For Home Buyers
Whether you are a buyer who moves frequently or one who has only made a few moves in your lifetime, you need my services as a professional REALTOR. Selling real estate is a full-time commitment for me and has been for most of the past 18 years. I 'do' real estate every day so I am current with respect to state regulations, market trends and current inventory.
The entire country has experienced phenomenal changes since 2003 which created the greatest buying surges followed by the greatest (attempted) sell-off in history. Arizona and the especially the Greater Phoenix market were some of the hardest hit.
Because of these swings, it is imperative you hire a REALTOR who offers experience combined with the ability to listen to your needs. That is exactly what I provide you!
- Properties available through MLS
- For Sale by Owner
- Foreclosures and short sales
- Properties not officially "On The Market"
- Provide e-mail lists of properties
2. Confirm your purchase money will be ready for close of escrow. This includes:
- If this is a cash purchase, confirming the availability of funds from your financial institution
- Assist with the selection of a lender through interviews and Good Faith Estimate comparisons
- Loan application and pre-approval prior to aggressively touring houses.
3. Help you select the best property by:
- Diligently listening to your needs and wants
- Bring to your attention external impace issues such as road noise, light pollution and future development
- Discuss real estate principles such as 'the smallest house in the expensive neighborhood", buy in the heart of the
neighborhood" and the timeless "location, location, location".
4. Work to confirm you don't pay too much for the property by preparing a Market Analysis.
5. Negotiate the offer on your behalf for the best price, terms and conditions.
6. Attend your inspections.
7. Review your settlement statement prior to your document signing.
8. Attend your document signing with you (if that occurs locally).
9. Deliver to you the new keys to your new home!
- If you plan to pay cash, make certain the monies will be available when you need the funds to close.
- Obtain "Proof of Funds" documentation from your financial institution. (This will be a seller requirement.)
- If you plan to obtain a loan, check your credit rating . Straighten out any errors before its too late.
- Determine a comfortable monthly budget for your new purchase, including down payment and monthly payment.
- I can suggest several loan officers who will help you select a loan program that meets your needs.
- Get pre-approved for the loan.
- Determine what neighborhood best matches your needs.
- Identify important features you need your new home to have. Complete the Needs and Wants Worksheet.
- Review the Buyer's To Do List.
- Select me as your REALTOR to represent you in the transaction.
I will assist you with obtaining a financial commitment before we begin the house hunt.
- Lender fees include charges for loan processing, underwriting, preparation and establishing an escrow account.
- Third-party fees include charges for property insurance, title search, and other inspections such as termites.
- Government fees include deed recording and state & local mortgage taxes.
- Escrow and interest fees include homeowner's insurance, loan interest, real estate taxes, and occasionally private mortgage insurance.
Buying a home is an exciting time. Make the smart move and choose me as your REALTOR® is your first step to ensuring that your new home and community meets your needs. My services and experience range from financial aid to helping you find the home that best suits you and your family or your investment portfolio. For your convenience, I also provide listings by email . I pride myself on repeat business and hope you'll come to understand why.
Respectfully,
Michelle
