Buyers and Sellers

There has never been a better time to buy real estate than right now. Interest rates are at historic lows, conventional financing is available, FHA loans are on the rise, and sellers are motivated!

• 1. Obtain a ‘pre-approval’ letter from a lender:
  
  • Find out what loan amount you qualify for
    
  • Get an idea of monthly mortgage payments by asking lender for a ‘good faith’ estimate
    
  • Learn about different types of loan programs and determine which is best for your situation
  
  
• 2. Decide on a Real Estate Agent to represent you:
  
  • An agent will guide you through each step of the process
    
  • An agent will help with the negotiations with a seller
    
  • Remember that the seller typically pays all real estate commissions (for the listing agent and for the buyer’s agent)
  
  

Selling a home in today's market is a challenge. But we are equipped with experience, knowledge, and all the latest tools of technology and the Internet to get your home sold for the best price possible.

• 1. Identify your motivation for selling in order to set ‘selling goals’:
  
  • Your reasons for selling affect how you sell.
    
  • Financial (Usually need a quick sale)
    
  • Moving up or downsizing (may allow more time)
    
  • Job relocation (Usually need a quick sale)
    
  • Cashing out or retirement (may allow more time)
    
  • Marriage or divorce
  
  
• 2. Select your realtor:
  
  • You want to choose someone with experience and a style that you can work with.
    
  • Interview agents and have them give you a listing presentation
    
  • Get agent referrals from friends, neighbors, and co-workers
    
  • During your selection process, be sure to ask about agent’s track record, how he will communicate with you, pricing strategies, realtor fees, and marketing plan.