The buyer onboarding guide

The Buyer Onboarding guide

We wanted to prepare a one-stop shop for everything you need to know as we begin the home buying journey...

ISn'T IT TIME YOU felt prepared?



presented by: chloe powell



To me, a home is more than just a house.

It’s the heart of your family. Your cherished gathering place. Your own personal haven.

Buying your home with me means you benefit not only from expert knowledge and the latest technology, but the kind of good, old-fashioned customer service and personal attention that has earned me an outstanding reputation and loyal client base. 

Your home purchase is both your priority and mine, and I want to encourage and equip you along the way, every step of the way.

Welcome, friend!

-Chloe Powell 

From moment we discovered her online presence, We knew she would be the great fit as our realtor. During our initial meeting, Chloe provided us a well organized and very detailed package for the home buying process. We clicked instantly and were on the same page. Fast forward to today and our experience with Chloe from Rococo Real Estate was one of our greatest decision into our first home buying experience. She made us feel like we were all a team to accomplish one goal and was our voice when needed during the process. We are very grateful for what you’ve done for us. Not only were you our professional, but also became our friend. Thank you for all of your hard work and patience!

We have and will always recommend you to our families and friends for realtor needs.

Thanks again for everything and we love our first home!

-Geurys & Vanessa Perez

"We love our first home!"

Yes, we demand a good attitude from ourselves. We will be a positive mindset coach during this adventure. Buyer's remorse is very much a real thing, so we will be the steady voice of optimism and encouragement during the inevitable bumps in the road. 

We'll have a great attitude

What to expect + Our promise to you

Our first job is to sit down with you to get to the core of what you are looking for. If you're not sure that's ok too. We will help you get on track to understand the nuances of Loudoun County’s neighborhoods and surrounding communities. We might even introduce you to areas you may have never considered so that you find the perfect niche for your lifestyle. There are so many options and Loudoun County is a seamless blend of neighborhoods that all have their own flavor. We’ll explore them together.

We'll get to know you

This sounds basic, but "bad communication" is the #1 complaint that clients have about real estate agents. We'll be in touch with you in a variety of ways. From sending you daily listing alerts, to getting your feedback after showing appointments to weekly check-ins via your preferred method of communication. In addition, we'll be quick to communicate any correspondence from sellers and their agents and vice versa.

We'll keep in touch 

We won't give you the fluff- we'll give you the facts that matter most. We want you to be informed with every detail of the homes that you consider. We are not going to try to sell you on every home we see. We will be frank with you and assess everything from big ticket items to tiny details to make sure that you are considering homes that are truly best for you. We will not only point out the positives but we will point out the negatives that you should consider.

We'll give you our 'two cents'

Inspections are important and repair requests can be tricky. Our job is to know what is reasonable and unreasonable to request and to negotiate the best outcome for you. We can offer suggestions for contractors, but the ultimate decision is yours. If the seller is providing the repairs prior to closing, we will monitor and document those activities for you.

We'll manage inspections and post contract negotiations 

As your agent, it is our job to work for your best possible price and terms. We take that very seriously. We are going to base our offer on data so that you can put your best foot forward without overpaying. We will ensure that you are selecting the appropriate terms and contingencies. Contract negotiation is one of our greatest tools in our toolbox, so you can be sure that every measure will be taken for your offer to have the best chance of being accepted.

We'll present and negotiate offers

For our sake and yours, this process with be swift, organized, painless and fun! Real estate transactions are complex and involve a lot of moving pieces and it’s not your job to keep track of all the details. We've got it all covered. Additionally, we'll make sure you are in good hands with our “team” of lenders, inspectors, builders, contractors, title, and insurance professionals. We'll help pair you with the absolute best people in the industry to be sure that those items are handled with the same level of care and service that we offer.

We'll be your guide from start to finish 

Home buying resource guides & checklists


This guide is packed with everything you need to know for your home-buying journey. As you move forward, know that we are here to offer our expertise and all the resources at our disposal to achieve the results you are expecting. 

Exceeding your goals through excellent service and effective solutions is our mission. Earning your business is our privilege. We are delighted to be a part of this major milestone in your life!

Dear Future First Time Home Buyer,

I know you’re out there dreaming of having a space to call your own that you can decorate Joanna Gaines’ style BUT you feel completely overwhelmed by the process and where to even start. My goal is to equip you with all of the tools necessary to start this journey as prepared as possible because a prepared home buyer = a successful home buyer. 



The ultimate guide for the home buying process with chloe powell


Getting my buyer’s offers accepted is my superpower! I have tried and true strategies I implement when a competitive offer scenario arises.

This checklist packages up all the winning strategies I suggest to make your offer stand out from the rest!



Navigating the home buying process probably feels comparable to sailing across the Atlantic Ocean and I totally get it! Especially when it comes to finding the RIGHT house. I’m here to help boost your home buying confidence with this guide that will walk you through some key questions to help you determine the top factors to consider when you start your home search (checklist included!) When it comes time to “Say YES to the Address” you want to know without a doubt that you have found THE one. 



Receiving a report from a home inspector can be quite overwhelming. This comprehensive guide goes through all of the things that you need to look out for, and it also sets expectations on what's reasonable and unreasonable to ask for in a repairs request. 



What Comes First the Chicken or the Egg: Do you need to sell first in order to qualify to buy a home?
What Lender Should You Use: You need someone who can get creative and best help position you to navigate a double move. 
Questions to Ask Your Agent: What does a Move Up Buyer Consultation look like?
How Much Equity is in Your Home: Can you take away enough money from the sale of your home to help propel you into the next one? 
When Do You Start Searching: Should you search for a home first or should you sell your home first?


How to sell and buy a home at the same time

This is your comprehensive guide for buying a new construction guide in Northern Virginia! 


buying a new construction home


A recap of the buying process...




Let's talk about it





Your offer is accepted - yay! HERE'S WHAT'S NEXT


Congrats! You have already accomplished step 1 and we are well on our way to establishing your specific game plan for buying your new home! We will continue to guide you through the pre-approval process and will continue to work with you on updating your goals, timelines, home search criteria, deal breakers, must haves and all the things that are important to you.

I'll set you up on a digital home search based on the criteria discussed at your initial consult. From there, we'll coordinate in person or virtual showings based on listings you're interested in that match your criteria. *24 hour notice possibly required for showings. 

We're only human, so if any of your criteria changes during the time it takes, please let me know and I can update your search for you. 

It is so helpful for you to share your faves with me from the Homesnap app. This app is connected to our MLS and has the most up to date information. Some of the other apps have outdated information, so I am happy to look into homes and see if they are 'under contract.'  Please do not press 'book an appointment' on an app like zillow,, trulia, because this starts another conversation with a new agent, who is NOT the listing agent. Please direct questions about homes to me and I will find out more information. 

First, we need to talk strategy. Are there other offers on the table, how long has the home been on the market, how does the list price compare to other homes in the area, what can we do to accommodate the sellers, what is the assessed value, etc. How do these compare to the goals we discussed in our initial consultation and what contingencies do we need to include? We'll use digital signatures to sign offer docs.

Be prepared to negotiate with the sellers. They may counter our offer on price, closing date, inclusions, etc. From here we'll determine our next steps and proceed accordingly. *It's important not to let your emotions get involved here. We need to look at this logically so you can make smart real estate decisions.

All offer documentation will be forwarded to your lender. You will submit your earnest money to the sellers (typically within 3 days of ratification), start your loan application and schedule your home inspection (if applicable). I'll be sending you a timeline of dates and deadlines along with weekly updates to keep you on track and in the loop.





I will share my list of Home Inspector recommendations but feel free to choose anyone who is licensed in the state of Virginia. They will coordinate a date and time to do your in person home inspection and share a digital report following the inspection. I encourage you to attend the inspection and learn as much as you can about the house. The cost of the inspections vary - home is about $500-800, well is about $100, pest is about $40-50, septic is about $800-1000. These are all up front costs.

You will start the loan application process with your lender and submit all required documentation. They will then order an Appraisal to be done by an independent 3rd party Appraiser to verify the market value of the home. This is usually paid up from and is about $500 



Between now and closing is when we'll need to make sure all contingencies in the offer have been satisfied. If there were repairs required from the home inspection, a home sale contingency on your end, other inspections being done, etc. Once these are completed we're almost there!



Once your contingencies have been satisfied and your financing has been approved, you'll receive your final loan commitment and clear to close from the lender. Your lender will reach out to your employer 3 days prior to closing to verify your employment - make sure they can get a hold of your supervisors' information. Our final step prior to closing is to schedule a final walk through of the property. We'll want to go through and make sure everything is as agreed upon with the sellers. Typically, we recommend hiring a professionally cleaning company to clean your new home the day of closing and prior to moving in, so that it's clean and ready for you. 



It's finally closing day! Time to sign all the official paperwork and get the keys to your new home! Plan to arrive to our scheduled place of closing on time and with a check in the amount determined with your lender. Bring Photo IDs and plan to be here for about 45 minutes. Once everything has cleared, you'll receive your keys and are off to celebrate!


work commute


Location, location, location

Home search factors

Rules of happy house hunting

Feel free to go to open houses, but let them know you have a REALTOR and give them my name. 

Open houses

If you decide to build in a new subdivision, call me. I will accompany you to the model home for the first time. If you do find yourself at a model home, let the sales agent know I am your Realtor. You may find the sales office will pressure you to sign something. Don’t. Call me at that time. :)

New construction

If you want more information on a house, e-mail me. Do not call the sign. I can help you with any listing including For Sale By Owners.

Sign posts

Please note most showing appointments require a 24 hour notice.


Note many sellers have audio and video surveillance on the property. We need to be mindful of what we say during showings.

Smart home devices

Text/phone is always the best way to reach me ASAP. E-mail will always be used to send over important information.


I'm Chloe, your local Loudoun County real estate agent 

Hunt Country Sotheby's International Realty
Best of Loudoun 21, 22, 23
NVAR Platinum Top Producer
DAAR Top Producer 

more about me

hey there!

What is a listing agent? 

A listing agent’s role is to work on the behalf of the seller to promote the interests of the seller with the highest good faith, statutory duty, and loyalty. The listing, or sellers, agent must disclose all adverse material facts about a property. A separate written listing agreement is required, which sets forth the duties and of the brokerage, agents and sellers.

Frequently Asked Questions

What is a buyer's agent? 

A buyer’s agent works solely on behalf of the buyer to promote the interests of the buyer with the highest good faith, statutory duty, and loyalty. The agent negotiates on behalf of, and acts as an advocate for, the buyer. A separate written buyer agency agreement is required which sets forth the duties and obligations of the sales representative and the buyer.

What are my initial out-of-pocket expenses?

Earnest money: This is your cash up front to show good faith that you plan on proceeding with the contract and abide by deadlines. In our market, earnest money deposits are commonly around 1%-3%.

Inspections: You should always exercise your option to have the physical condition of the property inspected. A general home inspection will run you between $400 and $700. Septic will be about $800-1000. Pest inspection is about $40-50. Well is about $100 including coliform + E. coli testing.  

Appraisal: The exact amount is dependent on your loan type. Ask your lender if this fee is paid at closing, or up front.  Typically about $500-600 but this varies by lender. 

How much should my down payment be? 

Depending on the type and terms of your loan, your down payment may be anywhere between 0%, 3%, and 20% of the home’s sale price. Many buyers believe that “bigger is better” when it comes to down payments. In many cases, this may be true. 

However, the arithmetic will differ from case to case. A bigger down payment means smaller monthly payments and lowers interest expense for as long as you remain with a mortgage. A smaller down payment, on the other hand, may allow you to keep extra cash liquid and available for an emergency.

How much are my closing costs? Are these different than the down payment? 

In addition to the down payment on your home, you will be required to pay fees for loan processing and other closing costs. These fees must be paid in full in cash at the time of the final settlement, unless you can include these in your financing. 

Typically home buyers will pay between about 1.5-3% percent of the purchase price of their home in closing fees. In some instances, buyers can negotiate that the seller pay all, or a portion of, closing costs; this is part of the offer and negotiation period. That said, here are some of the fees that make up closing costs.

What are property taxes?

This amount must be calculated to determine how much the buyer and seller must pay for the prorated portions of the tax year.

What are 'points'?

This amount is charged to reduce the interest rate through the life of the loan.

What is 'title insurance"

The title insurance policy is paid for by buyer at closing. There are different policies, e.g. enhanced versus basic. You can direct these questions to your title company 

Loan origination fees? 

The lender charges this fee to process the loan. It may be paid prior to or at closing by the buyer.

Appraisal fees?

Charged by the appraiser to determine the value of the home, these fees are paid by the buyer, usually at closing (but sometimes outside of closing, depending on the lender).

What is property insurance?

Paid by the buyer to insure the property, this may be paid to the insurance company prior to closing or included in the closing transaction.

Do I need a survey? 

We highly recommend that you purchase a survey through the title company so that your title insurance will protect you from any easements, encroachments, etc that are found after the time of purchase. This is also beneficial if you plan on building a fence, pool, etc. 

shoot me an email

Our real estate business is built on the concept of putting your needs first. That means that whenever you have a question or need - we are here for YOU!

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