Downloadable Buyer's Guide

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Buyer Resources

Download our complete step by step process to purchasing your next home. 

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Thank you for the opportunity to provide you with our buyer's guide overview. Please complete the following Buyers Questionnaire that will help us evaluate your needs, and create a tailored timeline and plan for your home search.

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By providing Curated Collective RE your contact information, you acknowledge and agree to our Privacy Policy and consent to receiving marketing communications, including through automated calls, texts, and emails, some of which may use artificial or prerecorded voices. This consent isn’t necessary for purchasing any products or services and you may opt out at any time. To opt out from texts, you can reply, ‘stop’ at any time. To opt out from emails, you can click on the unsubscribe link in the emails. Message and data rates may apply.
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A Step-by-Step First Time Buyer's Guide

Buying a home is one of the most exciting milestones of your life. To prepare yourself for this moment, you need to know what to expect during the process. This step-by-step first time buyer’s guide created by your agent will help reduce the stress of buying a home and help you enjoy the journey as much as possible.

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Step 1: Research

Do you already know where you want to buy? If you want a condo, townhome, or single-family home? Which features do you like and dislike? What’s available on the market now? If you answered no to any of these questions, now is the time to start researching. In addition to looking for homes that interest you, also take note of any changes in asking prices. This could give you valuable insight into housing trends in specific neighborhoods and help you when the time comes to make an offer.

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Step 2: Decide on Your Budget

Notice I said to decide on your budget—not determine how much the mortgage company will give you. In many cases, a mortgage company will pre-approve you for more than you’re comfortable spending, which is why you need to determine the monthly payment you feel comfortable with before talking to a lender. This likely includes doing a full household budget and taking into consideration what changes other than a mortgage payment will occur once you move into your new home. If you’ve lived in an apartment or with roommates, you may overlook new expenses like garbage, water, or HOA fees that could easily blow your budget.

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Step 3: Get Prequalified

Just because you think you can afford a certain payment every month doesn’t mean the mortgage company will agree. Just as they may approve you for too large of an amount, they may also approve you for a lesser amount or deny you a mortgage altogether. Lack of time at a job, insufficient credit, past bankruptcies, or other financial issues can cause major problems when trying to secure a mortgage. Before you get your heart set on a home, talk to a mortgage professional to find out what amount you can qualify for. This will also be an advantage when you make an offer on a home, as some sellers won’t entertain offers from those who aren’t already prequalified for a loan.

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Step 4: Choose a Real Estate Agent

Can you shop for, look at, and ultimately make an offer on a home without a real estate agent? Technically yes, but why would you when it costs you nothing for an agent like me to take much of the stress off your shoulders? Not only will I help identify properties you might be interested in, arrange showings, and ultimately handle the offer process, but I also have a knowledge of the market that you don’t possess. I may be able to steer you away from certain homes or neighborhoods, suggest hidden gems, or give you pointers that will help you find your dream home for the right price.

Our goal is to provide you with the most curated service that is designed to help you buy your dream home or next investment.

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Step 5: Find the Right Home

This should be the most enjoyable step of the entire process (other than moving in!). I will arrange showings of homes you’re interested in that are within your price range. Take notes about what you like and don’t like, and make sure to pay attention to details. Turn light switches on and off, open and close doors, and run the faucets in various rooms. Don’t limit your inspection to the home itself. Make sure to take time to explore the neighborhood and keep an eye on traffic at certain times of the day, the parking situation, and how close it is to necessities like schools and grocery stores.

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Step 6: Make an Offer

Once you have selected the perfect home, work with your agent to craft a fair offer based on the value of comparable homes on the market. Depending on what the home is listed at and whether the current environment is a buyer’s or seller’s market, your offer may be below, at, or even above the asking price. I will be able to help you negotiate if you receive a counteroffer and reach an agreement. At this point, the house will go into escrow.

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Step 7: Have the Home Inspected

In most cases, your offer will be contingent on having the home inspected to ensure there is no major structural damage or large repairs needed. I can help you arrange this, and you can schedule it within days of making an offer. If there are no major issues, the process goes to step eight. If there is, you can renegotiate your offer based on what needs to be fixed, or you can withdraw it.

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Step 8: Select Your Loan

Now is the time to go back to the mortgage lender who pre-approved or pre-qualified you and choose your mortgage. You will be presented with various options based on your unique financial situation, including fixed-rate, variable-rate, 15-year, 30-year, or special programs such as VA loans or FHA loans. Work with your mortgage lender to select the option you feel the most comfortable with.

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Step 9: Get a Home Appraisal

Your lender will have your new home appraised so they have their independent value of it. The appraisal is to ensure that all parties involved are paying a fair price for the house.

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Step 10: Finish Paperwork

No one looks forward to all the paperwork involved in buying a home, but it’s a necessary part of the process. Fortunately, everything will be arranged by your lender and title company and, when you’re finished, you’ll know you are the legal owner of your new home.

Congratulations!

After signing the final paperwork to complete the purchase, you are now the owner of a new house. It may take a few days for your loan to be funded once the paperwork has been returned to the lender, but once that check is delivered to the seller, you’ll be all set to move into the home of your dreams.

WHAT OUR CLIENTS SAY
When my husband and I decided to move from the SF Bay Area to Austin and buy our first home, we didn't know anyone in Austin and had very little to no knowledge of the home buying process. So, it was incredibly important for us to work with a Real Estate Agent who we can trust and who can guide us in this journey. Khani was recommended to us and she was absolutely AMAZING - from sending us brochures to f...

— ANDREA ONETA | BUYER

WHAT OUR CLIENTS SAY
Khani and her team are amazing. In a totally crazy housing market, when we had to make a lot of decisions quickly, she was always there when needed with sound advice. She took care of every detail and ensured we maximized our outcome. I’m extremely grateful to her and her team and can’t recommend her highly enough.

— LISA KUREK | SELLER

WHAT OUR CLIENTS SAY
My wife and I met Khani at an open house in our neighborhood. We weren’t in the market for a home but had plans of selling our house in 6 months and had a habit of checking out local open houses. Khani greeted us with a big smile, amazing energy and marketing material of the home that looked like it could be in readers digest. The house was staged to perfection and we talked to her for 15 minutes about t...

— GAVIN WINTER | SELLER

WHAT OUR CLIENTS SAY
Khani is the best! She was so helpful in so many ways: great research into homes and neighborhoods, recommendations for shops / restaurants / sites, help getting work done on the house, and managing our entire home buying cycle flawlessly. She was incredibly responsive, easy to communicate with, and just plain fun to spend time with. Highly recommend, especially for anyone looking to move to the Austin a...

— DAVID PARKER | BUYER

WHAT OUR CLIENTS SAY
Khani is a phenomenal realtor, one of the best in Austin, TX! I highly recommend you approach her if you ever need to buy or sell a home in the area. Her market knowledge and experience will be sure to get you a great deal.

— MICHELLE FERMIN | SELLER

WHAT OUR CLIENTS SAY
Very personable, friendly, attentive, exclusive. The most professional, knowledgeable team. Exceptional marketing strategy that sells homes. This is bespoke realty services.

— PAUL ERICKSON | SELLER

WHAT OUR CLIENTS SAY
Khani has had multiple transaction both for sales and rentals for me. She is knowledgeable, attentive and professional. She handled a lot of issues without any glitches. I highly recommend her in assisting you in any real estate endeavor you might have.

— JEFF PAN | BUYER

WHAT OUR CLIENTS SAY
I am lucky enough to know one of the best and the brightest real estate agents in Texas, and certainly in Austin. Her expertise is incredible, she knows the market here, an impressive feat for her to have accomplished in an incredibly competitive real estate industry. Khani Zulu made the process of buying a home seamless and perfect. She took on the hard work of the homebuying process, every single de...

— KRISTI GEDEON | BUYER

WHAT OUR CLIENTS SAY
I wanted to express my heartfelt appreciation for the exceptional service and professionalism that Khani Zulu and her team have provided throughout the process of selling my house. Despite the unexpected challenges that arose, Khani unwavering dedication and solution-oriented approach were truly commendable. I am genuinely grateful for her team tireless efforts in securing the best possible outcome for m...

— YAMAYRA RODRIGUEZ | SELLER

WHAT OUR CLIENTS SAY
Last summer I referred my dear friends and clients to Khani and her team, as they were relocating from the Bay Area to Austin. Khani was all over it with them, listened to their needs, and kept me in the loop the entire way on how things were progressing with their purchase. My clients had only rave reviews for Khani and are super happy with where they ended up!

— TOBIAS GREEN

WHAT OUR CLIENTS SAY
Loved working with Khani!!! You should consider using her if you - need good advice on what to do before listing, need someone with contacts to get that work done quickly, enjoy working with an agent who is responsive and makes things happen. Khani and her team go way beyond what I see from other agents and on other listings. For instance, a unique and beautiful website to market your home and adverti...

— KYLE OLSON | SELLER

WHAT OUR CLIENTS SAY
Khani is the most wonderful combination of knowledgeable, connected and helpful person to know. She has been just the right person you'd wish to meet in a new town - with "I know someone who can...!" every. darned. time! I am SO glad to have been given her name in my search for a a new home in Austin - you meet people for a reason in your life, and she is one of those!!

— S-J | BUYER

WHAT OUR CLIENTS SAY
Khani and her team were Outstanding! Excellent with communication and assistance throughout the entire process. It was very obvious how Khani and her team stood out, with their work ethic, advice on updating the property and assistance with getting those repairs done. Thank you !

— MICHELLE OLSON | SELLER

WHAT OUR CLIENTS SAY
I cannot say enough good things about our experience buying a home with Khani. We started looking for a home in Austin back in the summer of 2020 with another realtor in Austin and put in offers on about 8 homes over the next ~1.5 years. We were so discouraged and our expectations and budget changed drastically to accommodate for the insane Austin market. Finally, we decided we needed to make a change wh...

— JESSICA THORNTON | BUYER

WHAT OUR CLIENTS SAY
Khani is the expert you want in your corner throughout any type of Austin real estate adventure. She's a fierce advocate and effective agent for her clients best interests. I introduced Khani to a friend that was looking to make a investor purchase in Austin. This particular client had high expectations from their real estate team, to which Khani exceeded every one of those benchmarks with grace and joy....

— JP GERLING

WHAT OUR CLIENTS SAY
Khani is simply great! Very knowledgeable and experienced! Her network is vast and will always find you the best deal! Can’t thank her enough for her support!

— KRISTIAN HRISTOV | BUYER

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