Coles and Associates
   Transaction Flow Checklist
   (This is designed around a traditional transaction)
  Meet with Realtor Robert to discuss your needs, wants and goals                         
Visit with Lender about potential loan programs that coincide with goals
  Based on communications with Lender, obtain your prequalified amount
Supply Lender supporting documents based on prior conversation
Obtain Pre-Approved status from Lender
Agent to review potential homes within your wants, needs, goals and approved amount
  Realtor to coordinate, schedule and show you appropriate listings
  Discuss terms of selected home, review and sign an offer to purchase
Complete initial negotiations or repeat prior three steps
 Realtor to open Escrow and order Preliminary Title Report
Realtor to coordinate, schedule and provide access to buyers Home Inspector
Review Preliminary Title Report with Buyers
Review Home Inspection Report, re-enter negotiations if necessary
 Realtor notifies Lender to proceed with ordering appraisal
Lender compiles all necessary documents with appraisal for underwriting
  Underwriter reviews Lenders Package for completeness
Lender orders Docs to be issued and sent to Escrow officer
  Escrow works up HUD-1 Statement in accordance with contract and Lender Instructions
  Realtor to coordinate and schedule a buyer signing time with Buyers and Escrow
  Escrow sends signed documents back to Lender for verification
  Lender wires loan funds to Escrow Company
  Once Buyer's and Seller's sign all docs and have received all funds escrow records Deed
  Keys are released to Buyers
  Congratulations!!!  Hope it all went smooth!

What our clients are saying  

Robert Coles has been the best realtor we have worked with and feel fortunate that he was referred to us. He was extremely thorough, very professional and never pushed us to look at homes that didn't have the features we were looking for. He was always available and made us feel like we were his only clients. If we choose to purchase or sell again, Robert will be our first call!


~ Mark and Amy S.

I can sincerely say that Robert Coles is NOT like the rest. He cares. He didn't look at me, or my house, or my family with dollar signs in his eyes. He truly wanted to help us, and that is exactly what he did. Not only would I recommend Robert Coles, I would try to talk my friends and family members who already had a realtor, into changing over to Robert. Robert is very good at what he does, and it shines through. He's a good man, a good realtor, and is now a good friend.


~ Travis and Rachel

Thank you Robert for all you did in my transaction as sensitive and detailed as it was, you made all the difference in my peace of mind. I wish you continued success helping families with their transactions and that they see the integrity and passion I see in you too.


~ Max

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