For Buyers

Team Scattergood Buyers Guide
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General Buyers Guide
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Home Financing Guide
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Buy A Home with

Terry & Joe

Finding and buying a home is a very personal process that works best when your objectives, priorities, and needs are met. While our role will involve economic analysis, strong negotiations, and addressing dozens of details around the closing process, our primary role is to support you as we seek to fulfill your real estate goals.


What to Expect

  • Meet with Terry & Joe
  • Agree on Home Search Plan
  • Get Mortgage Pre-Approval
  • Visit Homes
  • Identify "The One"
  • Write & Submit Offer
  • Negotiate with Seller
  • Submit Counter Offer
  • Accept Offer
  • Finalize Inspection
  • Request Repairs
  • Get Appraisal
  • Complete Closing Process
  • Do Final Walk-Thru
  • Sign Closing Papers
  • Welcome Home!
  • Recommend Us

Your Journey to

Finding the

Right Home

From the initial consultation, to planning your search, to walking you through closing, Team Scattergood is here to help. Your first steps to buying a home are only a click away. You can always ask us for advice if you have more questions.


House Hunting


With Team Scattergood, finding the perfect home can actually be a fairly easy and enjoyable experience for both the seasoned home owner and the first-time buyer. Use these tips to prepare for your search and keep track of your house hunt as it progresses.

  • Get pre-approved for a mortgage before you view homes
  • Do your homework online
  • Go to open houses
  • Talk to your real estate agent.
  • Location, location, location
  • Make lists so as not to overlook details.


Things You

Need to Know

After you view real estate listings online, it’s time to get down to business and see some of the homes that peak your interest in person. But before we meet , it is best to get pre-approved for a mortgage. A mortgage, by definition, is the loan you will need to borrow from a mortgage lender to purchase a home. See our Lender page under Resources

It’s important to note that a monthly mortgage payment is more than just repayment of the loan with interest. In that monthly payment, there are also property taxes, insurance on the property, and PMI (private mortgage insurance), which is required by loan institutions if you are borrowing more than 80% of the home’s value. In other words, your down payment is less than 20% of the home, than you would need to purchase PMI.) For the purpose of figuring out how much they can loan you, financial institutions will estimate the cost of these extras and factor that in to the equation of how much you are allowed to borrow.


How to Negotiate

the Price on

a Home

Before you place an offer on a home, Team Scattergood will probably discuss how to go about creating a negotiation strategy for you to get the best possible price for your new home. When bidding, do you start low, knowing the seller will then talk you up in price? Do you ask for extras like keeping the appliances? Do you hold your ground or bend slightly on what you will accept? Is there a way to guarantee that you don’t lose this house? Having an experienced and knowledgeable agent guide you on your choices will help answer those worrisome questions.


Getting a

Home Inspection

After your offer on that perfect home is accepted by the seller, it’s time to schedule a home inspection. Your agent may have already advised that though it may be the perfect home for you, there may be hidden things you did not notice. This is your window of opportunity to learn from a licensed inspector what repairs may be needed before you complete the purchase.

Typically, your purchase and sales contract will state that you have the right to a home inspection under its terms and conditions, and the buyer usually must complete the inspection within a given number of days of the seller’s acceptance. An inspection may be done with new construction, but builders offering new homes for sale usually give buyers a guarantee on the home and its condition. This is probably the only case in which a buyer can forgo an inspection with some peace of mind. But in most cases, your agent will tell you that an inspection is a must-do for all home purchases.


Closing on

a Home

After searching for New Hampshire real estate, viewing homes, and going through the waiting game of getting offers, inspections, and loan requirements in order, your time has finally arrived to close on that perfect home. There are many steps to closing on a house, so what can you expect?

The closing or signing appointment is the time when you sit down with a very large stack of all the official documents, get your chance to review them, and have anything explained as needed. Then you begin signing your name on the dotted line to make this home your own. After the closing, which can take well over an hour to complete, the final documents that show the change of ownership and your purchase are sent to the county government and recorded. It is then official. You own a new home!

It can vary depending on the type of loan or if you are buying with cash, but typically you can expect to see and sign these documents:

Promissory note on your mortgage: This is a legal document that defines and commits you to the terms of your loan. It is called a promissory note because it is, in fact, your written promise to repay the loan. This document will include the amount of your payments, instructions for submitting your payments, and an explanation of penalties and fees you will incur if you stop making payments or are late with a payment.

Legal affidavits: You may be required to sign legal documents in which you swear that certain statements (for example, that you are still employed or that this new home will be used as your primary residence) are true.

The deed: A deed describes the property, its location and lot size, and lists who owns the property. Transfer of the deed to your name will occur at this time.


Moving Checklist

When moving into a new house, the key to an easy transition is careful planning. There are steps you can take, from two months before the move until moving day, to make sure you have all your bases covered and

eliminate potential stress. Use this checklist so you won’t overload your schedule or mind, and even save some money.