Buy a home without all the stress!

Start Living Your Dream Today. Buy a Home with the Willamette Valley Real Estate Team.

While the process to buy a home can seem intimidating, once you know what to expect it’s actually pretty simple. Knowing what to expect before you begin the process will lessen some of the anxiety associated with the home buying process. You can rely on our real estate agents to help and educate you should any issues come up during the process.

Get started today, fill out our buyer questionaire!

Buy a Home the Stress Free Way!

In order to ensure your success in finding the perfect abode, we have crafted this short guide to help you get started.

Step 1

Check your Credit

Before you decide to buy a home, or even contact a lender or an agent, it’s smart to check your credit report to see what your options are. You can get one free credit report a year, and this will determine what the interest rate on your mortgage will be, along with what kind of loans you can apply for. A good rule of thumb is that a good credit score is 720 or above, while the minimum to secure a loan through FHA is 580 or over.

Step 2

Decide on a Budget

It is important to find out how much you are willing to pay to buy a home. Make sure to include mortgage payments into your budgeting, because even if you qualify for an expensive house you will probably not want that high a payment for the long term. Doing things like using a mortgage affordability calculator and researching the housing market so that you can think of a concrete number that will be affordable for you.

Step 3

Find a Real Estate Agent

When you’re looking to buy a home, it’s crucial that you have complete trust in your real estate agent, as they will serve as your primary guide and support throughout the entire home buying journey. To ensure you’re working with someone who is reliable and trustworthy, it’s a good idea to check out online reviews. Additionally, you can reach out to friends and family for their recommendations. It’s beneficial to gather a list and interview a few potential agents. This will help you identify the agent who aligns best with your needs and preferences.

Step 4

Get Pre-Approved

Getting pre-approved for a loan to buy a home could make you more likely to get your offer accepted down the line. In pre-approval, a lender will pull your credit information and then give you a letter stating how much they would be willing to lend you. This gives the sellers some confidence in you because they know for sure that you will be able to afford their home.

Step 5

Start Looking at Homes

By now, since you’ve done all of your financial prep and talked to an agent, you probably have a pretty good idea of what kind of house you would like and in what area. Your agent can also help you greatly here, as they will have a good knowledge of properties coming on the market and homes like the ones you are looking for.

Step 6

Make an Offer

Once you’ve found a home that you are excited about, your agent will help you decide on an offer based on the listing price of the property. Your agent will understand how to craft your offer, based on the current market, whether there will need to be contingencies, or whether you need an inspection.

Step 7

Home Inspection

When you’re looking to buy a home, the inspection day is significant. If the inspector discovers any hidden issues, you can discuss these with the seller, potentially adjusting your offer. Additionally, this is a good opportunity to take measurements inside the house since it’ll be your last chance to do so before the final purchase.

Step 8

Get Insurance and Utilities

If you have owned a home already, you will only have to call your insurance agent and let them know you’re buying a new home. But, if this is your first home, you will need to get homeowner’s insurance. Lenders require insurance, and it is a critical part of protecting your investment. You will also want to make sure you have utilities set up for your move-in date, because you will not want to arrive, ready to move in, only to find that you have no electricity.

Step 9

Close on Your Home

When you’re ready to buy a home, think of the closing day as the big finale! It’s when you’ll sign all the papers making the house officially yours. Having your agent with you is like having a trusty sidekick; they’ll ensure everything’s cool and goes off without a hitch. It’s always good to double-check things, right?

Step 10

Move In!

Congrats, you’ve made it to step 10 – the home stretch! When you buy a home, there’s a special date in your contract that tells you when you can move in. Once that day rolls around, it’s time to turn that house into your very own cozy space. High five!

Want to Buy a Home? Contact Our Agents Today!

Our team is ready to help you buy a home. Contact us and we can get started today!

Willamette Valley Real Estate Team

(971) 237-9674

[email protected]

Homes for Sale in Willamette Valley

Real Estate Communities We Serve

Recent Customer Reviews

5 Over 40 Reviews

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Kristen Marahrens 1 year ago

Jon and his entire team at willamette Valley Real Estate are professional caring and will put your needs first! They go above and beyond to make you feel like family! Thanks for all you do for our community! #awesome #yamhillcounty #bestrealestateever

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Dana Melendez 2 year ago

I appreciate the entire team for their caring and yet professional approach. Jon was great! He was open and honest and helped me through what could have been a daunting process. I had never bought a house before, little on sell one, but Jon helped me through the process of selling my step father’s home after he passed. Jon, and his team- shout out to Anna B-Great job!- helped me through some ups and downs, like buyers pulling out at the last minute, or a leaking roof and subsequent repairs, all while I was in a different state. I really appreciated Jon’s honesty and transparency throughout the entire proceedings. He definitely made a trying time more manageable. Thanks

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Diann Marten 1 year ago

Anna and Jon responded to our every need. They were always available for questions and helped us find the perfect home!

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Cynthia Upchurch Lewis 1 year ago

Great team who cares about their clients.

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Sean Carstensen 1 year ago

Anna was on top of her game from the start with us. We are so happy with the service she provided on a very short moving window. Thanks Anna!

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Stephen Fouch 7 months ago

My wife and I bought our first house using this team. They were absolutely fantastic and easy to work with! They made the whole process fun and pain free, while remaining very flexible with us. Cannot recommend them enough!

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Steven James Zimmerman 1 year ago

Great team to work with. If you need to sell or buy this team is amazing to work with.

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Sean Carstensen 1 year ago

Anna was on top of her game from the start with us. We are so happy with the service she provided on a very short moving window. Thanks Anna!

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Angie McE 1 year ago

You can’t ask for a better realtor than Jake Hemstreet. Jake makes you feel like family, he’ll go the extra mile for you. In fact, he once helped carry a piano down a flight of stairs for my mother-in-law and get it safely relocated to her new home! A real class act!

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Sean and Sarah Carstensen 5 months ago

We moved to McMinnville from a different area and Anna/Willamette Valley Real Estate Team was and continues to be a fantastic realtor to work with as we transition to our new town. Throughout the process, Anna provided clear and consistent communication to us and was very helpful in answering all of our questions. Buying a home can be quite cumbersome, but we felt more confident going through the process with Anna and her team on our side. We had some glitches in part of the closing process due to inclement winter weather (causing us not to physically be present for a final home walkthrough), but Anna made sure to FaceTime us and take us through with the builder and advocate on any issues on our behalf. We highly recommended Anna and her team for all your real estate needs!

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Sean and Sarah Carstensen 1 year ago

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Sharon Dianne Champagne 1 year ago

This team is top notch! They take great care in their clients well being throughout the transaction. I would be honored to work with them again!

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chris vogel 1 year ago

Jon did an outstanding job selling a home in a challenging market. Interest rates were up, sales were down and yet he got the job done. Stayed in top of showings and marketing and helped navigate a win-win for all. He went above and beyond getting the home "show" ready. Highly recommend if you want someone who is 100% on your team.

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Katherine Gorretta 1 year ago

Jon and his team have represented us in several real estate transactions. They can get complicated but this team handles every twist as if it happens all the time. You can feel confident that you are in good hands! Just relax and enjoy your new home.

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Sheila Lopez-Bergmann 2 year ago

Jon and his team were available for every nit-picky question I had. Honest answers and thoughtful insight. They did an fantastic job of marketing and selling my house. Wow, it was a quick and flawless process because they did all of the work. I HIGHLY recommend Jon and his team for any real estate needs you have. Seriously, call them.

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Christie Maben 1 year ago

Top notch team that takes care of their clients

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Andrew Monagon 2 year ago

Jake makes it happen! I needed results and someone to go up to bat for me, to make this impossible deal happen. He did not mess around. He did all the phone calls, all the paperwork, and all the work for me. I just told him what I wanted, and showed up to sign papers. This was the second house they sold us in 2.5 years. When they told me they could pull it off for me, I said they were crazy. Now we’re sittin pretty and feeling secure about our home and our finances. Thanks again Jake and Beth, for making our dreams come true.

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