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Beacon Ridge Realty
Resources

Buyer Resources

Everything you need to navigate the home buying process with confidence.

Mortgage Calculator

Home Price$400,000
Down Payment20% ($80,000)
Interest Rate6.5%
Loan Term30 years

Estimated Monthly Payment

$2,389

Principal & Interest

$2,023

Property Tax

$267

Insurance

$100

Typical Closing Costs in NC

Expect total closing costs of 2-5% of the purchase price. Here’s what to budget for:

Loan Origination Fee0.5% - 1% of loan
Appraisal$400 - $600
Home Inspection$350 - $500
Title Insurance$1,000 - $2,500
Attorney Fees$500 - $1,500
Recording Fees$100 - $250
Prepaid Insurance1 year upfront
Prepaid Taxes2-6 months

Step by Step

The Buying Process

01

Get Pre-Approved

Before you start looking at homes, get pre-approved for a mortgage. This tells you exactly how much you can afford and shows sellers you're a serious buyer. We can connect you with trusted local lenders.

02

Define Your Criteria

We'll sit down together and discuss your must-haves, nice-to-haves, preferred neighborhoods, commute needs, and lifestyle priorities. This saves time and ensures we're focused on the right properties.

03

Tour Properties

We'll schedule showings for properties that match your criteria — including off-market opportunities you won't find online. Take your time; we'll see as many homes as it takes.

04

Make an Offer

When you find the one, we'll prepare a competitive offer based on market data, comparable sales, and the property's condition. We'll negotiate terms that protect your interests.

05

Due Diligence

After your offer is accepted, we enter the due diligence period. This includes the home inspection, appraisal, title search, and survey. We coordinate everything and keep you informed at every step.

06

Close & Get Your Keys

At closing, you'll sign the final paperwork, the funds transfer, and you receive the keys to your new home. We'll be there with you to make sure everything goes smoothly.