Buying a home is one of the most important financial accomplishments most of us will make. Dividend Homes is committed to making your home-buying experience as seamless and enjoyable as possible. Our dedicated sales professionals will assist and guide you every step of the way through your home-buying process.
Dividend builds homes in some of the most desirable cities in Silicon Valley. Narrow your search to the area that suits your needs and lifestyle best.
Do your homework. Ask questions- and lots of them! Our friendly sales staff is happy to help you find answers.
You can discover a lot about our home designs and floor plans online, however nothing beats the knowledge of our experienced Sales Representatives. Set up a meeting to discuss all you desire in your new home, and they can help guide you to your perfect home.
Once you have found the home you wish to purchase, you will need to be pre-approved. Our preferred lenders are experts in the industry and familiar with our sales process.
There is a Sales Process established at each of our new home communities to ensure a smooth and fair sales process. Please consult the community Sales Representative for details.
Be sure you have fully read your entire disclosure package. We understand there are a lot of details to cover, and our staff is here to answer any questions. Once you have executed your contract, your new home is off the market! An escrow account will be opened with your deposit.
Once you are in contract, our professional Interior Designer will contact you to set up appointments to choose your interior selections. We will help you select colors and materials to personalize the home to suit your needs, taste and style. Cut-off dates by which these selections must be made will be given to you to ensure your home closes escrow on schedule. It typically takes three appointments to complete your home selections. If you order any upgrade options, a 50% deposit will be required at the time of the order, with the balance due to be paid in escrow when your home is complete.
Providing you are not a cash buyer, your lender will give you a written loan commitment within the loan contingency period per your contract. Once we receive the loan commitment letter from your lender, you will be provided with a loan satisfaction amendment to the contract that removes the financing contingency.
Once your home is complete, you’ll have a walk-through and buyer orientation meeting with a construction representative. During this appointment, the construction representative will explain how everything in the house works and how to maintain it. This is also your opportunity to look for cosmetic damage (e.g. cracked windows or tiles, scratched wood, paint touch up), anything in need of repair. Any items found on the walk-through will be repaired within thirty days.
Note: If you wish to see your home while it is under construction, the Sales Representative will schedule an appointment with you. For safety reasons, children are not allowed on the construction site.
It normally takes about seven days from the date of your walk-through until you become the recorded owner of your home. Your lender will let you know when your sale and loan closing documents will be at the title company. The title officer will contact you to set up an appointment to sign these documents. You will also be given the amount of funds you will need to deposit into escrow to close on your home, as well as wiring information for these funds. You must bring valid identification with photo ID when you sign documents in escrow, including documents that need to be notarized (such as the lender’s deed of trust). A current California driver’s license or passport is preferred.
Once you have executed all final documents, your loan documents will be returned to the lender for review. The escrow holder will ensure that all contract conditions have been met and will ask the lender to fund the loan. If the loan documents are satisfactory, the lender will wire the funds from your loan directly to the title company. Once these funds have been verified in the title company’s account, the deed will be released for recording at the county recorder’s office, usually the following day.
Upon verification that the grant deed has been recorded, you will be notified by the Sales Representative that you may pick up your keys. You did it. Now, enjoy creating many cherished memories with your friends and family for years to come in your beautiful new Dividend home!
