Buying a House
Buying a House
First, let’s begin with the fact that you, when buying a house, you as the buyer of real estate will not be paying any commissions or any other upfront cash to our Real Estate Agents or Realtors to locate and help you when buying a house.
Your company, church or group has agreed to let us work with you, their employees, church or group members and we want you to want to work with us.
One of the many benefits to working with us will be that we will give you a $750 credit towards your closing costs on a purchase transaction you do, buying a house through us and our agents.
Our professional real estate agents will work at finding you a the house you will want to buy. Our agents look at more then just the local MLS (Multiple Listing Service) but also through-out the internet. Also we are always networking with the public and other professional in the field. When you hire us to be your Real Estate Agents, you will know that you have hired Real Estate Agents that knows what they are doing. Who knows the paperwork inside and out and understands the lending side of the market as well.
Buying a House and Why We Can Help
We know as real estate professionals what is needed for escrow and title to get your purchase closed. We will be able to explain the Purchase Agreement to both you, the buyer and to the seller.
Real Estate Agents that can explain counter from a seller and what they may be countering on your offer. Seller may ask for a different in in your price or terms of your to your purchase agreement offer and you need to understand what affect it will have on you.
What the possible costs to you and the monies you will need at the close of escrow.
You will also need the agents to help you locate companies that can help you with information on possible repairs you may need to do.
Doing a home inspection is a important part of buying a house. You will want to hire a home inspection company to give you a report on the condition of the house you are looking to buy.
There are a number of home inspection companies that you can hire to inspect and give you a possible list of repairs or condition of the property, such as the condition of the roof, plumbing, electrical, and the list can go on. Remember that a mistake in the buying of your home can be costly.
We can help you locate an inspection companies that will do the job right for you, one that know what they are doing, companies that are bonded, insured and have been in business for a while.
Our real estate agents, know the real estate market and know where properties are located. They can help you with information on schools, transportation and other information that will be important to you.
Buying a House, That’s What We Want
By working with us is the time you will save by getting a real estate professionals that knows areas, can explain and find a home that is correct for you and that you want to buy. Lost time on the market due to looking at properties that are price higher then you can buy, looking at areas that you do not want, because the real estate agent or realtor did not understand your needs is a no win situation.
Being realistic up front is the best way to buying house.
Buying a house in any market can be a game of numbers that will affect your bottom line. What is the best price for the property? What can you buy it for? What price should you offer, how long has the property been on the market, and what you will pay in future repairs will all add up on your bottom line.
Buying a House and You What To Know How
A good agent, just like a good doctor or lawyer, adds value to your purchase. So, we ask the right questions and do the negotiating with sellers to get you the best possible price and terms to meet your needs.
Benefits we as agents bring to the table.
*We have been in business more than one ‘bubble’ or ‘crash’ in the real estate market?
*We represent home buyers through out Southern California in all different price ranges.
*We and the agents we work with are full-time real estate agents. You will be working with an agent that know areas and homes that you will be looking for.
Buying a House, We Can Help You Relocate
*We have and can help you find other professions, such as electricians, plumbers, and other professionals you may need.
*We will ask the questions and give you the numbers upfront so we can go out to find you your future house. That way you will know we are looking for the right house for you.
*We understand the lender side of the transaction and part of our team holds a Mortgage Originator (Mortgage Lender) License.
*We also work with sellers.
*We understand the Real Estate market and how to find your future house in both the print media and on the internet?
Buy a House, Just Give Us A Call
In conclusion, the best strategy for a buying a house is to check references and performance levels of the real estate agent. When you sign with us you are signing up with honest and experienced agents who know the areas you will want to buy a house in. The agent will have a good understanding of what price and areas they should looking at to find you your future house.
Tips you can do upfront to prepare to buy a house:
You will want the lender that you will be using before you go out to see any houses to buy and get pre-qualified for a loan to buy a house.
In general the lender will ask for the following:
Your lender will need to order and check your credit report, there may be items that need to be corrected, paid or explained before they can give you an approved for a real estate loan.
They will want to see a couple of months worth of pay stubs and last year’s taxes.
They will want to know where you plan to get your down payment.
After the lender has reviewed your paperwork, they should be able to guide you with what you will need to do to get your real estate loan pre-approval.
If your have been saving money, but have not put that money in a bank account you will want to open an account and put that money in that account. Lenders want to see that the money you are using to put down to the house is seasoned and they can see where it came from.
Do not make any large purchases if you plan to buy a house.
At 4.5% interest rate, with a 30 year loan, when your buying a house you lose $10,000 of buying power for every $50.67 you make on a monthly payments, credit cards, car payments and other purchase you have or will make before buying a house.
Reduce the number of credit cards you carry. For every card you carry that you are not using and even if they have a zero balance, a dollar amount will be deducted from your monthly income, because the lender knows that you have the potential to use those credit cards, the amount lenders will deduct is around $25 per credit card, this amount can differ.
If you do not use credit and have no bills, a lender will also see that as being a problem, because you have no track record of paying your bills. You will need at less three lines of credit and your utility bills usually will count as a line of credit.
If you are thinking of buying a house in the near future, you need to plan now.
If you start looking before your ready, you leave yourself open to disappointment.
Finding the house you want and not be able to buy that house because you have problems or issues you could had corrected may be one of the worse feelings you can have.
Make a list of what you want in the house you will be buying.
Buying a House, We Also Do Loans
Call Us Directly: 909-590-1537
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