As a Buyer, it usually costs you nothing to hire a real estate professional to help you find and purchase a home. The value and experience that Skilled Real Estate brings to our buyers is exceptional. Not only will you benefit from our negotiating skills in the contract phase, but you will also have access to our tremendous knowledge of the mortgage market, which allows us to present you with the best financing options available. As always, whenever you’re choosing a professional, get referrals from friends, relatives, and co-workers, or look for online reviews from past customers. Keep in mind that it’s best to work with an agent who knows the neighborhoods you’re interested in so that you have more insight of the area. Take your agent’s advice to heart, ask as many questions as you need, and make the best decision for yourself. Contact us with any questions, and we’ll be happy to help.
Our mission is to help our buyers get into the home that they love. We help our buyers search high and low to ensure they are looking at all of the possibilities before making the decision of which home to purchase. Our goal is to make our buyer’s overall real estate transaction experience as enjoyable and as smooth as possible.
WHAT YOU CAN EXPECT FROM US AS A HOME BUYER:
Understand the Process: For some, buying a home is something they have done before and are comfortable with. For others, it is a daunting first-time process that can be quite overwhelming. If needed, we’ll sit down with you and explain the home-buying process from A to Z so that there is no confusion on how things work. One thing is important to remember…as a buyer, you pay NOTHING for our services. Our commission comes from the selling party. What this means is that when representing you as a buyer, our loyalty is always to the you. With companies that list property you can end up with dual agency or designated agency. ( Where one agent or one company attempts to serve both the seller and buyer.)
Getting Pre-Qualified: We encourage all of our buyers to get pre- qualified before beginning their home search. This allows you to know how much home you can afford or feel comfortable purchasing.
Beginning the Search: We will send you a full list of homes available within your specific criteria to view. You can then start making your list of homes you would like to see. We will continue to send you automatic emails as new homes become available on the market or as homes experience price changes so you are continually updated about what is going on in the current market.
Viewing Homes: We will pick a day that is convenient for you to begin viewing properties and adding them to your short list of potential homes to consider for purchase.
Writing an Offer: After you have decided which home you would like to purchase we will sit down together and discuss what you want to offer. We will conduct research and inform you on our opinion of the home’s value in today’s market. Once we have agreed on an offer to submit, we will draft all of the paperwork for you to review and sign.
Negotiating a Deal: Sometimes the initial offer is not accepted and the seller will counter. We will advocate for you as the buyer and negotiate with the selling parties to get you a fair and reasonable offer.
After Your Offer is Accepted: After your offer has been accepted by the seller, we will schedule a home inspection at a time that is convenient for you. The inspector will perform an in depth home inspection and provide you with a report for your review. We will review that report and discuss whether or not you would like to ask the seller to make any repairs to the home prior to your purchase. If major issues with the home are discovered, you will have the option to terminate the offer at this time.
Financing: Once we have completed the home inspection and feel comfortable moving forward we will instruct the lender to order the appraisal which will be performed to determine that the price you are paying for the home is adequate within the market place. After the appraisal has been completed, the lender will send the appraisal to the underwriter for review to ensure the purchase price is fair and there are no repairs needed.
Signing: Once the lender has all of the documents needed along with the appraisal, the file will go to final underwriting where the underwriter will verify employment again and review all documentation gathered to obtain a loan. Upon approval of final underwriting the lender will have the documents drawn up which will then be sent to the title company. The title company will prepare all of the documents and we will schedule a time for you to sign them.
Closing: After all parties have signed the documents with the title company, the lender will wire the funds and the file will be released for recording. Once we are informed that the home has recorded (this can take a day or two after everyone signs) we will notify you that you are officially homeowner’s!
After Closing: After you have closed on your home we will be here to answer any questions, provide recommendations on local services, and provide you with a free updated market analysis on your home if you are curious about what your home’s worth or if you are thinking about selling.