Apply for a Rental

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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.

My goal is to provide you with the most personalized service that is designed to help you buy your dream home.

Schedule A Consultation
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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. 

My Testimonials

See why my clients love working with me.

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Buyer

Chris helped me obtain a rental property in 2015 and now the purchase of my first house in Little Elm in June 2018. With the current market conditions, Chris stuck with me for over 50 house tours and multiple offers. I was an F...
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Seller

Here is a simple story. My house was listed with a Remax Agent who was very unprofessional and treated the property like 'if it sells, I get my commission and if it does not, who cares'. Not once did I hear a sale's speech. Chr...
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Buyer

Chris was extremely helpful in our search for a home to rent. We had very specific criteria for the house we wanted no carpet, fenced yard, pets allowed, a large open floor plan, located within a 10-mile radius of work, and a g...
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Buyer

Chris helped my wife and I find our first home. He came highly recommended to us, after doing some additional research we set up a meeting with him. He gave us an overview of the home buying process without overwhelming us. We ...
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Nathan

We recently closed the deal for buying our new house. We had some unique circumstances where the deal got delayed by about a month and a half and Ryan was very patient through the whole thing. He also has gone through inspector...
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Mer

Chris just recently helped us sell our house in Mesquite, which he also helped us buy 2 years prior. It was because of the excellent experience we had on our first contact with him that we contacted him to help us sell. Chris g...
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Buyer

My husband and I recently purchased our new home. We also sold our first home. Chris Ohlig was our realtor and did an amazing job! He was very responsive and quick to answer all our questions. He went above and beyond to make s...
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Anne

Ryan was wonderful to work with! He helped me purchase a house I ended up selling one year later. Not the ideal scenario but Ryan was the consummate professional. He did whatever it took to get the right deal in as little time ...
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Seller

Sold my house before it was ever truly listed on the market, and for more than I was going to list it for! Things happened so quickly I didn't have a chance to even look at homes before the sale, Chris was extremely responsive ...
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Buyer

I am very pleased with my experience with Christopher Ohlig! I gave him specific criteria and he found the perfect place for me. He went above and beyond my expectations and I love the place I am renting. I love my children's s...
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Rebecca W.

Chris helped us find the perfect rental home. He was patient with me, I was changing my mind all the time for what we were looking for. He kept us updated throughout the process and never wasted our time. Thanks, Chris for all ...
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Buyer & Seller

Chris was quick to respond even after hours and on the weekends. I was in a rush to find a new home because Chris was very quick in selling my previous home. He took his time to educate me on things I should consider in the pur...
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Jake C.

Chris has a great support team and the knowledge to help you along the process of either buying or selling a home. We went from identifying our future home to having the keys in less than 30 days. I highly recommend going with ...
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Lisa C.

Ohlig Group Realty did a great job helping us find a new place to live! I would highly recommend them to anyone who is looking to sell or buy a house! Even if you just want a rent house or an apartment! They help with everythin...
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Nick M.

First-class group. Not only are they great at what they do in the office, everyone that is involved with this group is amazing people. They not only are they dedicated to their clients, but they are passionate about their commu...
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Buyer

Chris made the whole process very easy. He was there for every step of the process. Always made sure to be in contact with us. Helped make sure we got a good deal even on a new build. He helped make sure we received many incent...
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Erik M.

I used O.G. Realty when I sold my Rockwall house in 2014. Not only did the house sell in less than 30 days, I got 10,000 more for it than any other realtor said I could get for it! If you use any other company to sell your hous...
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Rose

Ryan is a wonderful realtor and we were so lucky to have him help us find our first home together. And much sooner than we anticipated! Thank you for the late nights and long drives. The welcome gifts were so sweet and thoughtf...
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Seller

Ryan helped me sell my house in Sept of 2007. We had 10 offers above asking and ended up with way more than I believed was even possible. His marketing and expertise helped sell my house with ease.
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Liz

Ryan was so amazing! He did not hesitate to show us home after home and was so patient. He made our move a smooth transition! I highly recommend him for buying, selling or leasing your next home.
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