Why is this step so important? Because you need to know whether you qualify for a loan and how much you can borrow, so you know what price of house you can afford.

第一步, 申請預先核准貸款證明

為何這一步這麼重要？因為要知道合不合乎貸款的資格，可以貸款多少錢，才可知道自己能負擔什麼價位的房屋。

Let Vicki understand your budget and needs to help you find the right home

第二步：Budget & Needs 設立預算和了解需求

讓 Vicki 了解你的預算與需求可幫助你尋找合適的房子

Vicki will find your dream house based on your needs. Forward information on the latest house listings. If you like to use other housing information websites such as Redfin and Zillow, you can also

第三步：Search & Find 尋找合適的房子

Vicki 會根據你的需求為你尋找夢中情房. 轉發最新房子上市動態的資訊，如果你喜歡用其他房源資訊網址如Redfin, Zillow 亦可以

Vicki will accompany you to view multiple homes to ensure you understand the pros and cons of different homes

第四步：Tour House 實地或視像考察

Vicki 會陪同你看多個房子，確保你了解不同房子的優缺點

Vicki will help you appraise and measure the final transaction price before entering into a purchase and sale agreement to increase the success rate of the transaction.

第五步：Official Offer 訂立買賣協議

Vicki 會在訂立買賣協議前會先幫你估價及測量最終成交價，增加成交成功率。

After the seller accepts the Offer, it officially enters pending. You need to deliver the Initial payment deposit and formal loan information within the time limit.

第六步：Initial Payment & Official Documents 交訂金和正式貸款資料

在賣方接受Offer後正式進入pending ，你需要在時限內交付Initial payment 訂金和正式貸款資料.

It is recommended to ask an expert to do a home inspection. (Optional but recommended)

第七步：Home Inspection 房屋檢查

建議請專家做房屋檢查。（Optional but recommended）

When Escrow, the neutral third party receives the loan information, it will contact the buyer and seller to complete the signed purchase and transfer. After the signature is sent back to the bank, the bank will start lending. After receiving the loan, Escrow will go to the county government to register the house transfer and wait for the city government records to show After opening the account, it will be officially transferred.

第八步：Escrow 正式過戶

當Escrow 中立第三方收到貸款資料，會聯繫買賣家完成簽署購買以及轉讓，簽名寄回給銀行後，銀行開始放貸，escrow 在收到放款後會去縣政府登記房子轉讓，等待市政府記錄顯示個戶後，就正式過戶