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Debbie
Taylor
"I
have the Keys to your real estate needs"
Below are some helpful hints for buying
and selling your home
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Buying a Home...
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Selling a Home...
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As a trained,
professional Realtor®, I offer these advantages as your
Certified Buyer Agent.
Access to Thousands of
Homes For Sale
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I can save you time by locating the
ones that suit your needs. |
Correctly Written Contracts
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I am a skilled technical writer of
real estate contracts. |
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A poorly written contract wastes time
and is not enforceable. |
Skilled Negotiations on Your Behalf
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I am a trained and skilled negotiator
and will apply my experience on your behalf to get the
best possible transaction based your needs. |
Advice and Counseling to Protect Your Interests
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Price |
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Deposits |
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Financing Terms, loan contingencies |
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Personal property |
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Condition of property inspections,
termite, environmental Title Insurance |
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Drafting counter offers |
Explaining the Seller's Counter Offer
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Disclosure for Agency |
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Time for acceptance and method of
acceptance |
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Special requirements |
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As-is claims |
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Possession |
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Damages |
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Settlement |
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Surveys |
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Home Warranty |
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Fair Housing Compliance |
From Sale to Settlement
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Selecting the inspector |
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The inspection process |
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Selecting an attorney |
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Selecting the lender |
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Making application and following up |
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All the other details as they arise |
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Negotiating any problems |
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Going to settlement! |
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As part of a
mutual agreement, you can elect to create a buyer agency
relationship that will entitle you to personal client
level services, including:
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Loyalty |
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Obedience |
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Disclosure |
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Confidentiality |
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Accounting in dealings |
A buyer's agent will represent you and
your interests in the purchase of your home. This is
different from a typical sub-agency transaction where the
buyer is not technically represented.
The selling agent has the duty to
exercise reasonable skill and care in the performance of
the Broker's duties. This is the duty of honest and fair
dealing--to disclose all facts known to the broker which
may affect considerations to be paid for the property.
A dual agency situation can arise if
previously entered into an agency relationship and
subsequently look at a property listed with our company.
This is potentially a challenging situation because it is
difficult to afford both parties full client level
services.
Dual agency should only be entered into
with the written agreement of both buyer and seller.
Agency is a legal relationship and a
written agreement should be completed to explain all the
duties and responsibilities. |
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Agent comes to
understand your particular needs
You develop rapport necessary to
communicate easily
You become familiar with how the agent
works
You can place confidence in that
agent's ability
Agent can afford to make a commitment
in time and effort because she can feel assured of
making a sale
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Comparative Market Analysis
A written report of the transactions in
the neighborhood to identify similar proper ties that have
sold recently and are currently on the market in an effort
to deter mine a realistic price for the subject property.
Financing Proposals
Written Proposals such as Buyer
Qualifications, Financing Plans, 15 year vs. 30 year
mortgages, Adjustable vs. Fixed rate mortgages, Rent vs.
Buy, Repurchase Analysis, and Amortization schedules that
will help buyers and sellers in the decision making
process.
Homeowner's Tax Worksheet
A detailed and organized method of
tracing the basis in a personal residence in order to keep
the gain as low as possible. This is especially important
if the homeowner is considering the $250.00 or $500.00
exemption.
Marketing Preparation Guide
A report designed to help the homeowner
maximize the marketing efforts by improving the condition
of the home, "setting the stage" before
showings, and knowing what to do when the property is
being shown.
Homeowner's Analysis
A simple and easy to understand form
that shows the tax advantages of owning a home and the net
cost of housing after applying them. It also illustrates
the investment potential of home ownership.
Relocation Package
A complete portfolio of information
about the city you are moving to. This can be very helpful
in orienting you to the local housing market as well as
schools, shopping, transportation, entertainment, and many
other things. |
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Your
answers to these questions will help me to determine your
specific needs
How Can I Help You Best
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Tell me
about your past buying and selling experiences |
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Have you
used the services of a REALTOR before? What was your
experience? |
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How would
you describe your present home? |
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What
features do you have in your present home that you
would like to have in your future home? |
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Have you
seen any homes that you like? Why didn't you buy it? |
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If we found
you a home today, are you ready, willing & able to
buy and decide today? |
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Why did you
decide to move now? |
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What could
you do without, if you had to? |
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Why did you
buy your last home, and what didn't you like about it? |
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What
REALTOR services are important to you now? |
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When do you
need to move? |
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What are
the features of an area or subdivision that are
important to you? |
Other Items
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Buyer's
remorse |
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Other
people's opinions |
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The
"hot button" - What is the one thing you
want in a home, realistic or otherwise? |
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How many
homes do you expect to see before making a decision to
purchase? |
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Income
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Addresses for two full years |
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Gross monthly income |
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W-2s, if available |
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Proof of pensions, retirement,
disability or Social Security |
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Proof of income from rentals,
investments, etc. |
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Proof of child support or alimony
paid/received |
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Year to date pay stub |
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If self-employed: |
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Two years 1040 Tax Returns |
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Current year profit and loss
statement |
Creditors
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Each creditor's name, address and
type of account |
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Account numbers |
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Monthly payments and approximate
balances |
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Amount of child care expenses |
Banking
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Names and addresses of saving
institutions |
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Account numbers for all accounts |
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Type of accounts and present
balances |
Miscellaneous
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List of assets in stocks, bonds,
land |
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Life insurance cash value
(documented if used as cash down payment) |
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If applicant is selling a home, a
copy of sales contracts |
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Social Security numbers for all
parties |
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Veterans - Certificate of
Eligibility & DD-214 |
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Cash or check to pay for application
fee |
Realtors®
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Copy of sales agreement |
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Copy of listing on property |
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Instructions on how appraiser is to
gain entrance |
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1.
Make a Decision to Purchase
2.
Select a Sales Associate / Buyer Agent
3.
Choose Form of Agency
4.
Determine Needs and Desires
5.
Determine Purchasing Power
6.
Get Pre-Approved For Loan
7.
Preview Homes
8.
Making Offer to Purchase
9.
Home Inspection, Financing, Other Contingencies
10.
Contract Acceptance
11.
Mortgage Application (Credit & Appraisal)
12.
Accompany Home Inspector (if required)
13.
Select Settlement Attorney
14.
Mortgage Approval
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Arrange Termite Inspection
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Contact Utility Company
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Obtain Hazard Insurance
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Pre-Settlement Walk-Thru
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Settlement
20.
Moving!
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You will be
required to bring several items to the settlement or
closing, including a copy of a homeowner's insurance
policy (for fire, theft, and other contingencies) and a
paid receipt representing one year's coverage. In some
cases the lender will require delivery of this and the
termite documentation prior to settlement. You must also
have a cashier's or certified check for the balance of the
down payment and closing costs.
Although the lender will have provided
you, the purchaser, with a Good Faith Estimate of Closing
as part of the loan application process, your settlement
attorney will also calculate for you approximately what
you will owe. The following checklist includes some of the
items in the closing costs. Some of them are
tax-deductible, and certain of them may not be applicable
in your situation:
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Loan Origination Fee |
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Loan Discounts or points |
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Appraisal Fee (due with mortgage
application) |
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Credit Report (due with mortgage
application) |
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Underwriting and Document
Preparation Fees |
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Mortgage Insurance Fee |
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Assumption Fee |
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Settlement of Closing Fee |
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Abstract or Title Search |
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Title Examination |
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Survey Fee |
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Termite Inspection Fee |
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Tax Service Fee |
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Transfer tax |
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Recordation Tax |
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Escrow for Taxes and Insurance |
After the contract has been ratified,
and your loan has been approved, you and the Seller will
attend settlement, you will sign your loan documents, | | |
