Buying
Buying Real Estate is an exciting time in one's life.
The "Top TEN List" Services Provided for the Buyer:
1. Needs Analysis
Analyze your wants and needs and help you get a clear picture of your ideal home
2. Prequalification or Pre-approval
Guide you to a loan officer to obtain prequalification or pre-approval and help you choose the best mortgage financing plan
3. Neighborhood Information
Provide you a broad neighborhood search profile from which we can obtain a list of target neighborhoods and related information for each.
4. Home Search
Organize and schedule a home search process, which includes ongoing updates, drive bys, and showings of available homes.
5. Make an Offer
We will compare homes and you, as the future homeowner, will make the decision. I will, as your REALTOR, advice you on terms and issues of making an offer.
6. Negotiating to Buy
I will present the offer and negotiate on your behalf
7. Vendor Coordination
I will provide you with a list of vendors from which you may select the one to perform the required service. Ex: Pest Inspector, Structural Inspector
8. Pre-Close Preparation
I will coordinate and supervise document preparation and we will schedule and meet for a pre-closing consultation
9. Closing
We will preview CLOSING Documents and resolve any last minute issues before completing transaction
10. Post Closing
Help coordinate move-in and assist with any post closing issues
Using a Real Estate Agent Instead of a REALTOR...
When you're looking for help buying or selling property, it's important to remember that the terms “real estate agent" and "REALTOR" are not equal.. I am a REALTOR, As a REALTOR, I provide an extra level of service and to be a REALTOR you must be a member of the National Association of REALTORS (NAR). NAR is non-profit trade organization that promotes real estate information, education, and professional standards. The National Association of REALTORS also has earned a strong reputation for actively championing private property rights and working to make home ownership affordable and accessible. The NAR members adhere to a strict code of ethics founded on the principle of providing fair and honest service to all consumers. REALTOR business practices are monitored at local board levels. Arbitration and disciplinary systems are in place to address complaints from the public or board members. This local oversight keeps REALTORS directly accountable to the individual consumers they serve and therefore the consumer is more likely to find service and accountability by using a REALTOR.
Who Pays for What at Closing:
To help you understand what expenses are involved in your real estate transaction, and what expenses you will incur, you can use the following as a ‘template’. Remember that each transaction is different, and that every item on this list may not apply to your particular situation, use it as a guideline only.| Item | Buyer | Seller |
| Down Payment | X | |
| Deposit | X | |
| Discount Points | X | |
| Origination Fee | X | |
| Loan Application Fee | X | |
| Appraisal Fee | Either | Either |
| Survey Fee | Either | Either |
| Attorney Fee | Both | Both |
| Title Search/Abstract | Either | Either |
| Recording Fee | Both | Both |
| Lenders Title Insurance | X | |
| Owners Title Insurance | X | X |
| Home Warranty Plan | Either | Either |
| Real Estate Commission | Either | Either |
| Home Inspection | X | If Pre-Inspected Seller Pays |
| FHA/VA Fees | X | |
| VA Funding Fee* | X | |
| Homeowners Insurance | X | |
| Pre-Paid Taxes/Insurance | X | |
| Well/Septic/Water Inspections | Either | Either |
| Pro-Rated Property Taxes | Both | |
Note (*) The VA Funding Fee can actually be paid up front by either the Buyer or the Seller or the Buyer may "roll" the fee into the loan amount and pay it back over the life of the mortgage.TAXES: As you know property taxes have become an integral part of home ownership. Specifically, property taxes must be paid in order to affect a transfer of ownership. The property taxes will be pro-rated to the day before closing, and a credit will be giving to the buyer from the seller at closing for that portion of the year that the seller owned the property. The buyer will receive the tax bill at the end of the year, and will be responsible for the entire amount.
Feel free to contact me on my cell (956)-245-7736 or email at paulemmertrgv@aol.com
If you like us to contact you per phone, please note the time and date that you would like us to contact you.
As your time is valuable and we respect that..
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