For Buyers

Couple who just bought a house are excited and holding a sold sign.

WNY Home Buying Process

  1. Select a real estate agent to represent you.
  2. Obtain financial pre-approval for a mortgage.
  3. Begin your home search.
  4. Find your dream home and make an offer.
  5. Select a real estate attorney and obtain attorney approval on the contract.
  6. Select a home inspector and have home inspection.
  7. Contact your mortgage lender and complete the formal loan application process.
  8. Receive loan commitment from your mortgage lender.
  9. Receive the clear to close from your mortgage lender.
  10. Close on your home.
  11. Collect the keys and move in!

Start Your Search

“Buying a home can be overwhelming at times. I can help alleviate your stress by guiding you throughout the process” - Janiene Palmeri, Buffalo-Niagara Real Estate Agent

Piggy bank in front of house, saving money for real estate closing costs in Buffalo NY.

Common Closing Costs in WNY

  • Down Payment

  • Title Insurance
  • Appraisal
  • Deed Recording Fee
  • Credit Report
  • Loan Application Fee
  • State Mortgage Tax
  • Notary Fees
  • Private Mortgage Insurance
  • Points or Loan Discount Fees
  • Insurance Escrow for Homeowners Insurance
  • Property Tax Escrow
  • Proration for Your Share of Utility Bills and Property Taxes

  • Home Inspection

“Check with your mortgage lender to see if you qualify for any grants, first-time buyer programs, or tax breaks.”

Use my Mortgage Calculator to figure out your estimated monthly payments.

Buy a Home in WNY

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Janiene Palmeri

716-435-6452 - cell