Buyers

Trying to find a home on your own can be time consuming. Working with a Realtor will make your search more efficient and less stressfull. I will work closely and patiently with you to find the home of your dreams.
As your Agent, I will:

• be your advocate and represent you in all phases of the transaction
• search for homes that meet your criteria.
• help you determine how much house you can afford.
• protect your interests.
• show you all the homes that meet your criteria.
• negotiate the best possible price with the seller.
• recommend a list of lenders, home inspectors, insurance agents and other professionals needed for your purchase.

Together, we will follow the following steps to buying your new home:

• Getting pre-approved
• Looking for a home
• Making an offer
• Conducting a home/termite inspection
• Conducting the final Walk-through
• Closing

Pre-approval means that your income, assests, and credit have been reviewed to the satisfaction of the lender. A loan will be issued, subject to satisfactory appraisal of the property. Providing a pre-approval letter with your offer to purchase a house increases the credibility of your offer in the eyes of the sellers who often have several offers to consider. I will provide you with a list of recommended lenders. Be practical when getting pre-approved. Make sure that you will be comfortable with your monthly payments.

• Social Security Number
• Minimum monthly credit card payments
• Monthly payment for car loan
• Bank statements
• Stock/bonds and mutual fund account statements
• 401(K) statement
• Amount you owe on your current home

Before you start looking for a new home, identify your needs and preferences

• Number of bedrooms needed
• Number of baths needed
• Desirable neighborhoods
• Style of home ( Single family,Townhome,Condominum, etc ...)

Once you find the home you desire, I will research all recent home sales in the area to determine the fair market value of the house. We will use this information to develop a competitive offer without overpaying for the house.

Purchasing a house is one of the most important purchases in ones life. It is important to know what you are getting. I can't stress enough the importance of having a thorough home and termite inspection by a qualified professional. I will provide you with a list of recommended home and termite inspectors. Once the inpsections are complete the terms of your contract can usally be renegotiated.

The final walkthrough is generally conducted 24 - 48 hours before closing.
The purpose of the final walkthrough is to verify:

• that all items you have contracted to buy are still in the home( stove, refrigerator, etc...)
• all debris have been removed from the home and the home is clean
• all repairs have been completed.

Closing is the final transfer of the property from the sellers to the buyers. You should bring the following information to closing:

• Identification
• Home Owner Insurance Policy( secure home owners insurance one or two weeks before closing)
• Certified funds for closing

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