YOUR HOME
buying
Purchasing a home is an exciting and monumental decision. As a trusted real estate Agent, my goal is to make this journey as smooth, clear and stress-free as possible for you. This guide will walk you through every step of the buying process, so you can feel confident and well-informed at every stage.
Jamie Heishman is a REALTOR® who believes buying or selling a home should feel exciting, not overwhelming. After launching a new chapter in real estate, Jamie brings determination, a fresh perspective, and a strong work ethic to every client she serves. Starting a new career later in life gave Jamie a deep understanding of what it means to take a leap, work hard, and pursue something new. That same commitment is what she brings to her clients every day. She knows that behind every home purchase or sale is a major life decision, and she takes that responsibility seriously. Known for being approachable, honest, and dedicated, Jamie focuses on making the process clear, smooth, and as stress-free as possible from the first conversation to the closing table. She takes pride in listening closely to her clients’ goals and working tirelessly to help them achieve them.Jamie’s mission is simple: build lasting relationships while helping clients confidently turn
United Real Estate Premier 540-374-1111xt
about me
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OUR NETWORK
family of companies
630+ Offices Worldwide 20,000+ Associates 18+ Billion Transaction Volume Auction & Conventional Listing Capabilities Global Relocation & Referral Network
I’ll be by your side to ensure you make an informed decision and find a home that truly feels right for you.
finding your dream home
Market & Listing Research
Comparative Market Analysis
Expert Strategy & Offer Guidance
With your pre-approval in hand, we’ll begin the search for your ideal home. I will provide you with access to listings that match your criteria, along with detailed information about each property. During our home tours I’ll point out key features and help you weigh the pros and cons of each home.
I can help connect you with trusted lenders if needed, and once you're pre-approved, you’ll be ready to make competitive offers when the right property comes along!
Before we start viewing homes, it’s essential to get pre-approved for a mortgage. This will give you a clear picture of your budget and make you a more attractive buyer to sellers. Here’s what you’ll need to get pre-approved:
This shows your work record over time—where you’ve worked, how long and how steady your income has been.
Employment History
Debt-to-Income Ratio
Credit Report
This is a number that shows how much of your monthly income goes toward paying debts.
buying process
This can include pay stubs, tax returns or bank statements.
Proof of Income
Lenders use your credit score to decide how risky it is to lend you money.
Square Footage
Understanding what you’re looking for is a top priority.
Features
Dream Home Profile
search tools
Schools
High-Tech Tools
Search Tools
Website Open Houses Yard Signs
about your dream home
Baths
MLS My Network My Website
Price
Location
Customer Search
Style
Bedrooms
Let’s talk about the features of your future home.
Financing & Inspection Contingencies
When you’ve found the home you love, it’s time to make an offer! I’ll assist you in crafting a competitive offer based on market value, recent comparable sales and other factors. I’ll share market data and recommendations, and together we’ll review your options so you can confidently decide on the price, contingencies and closing timeline. I’ll also negotiate on your behalf to ensure you’re getting the best possible deal.
making an offer
offer price
earnest money deposit
closing date
Sellers may contribute instead of lowering price.
Keep emotions out of negotiations.
Renegotiate price or explore financing options.
Reasonable requests get better results.
Handle Appraisal Gaps
Stay Professional
Be Realistic
Focus on major issues, not minor fixes.
negotiation
Market conditions and seller motivation impact flexibility.
Use Inspections Wisely
Negotiate Closing Costs
Know Your Leverage
2. Inspection and repairs
3. Earnest money
3. Appraisal
5. Finalize mortgage details
1. Give earnest money to title company*
*Not sure which title company to use? Ask me - I know the best!
4. Home insurance
7. Offer will be accepted, counter-offered, or declined
2. wants
5. Important dates
1. Falling in love with a home
6. Inclusions in home
offer accepted
6. Final walk-through
4. Down payment/financed amount
inspection & appraisal
Inspection Report Findings
Once your offer is accepted, it’s time for a home inspection. This crucial step helps identify any potential issues with the property that may need repairs or adjustments. If necessary, I’ll guide you through negotiations with the seller for repairs or price reductions. If issues arise, I’ll handle all the back-and-forth with the seller and work to find a solution that aligns with your needs.
Repair Requests or Credits
Re-negotiations of Offer Terms
During this stage, I’ll be in touch with your lender to ensure everything is progressing smoothly and I’ll keep you updated on important milestones.
finalizing financing
With the inspection complete and all conditions satisfied, we can move forward with finalizing your financing. This involves completing the formal mortgage application, securing your loan and locking in your interest rate.
title work
A home title represents legal ownership of a property, granting the owner the right to possess, control, enjoy and dispose of the property. It's a legal concept, not a physical document and is distinct from the deed, which is the document that transfers the title. A home title signifies your legal right to own the property, including the land and any structures on it.
Title Company Will Issue Title Insurance
Title Search & Examination
I Will Call Title Company
Congratulations, you’re now the proud owner of a new home!
Pay Closing Costs & Down Payment
Sign the Purchase Agreement
Finalize Your Mortgage Details
closing the deal
Receive the Keys to Your New Home
The big day is here—closing day! Before you sign the final paperwork, I’ll review all documents with you to ensure everything is accurate and complete. During the closing, you’ll:
I’ll accompany you to closing, answer any questions and verify the closing paperwork matches our purchase contract.
closing day
You will need to bring a certified check or wire your down payment/closing costs.
Property Appraisal Home Inspection Processing Fee Underwriting Fee Lender Fee Loan Discount Fee Recording Fee Settlement Officer Fee
Bring your identification.
Title Insurance Document Prep Fees Escrow Taxes & Insurance Prepaid Interest Credit Report Transfer Taxes Attorney / Notary Fee
These are the items that will be included in your closing cost:
Everyone who is purchasing the property must be present. If this is not possible, let me know in advance.
Today marks a new chapter—you've officially taken possession of your new home. The keys are in your hand, the rooms are filled with light and possibility and each corner holds the promise of memories yet to be made. Here's to fresh starts and building something truly your own.
moving
Enjoy Your New Home!
Submit Change of Address
Transfer or Establish Utility Service
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Moving Companies
Pest Control
Title Companies
Appraisers
Contractors & Repair Services
Home Inspectors
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