As a professional real estate consultantI I can provide you with many services including:

• Help you determine what’s important to you- Identify Needs vs. Wants
  • The more I know about what you want, the easier it will be for me to help you find the right home.
  • I want to help you! So please let me identify what are your needs & wants .For example: # of Bedrooms, # of Bathrooms, Minimum Living Area, # of Parking( if important), location, if school system is important, Distance from Work, Yard, Basement, etc.
• Act as your guide in your new home search
  
  • I will watch the market, preview properties, & send you the llst of properties with your criteria, & help you select the right property.
  • Provide you with any information that you need & answer your questions
  • Set up showings- appointments with 24-hr notice, & send you to open-house
    • Please make sure you work only with one agent. It is to your advantage and ethical! If you go to an open-house on your own, or you are viewing a property without your agent, please let them know you are working with your agent. Preferrably, sign an open-house guest register by putting down your agent's name.
• Lead you through the negotiating process & the contract
  1. After you have identified your desired property, I help you write up an Offer To Purchase.
  2. As your Buyer's Agent, I will research the market, analize the most recently Sold properties that are comparables to the property under consideration. I give you my expert advice on negotiating price, and the Strating Offer which sets the tone for the remainder of the negotiation process.
     • I provide insight and opinions on merits and/or drawbacks on individual properties including resale potential.
     • I provide guidance as to value of any property you may consider purchasing
     • I keep all your information confidential including motivation for purchase and highest amount you may be willing to pay.
     • I monitor your loan process, until it is satisfied
  3. I prepare the Offer To Purchase, outline the basic terms and conditions of the sale..
  4. It usually takes several rounds of offer & counter-offer before an agreement is reached. I stay with you through the entire process, and consult with you regarding strategy and counter-offers.
  5. This is a serious legal contract when the Buyer and Seller both sign the offer to purchase.
  6. After the offer is sined, as the buyer, you have a chance to inspect the condition of the property. Some times, based on the outcome of the Inspection Report, some terms can be renegotiated, if necessary. I will provide referrals and recommendations for home inspectors & attorneys.
  7. After inspection, Purchase & Sale( P&S) Agreement is outlined by the Seller's attorney, and reviewed by the Buyer and Buyer's Attorney. This document outlines all the specific legal requirements between buyer & seller.
  8. Tapically the Buyer needs to put down 5%-10% of the Purchase Price at signing of the P & S.
  9. At this point, I help you contact your lending institution to get the loan process activated. You usually need the signed Contract to Purchase to proceed with loan application.
  10. I will help with smooth interaction between all parties (buyer, seller, real estate agents, mortgage brokers, attorneys.
  11. Here is what happens at the Financing Process for Your New Home, :
      1. You complete the loan application. An application fee is usually required by the lender.
      2. Lender begins the application processing.
      3. The lender requests an appraisal of the home, a credit report and verification of employment and assets.
      4. The lender provides a booklet which contains specific loan information, and a Good Faith Estimate of Closing and related costs.
      5. An estimate of your loan costs ( Truth-in-Lending Disclosure Statement) is issued.
      6. The lender evaluates the application and the supporting documants, and approves the loan.
• I will be with you at the Closing. This is where the legal ownership changes hands
  • You sign the closing documentation and the loan is funded.
  • The lender disburses the funds to the closing agent. Seller is paid and the title to the home becomes yours.
  • The appropriate documents are recorded at the county registry of deeds.
• Stay with you beyond the closing
• • I will not vaish after the sale.
  • I want to earn your referrals.
  • Use me as a resource for all your real estate and home needs.
  • If you are happy with me, then let me help people you know as I helped you.
  • Best way to let me know I did a great job is to refer people to me.

  The Purchase Process

• Offer To Purchase
  • Is a serious legal commitment, and a binding contract
  • May take several rounds to come to agreement
  • Outlines basic terms and conditions of the sale
    • Price, dates, conditions, financing
    • $1,000 deposit check
• Inspection
  • Chance to understand condition of property
  • enegotiate some terms based on report if necessary
  • Cost from $350 depending on the property
• Purchase & Sale
  • Standard agreement outlining all the specific legal requirements between buyer & seller
  • Typically need 5% to 10% down at P&S
  • The lender requests an appraisal of the home, a credit report and verification of employment and assets.
  • The lender provides a booklet which contains specific loan information, and a Good Faith Estimate of Closing and related costs.
  • An estimate of your loan costs ( Truth-in-Lending Disclosure Statement) is issued
• Mortgage Commitment
  • Date by which you have to secure financing
  • The lender evaluates the application and the supporting documants, and approves the loan.
• Closing
  •  When the ownership changes hand. Cost 2-5% of the loan amount.
  • You sign the closing documentation and the loan is funded.
  • The lender disburses the funds to the closing agent. Seller is paid and the title to the home becomes yours.
  • The appropriate documents are recorded at the county registry of deeds.