Welcome or Register

Thank you for visiting today. If this is your first visit, take your time and look around. I have plenty of information and resources available to you. If you are a return visitor, thank you. I would love to hear from you and tell you how I can serve all your real estate needs.

Home Buying Process

Purchasing a home, especially for the first time, can be very daunting.  Some buyers don't know where or how to begin.  Others ask, "What happens next?"  Not every transaction occurs in the same order or manner, but we have outlined the primary steps for purchasing a home below. 

Click Here for a Detailed Explanation of Each Step


1. Pull Your Credit Report to Determine Your Ability to Get a Mortgage

2. Get a Mortgage Pre-Approval Letter

3. Search MLS for Available Homes

4. Discuss Your Needs and Goals with One of Our Agents

5. Ask One of Our Agents to Represent You

6. With Our Agent, Make a List of Homes to View

7. Our Agent Shows You Homes

8. Our Agent Helps Research Info About Specific Properties

9. Make an Offer on a Home

10. Seller Accepts, Rejects or Counter-Offers

11. Offer is Accepted and You Submit a Binder Deposit

12. Chose an Attorney to Represent You

13. Schedule Tests and Inspections to Verify the Condition of the Property

14. Lock in an Interest Rate with Your Lender to Put the Loan Into Process

15. The Appraisal and Title Search Are Requested

16. Survery is Ordered (Sometimes Required)

17. You and Seller Sign Sales Contract

18. You Obtain Homeowner's Insurance

19. Title Search is Completed

20. Lender Notifies You that Your Mortgage is Clear to Close

21. Buyer Participates in Final Walk-Through

22. Closing Settlement Takes Place

23. Buyer Takes Possession

agent photo

Barbara Carter
RE Associate Broker
Century 21 Alliance
Realty Group

203 Main Street
New Paltz NY 12561
Cell: 845-505-3160  

2015-2016 Century 21 Centurion Award
2014 Century 21 Quality Service Award
2015-2016 Century 21 Quality Service Pinnacle Award
2015-2016 Century 21 Presidents Producer Award
2015-2016 Hudson Valley Magazine "Five Star Professional Real Estate Agent Award"


It's important to know oneself when choosing a realtor. Knowing that my wife and I would be buyers that need a patient and highly responsive agent, we met with several experienced realtors before choosing Barbara Carter. We chose Barbara in part because of her excellent reputation and in part because of her extraordinary knowledge of the mid-Hudson Valley market. But most of all, we just knew that Barbara had the warm and conscientious personality we could work with. In every way, Barbara exceeded our expectations. Ours was a two year process to find the right home. We started with one idea and ended with a very different one. Dozens of properties were visited. Throughout the process, Barbara was remarkably patient, carefully listening to and responding to our evolving criteria. She was quick to bring newly listed properties to our attention. If we had questions about a property, she was quick to get us answers. Property after property, Barbara never wavered. When we found what we wanted, a number of complexities unfolded. Most were unexpected and many would have rattled a less experienced realtor. It is here that a buyer wants a real pro, and Barbara skillfully guided us through the details of a very challenging 6 month offer-to-closing process. Often she did much more for us than her professional duties required. From the first day we started looking for a home to the day of closing, Barbara never missed a beat. She is a total professional . Eugene Lebwohl
Having Barbara Carter as your Realtor is equivalent to the ultimate professional, successful, and pleasurable real estate experience. My house was on the market with another agency for over a year and no offers were achieved. When Barbara became my agent; a marketing report was generated within days, proper pricing was achieved, and three bids were received within the first week. From the first days of showing to the actual closing on the property, Barbara was brilliant and enthusiastic about all matters related to the sale of my home. Her attention to detail, knowledge of the market conditions, willingness to share her wisdom, high standard of ethics, and generosity of spirit are the best I have ever experienced. Barbara Carter receives my absolute highest level of recommendation. Marda Reid
It was our great pleasure working with Barbara.Barbara is very professional, informative,honest hard working and all the good qualities.She will get you a beautiful home for your money in a nice environment. Barbara had found a dream home for me and my husband in a short period of time.She did not only sold us this house she chose a home that she likes for herself too. We fell in love with the house and made our decision the first time we saw it.I would highly recomend Barbara she is the BEST.Thanks again Barbara. Deneise Clacken
View All