It is about more than four walls and a roof...
While we realize that home buying can be exciting, it can also be emotional and stressful, even for those familiar with the process. Our goal is to make home buying a simple pleasure.
When you work with us, we put your needs first. We truly want you to make the right purchase – through thoughtful decision making, not emotions. We understand that every buyer is different, with different needs and expectations. Therefore, we do not have a “one size fits all” real estate formula. We work with each individual and family to meet their goals, managing the process every step of the way. Let us help you find the ideal property for you.
As Your Buyer's Brokers, We Will...
1. Personally assist you with identifying your needs and wants. We can then begin to look at houses that have the features and location that are most important to you.
2. Notify you the moment appropriate properties come on the market.
3. Advise you on current market values to help you make the most educated investment.
4. Strategize with you on writing a solid, competitive offer.
5. Negotiate the best transaction for you based on your needs.
6. Make recommendations regarding home inspectors, title companies, mortgage brokers, and contractors from a proven list of reputable professionals.
7. Coordinate the entire buying process from ratification to settlement and beyond.
The Buying Process...
A step by step guide to the buying process
1. Hire a real estate professional to represent you.
Many buyers do not realize, unless a buyer's broker agreement has been signed, a real estate agent's fiduciary responsibility is to the seller - this is the law. Protect your interests, become a client not a customer by signing a buyer's broker agreement.
2. Shop for mortgage rates and terms.
A difference of even half a percentage point can mean a considerable savings over the life of a loan. For example, the difference in the monthly payment on a $100,000 mortgage at 8 percent vs. 7.5 percent is about $35 per month. Over 30 years, that's $12,600.
3. Prequalify for a loan.
Early on, you will want to get prequalified for a mortgage loan, which determines how much you can afford. It allows you to move swiftly when you find the right home. It also indicates to the seller that you are serious about home buying and can afford to purchase the property.
7. Arrange for a home inspection.
After your offer is accepted, next comes a home inspection by a licensed home inspector. This is the time to ask any questions you may have about the structure and systems of the house. How is the roof? Does the furnace work? Is there any concern with the drain pipes, etc? It's common to find problems, including leaky roofs, cracked walls, insect infestations and foundation problems. But by using a reputable inspector, and learning about these issues up front, we can then negotiate to get the issues resolved -- either by money returned to you at settlement or by the seller fixing the issues at hand, to your satisfaction. A final inspector's report also is a good thing to have for future year's as it forecasts what areas of the house may need attention sooner than later.
Before your closing date, we will make sure you've made all necessary deposits and completed the paperwork - including mortgage, title, homeowner's insurance and any other paperwork required by local or state governments. We will be there to help you complete that closing checklist and avoid any last-minute snags. We will do a walk-thru of the property with you, just prior closing to make sure everything is as expected. Again, we are here to keep your stress to a minimum so you can enjoy every moment of the home buying process.
9. Prepare for life in your new home.
Before rolling out the welcome mat, consider some moving basics: turning on electricity, water and gas, cleaning or replacing the carpet, and notifying your local post office of your new address. For a complete list of moving tips, check out our Moving Checklist.
4. Outline what you want.
The next step in home buying is to create a realistic idea of the property you would like to buy. What features are most important to you? Make two lists: one of the items you can't live without and one of the features you would enjoy. Sometimes as you go through this process, your ideas become refined. No worries! We will continue to show you houses that meet your expectations -- until we find the house that is right for you!
5. Visit properties.
Now you're ready to visit properties. We will assemble a list of homes that meet your parameters. The first time we go out to see property, expect to spend 3-5 hours. This way we can see most of the available inventory that fits your parameters. Thus, giving you a solid understanding of the current market.
6. Make an offer.
Once you've pinpointed your dream house, it's time to get serious about the financial and contractual side of the purchase. We will guide you through writing a winning offer.