Looking for a specific type of house? Modern, tudor, craftsman, colonial, cape cod, bungalow, contemporary, foursquare – I speak your language.
Looking for awesome walk scores, hip suburbs, waterfront properties, great commutability or the quiet wilderness? I can find the perfect location for you.
You’ll always be informed! This is about you after all. From fine tuned property updates, to my step-by-step buyers guide, you’ll always know where you are in the process.
Whatever your reasons for buying, finding the right home in the perfect neighborhood, and at a cost that is within your budget, is no small task. That’s why many buyers choose to work with a full-service, licensed real estate professional, like myself, to guide them through the process. I have detailed information about properties for sale by every company, and can make appointments to see any home that you’re interested in.
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- Guided Buying Process
- Moving Up
- Know The Process
- Need To Sell Current Home
- Looking For A Project
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Frequently Asked Questions
What is a buyer’s representative?
A buyer’s representative (also buyer’s rep, or buyer’s agent) is an advocate for the buyer—not the seller—in a real estate transaction. Buyer’s representatives owe full fiduciary (legal) duties, including loyalty and confidentiality, to their buyer-clients and work in their clients’ best interests throughout the entire transaction.
How do real estate professionals get paid?
Real estate professionals are compensated by commission, based on a home’s selling price. Commission rates are not standardized, but vary, as does how the sales commission will be divided between the agents on the selling and buying side of the transaction. There is consistency, however, in how commissions are paid. When a seller signs a listing agreement, their contract is with a brokerage firm. All fees must pass through that brokerage firm. Typically, the seller’s representative—and your buyer’s rep—will be paid by the listing broker after the transaction closes.
What is an agency relationship?
If you have not formed an agency relationship, you are probably considered a customer, rather than a client. Each buyer’s representative can set their own guidelines within their state parameters and their brokerage practices. So you should clarify, preferably in writing, the services you are entitled to receive before you start viewing properties.
It’s also important to understand that if you do buy a home, your buyer’s rep will probably receive compensation (through the listing broker), regardless of whether you are a customer or a client. So more times than not, it’s in your best interest to formalize an agency/representation relationship, so you’ll receive the highest level of service possible.
Will I pay more to be represented as a buyer?
In most cases the answer is, no. When a house is listed for sale, the seller’s contract spells out the commission rate that will be awarded to a buyer’s representative. This is known up front and typically covers all, or at least most, of your representative’s compensation.
How much house can I afford?
When evaluating how much you can afford for your home and mortgage, lenders usually use two rules of thumb:
1. Your maximum monthly mortgage payment should not exceed 28 percent of your gross (pre-tax) income.
2. Your maximum debt load, including your mortgage payment, should not exceed 30 percent of your gross income.
These ratios are typical of those required to secure a conventional mortgage. Lenders will be able to supply details about other types of mortgages, such as FHA or VA loans, which offer more flexible qualification standards. There are many types of mortgages and financial tools available that provide flexibility in interest rates, terms, and down payment requirements.
What are the advantages of being pre-approved?
There are two advantages of being pre-approved for a loan as early as possible in your home-buying process:
1. Sellers will find any offer you make more attractive if you are pre-approved for a mortgage.
2. The length of time before closing can be shorter if you’ve completed the steps to securing mortgage approval prior to signing a contract on a property.
I'm a first-time home buyer, what should I do first?
Get pre-qualified! You should determine your price range, down payment amount, and estimated closing costs. Lenders use different variables including income, debt load and credit scores to determine how much a potential buyer can take out as a mortgage knowing what you can afford makes finding the right home easier.
Do I need a home inspection?
A home inspection protects you and helps you avoid surprises after closing, and you can see the condition of the home firsthand. You can also order additional tests for radon, wood destroying insects or lead paint.
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If I didn’t answer all of your questions, feel free to drop me a line anytime.