiations. Know your maximum for the house If competition develops, decide based on your finances and the property's value to you—not simply the fear of losing. Have your agent explain the agreement before there is pressure The worst time to learn a purchase agreement is when another buyer's offer is due in 30 minutes. Review the process beforehand so that when the right Tacoma home appears, you can make decisions confidently and efficiently. Before you buy a home, schedule a Tacoma buyer strategy consultation to review the purchase agreement, financing, current market conditions, and how to structure an offer before you find the home you want. Send us a DM!

When financing is involved, the lender may require an appraisal. A lower-than-expected appraisal can affect the amount the lender is willing to finance. What happens next depends on your financing, contract terms, available cash, and negotiations with the seller. Potential outcomes can include: Moving forward as agreed Buyer contributing additional cash Seller adjusting the price Parties negotiating a different solution Exercising an applicable contractual right if one exists Do not assume you can simply cancel because an appraisal comes in low. Ask your agent and lender to explain before you make the offer what your contract and loan structure would mean in that situation. Before you buy a home, schedule a Tacoma buyer strategy consultation to review the purchase agreement, financing, current market conditions, and how to structure an offer before you find the home you want. Send us a DM!

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If you are obtaining a mortgage, financing is another critical part of your offer. We highly recommend considering a financing contingency so buyers understand what happens if they cannot obtain the necessary financing. Before writing an offer, coordinate with your lender. Ask: Is my pre-approval current? Has the lender reviewed my income and assets? What loan program are we using? What down payment are we showing? Can the lender meet the proposed closing timeline? Are there property characteristics that could create financing problems? How could a low appraisal affect the loan? What happens if interest rates or my financial circumstances change? Your agent handles the real estate contract strategy. Your lender handles the financing. Those two sides should be coordinated before the offer is submitted, not after you have already agreed to deadlines. Before you buy a home, schedule a Tacoma buyer strategy consultation to review the purchase agreement, financing, current market conditions, and how to structure an offer before you find the home you want. Send us a DM!

A buyer may structure an offer that asks the seller to contribute toward allowable buyer closing expenses. This can be valuable when preserving cash is more important to you than achieving the lowest possible purchase price. For example, compare: Option A Lower purchase price with no seller credit. Option B Higher purchase price with a seller contribution toward allowable closing costs. Option B could potentially reduce the amount of cash you need at closing, subject to your lender's rules and the seller's willingness to agree. But seller credits are part of the negotiation. A seller evaluating two offers will look at the financial result and overall terms, not simply the number written as the purchase price. Before requesting a credit, ask your lender exactly how much you can use and what expenses it can cover. Before you buy a home, schedule a Tacoma buyer strategy consultation to review the purchase agreement, financing, current market conditions, and how to structure an offer before you find the home you want. Send us a DM!

The fastest way to estimate it is to gather five numbers: Realistic current market value Current mortgage and other loan balances Estimated REET Your negotiated selling expenses Any likely credits, repairs, or other deductions This can be especially useful if your decision to sell depends on having enough proceeds for: Your next down payment Paying off other debt Relocation expenses Retirement Purchasing without a large mortgage Moving before selling Buying and selling simultaneously Before selling your Tacoma home, request a personalized Tacoma home-valuation and seller net-proceeds analysis showing estimated take-home proceeds at multiple possible sale prices. Claim yours! Send us a DM

Look at relevant recent sales, active competition, pending listings where information is available, condition, updates, lot characteristics, location, and features buyers are currently paying for. Before selling your Tacoma home, request a personalized Tacoma home-valuation and seller net-proceeds analysis showing estimated take-home proceeds at multiple possible sale prices. Claim yours! Send us a DM

For most buyers, the inspection decision deserves significant attention. We highly recommend considering a satisfactory inspection contingency because an inspection may uncover serious defects and the contract terms can affect your ability to proceed, renegotiate, or terminate. Depending on the property and your agreement, inspection-related due diligence might involve the home's: Roof Foundation Electrical system Plumbing Heating and cooling systems Attic and crawlspace Moisture conditions Exterior Appliances Drainage Other systems or conditions Additional specialized evaluations may make sense depending on the home. Before you buy a home, schedule a Tacoma buyer strategy consultation to review the purchase agreement, financing, current market conditions, and how to structure an offer before you find the home you want. Send us a DM!