Twin Cities Property Finder · David Olson, Broker · MN #BK3603584 · Whitefish Property Finder · MN #40646463 · Licensed in Minnesota, Wisconsin and Florida
Buying a home can involve thousands of details with many changing variables that can be confusing and overwhelming.
Here are the ten steps from your first conversation to your new keys, and what happens in each one.
A simple plan for your move
I’ve been helping people sell and buy homes across Minnesota, Wisconsin, and Florida for about two decades, and I build and remodel luxury homes too. I’ll help you see both what a property is and what it could be.
The buying process
10 Simple Steps to Buying a Home
Tap any step for the details.
Why it mattersA buyer’s agent works for you: pricing advice, negotiation and a second set of eyes on every home.
How it worksMeet with David to talk through your goals. Minnesota requires an agency disclosure and a written buyer representation agreement before you’re represented, and he’ll walk you through both.
Your valueOne guide who is also a licensed builder and insurance agent, so you get more than a door-opener.
Why it mattersSellers take offers more seriously when a lender has already reviewed your finances.
How it worksShare income, asset and credit information with a lender of your choice and get a pre-approval letter for your price range.
Your valueYou shop in the right range and can move fast when the right home comes up.
Why it mattersA clear wish list keeps you from losing weekends to homes that were never a fit.
How it worksRank location, commute, schools, size and condition. The buyer questionnaire takes about a minute.
Your valueA short list of homes that fit how you actually want to live.
Why it mattersPhotos don’t show the roof, the mechanicals or the street at rush hour.
How it worksPrivate showings and open houses. David points out condition items like roofs, windows, foundations and systems as you walk.
Your valueYou spot costly issues early, before you’re attached to a house.
Why it mattersYour terms can matter as much as your price, especially when other buyers are interested.
How it worksDavid prepares a written offer based on recent sales and the home’s condition. You can start the details with Write an offer.
Your valueA competitive offer that still protects you.
Why it mattersMost offers go back and forth before both sides agree.
How it worksCounteroffers on price, repairs, dates and included items, then a signed purchase agreement and your earnest money delivered.
Your valueA calm, experienced negotiator in your corner.
Why it mattersYou learn the home’s condition while you can still ask for repairs, credits or walk away.
How it worksSchedule the inspection right after acceptance, attend if you can, then review the report together.
Your valueA builder’s view of what is urgent, what is routine and what is cosmetic.
Why it mattersThe lender needs the value and your file to check out before it funds the loan.
How it worksAnswer lender requests quickly and avoid new debt or job changes until closing. David tracks every deadline.
Your valueFewer surprises on the way to the closing table.
Why it mattersYour lender requires insurance, and the walkthrough confirms agreed repairs and included items.
How it worksCompare quotes (Intrinsic Insurance can help), then walk the home shortly before closing.
Your valueYou close knowing the home and your coverage are what you expect.
Why it mattersClosing is when ownership, money and keys change hands.
How it worksYou receive your Closing Disclosure at least three business days before closing. Always confirm wiring instructions by phone with your title company before sending money.
Your valueKeys in hand, and a Realtor who is still a call or text away after you move in.
Getting the house ready, or making it yours
If you’re selling and want repairs handled before buyers see them, Super Crew Contractors can give you an estimate. If you’re ready for something custom, Ivy Lane Homes does luxury home building and remodeling. And a quick coverage check with Intrinsic Insurance before closing can save you a surprise. Ready to talk? Start a buyer plan or ask what your home is worth.
Super Crew Contractors, Ivy Lane Homes and Intrinsic Insurance are owned by David Olson; you are free to use any contractor, builder or insurer.
Your next step
Every move is different. Whether you’re selling or buying, I’ll help you make a plan that fits.
Please note: I don’t handle rentals or property management. I work with sellers and buyers, and that’s where I can help you most in the Twin Cities.
Stay close to the market, without the noise.
Every so often I send a short, practical note: what Twin Cities homes did, prep tips that are worth the money, and neighborhoods worth a look.
Thank you! You’re on the list.
I’m glad you’re here. A quick confirmation is on its way to your inbox. Whenever you want to talk about your own home or a move, I’m a call or text away.
