Help for Buyers

We'll help you find exactly what you’re looking for by learning about your family, lifestyle and budget. No wasted time and no wasted money. You'll be presented with a selection of houses to fit your needs. From this group, you can find the house you’ll love to make your home.

Assisting Buyers

Our goals are to match your needs and wants to available homes.

We believe homes sell themselves and won’t ever ask you to buy a home you don’t like.
As a member of the Multiple Listing Service, we can show you homes listed by other real estate companies.
We will respect your price limits and encourage you not to 'get in over your head.'
You'll receive the time you need to find the right home and never be rushed in your selection process. Once you find the right home, we will encourage you to act quickly. The home you saw today and want to think about until tomorrow may have been seen by someone yesterday who wants to buy it today!
Buyers get the best service by working with ONE Realtor. Loyalty provides assurance you’ll get top priority from us.
Buyers want competence and friendship. We'll provide both!
We'll tell you upfront what to expect, teach you the buying process, and provide you with copies of all sales and forms for you to review prior to your purchase.
We may not know all the answers – but rest assured – we'll make every effort to get them, and from reliable sources.
We promise to do everything in our power to make your next move the best you have ever experienced and provide you with unparalleled service.
Bottom line, we are more interested in making a difference than making a dollar.

Buying Process

We will help you find the property you want and walk you through every step.

When you are ready to make an offer to purchase a property, we will prepare all the necessary paperwork. You will be asked to make an earnest deposit to show the seller your intent to proceed with the purchase. Your earnest deposit will be applied towards the closing costs.
The seller may accept your offer, make a counter offer amending one or more points of your offer (such as price), or completely reject your offer (this is rare).
You may accept the counter offer, make a new counter offer or reject the seller’s counter offer.
When a purchase agreement has been reached between you and the seller, your earnest deposit check is deposited into a non-interest bearing escrow account at a title company. It will remain there until closing, at which time it will be applied towards the closing costs.
Next, you will do a mechanical property inspection to make sure everything is in working order. We recommend hiring a professional company to do this. The cost is usually $275-400, depending on the size of the home you are purchasing.
Before signing the contract, you will receive full disclosure forms from the seller about the house. This states whether the seller has experienced any water damage, the age of the furnace, roof, etc.
Within two weeks of closing, you will also receive a Termite Inspection Report to determine whether or not there are active termites in the structure. If there are active termites, the seller will have to pay to have it treated. Termite companies get paid only if they find termites, so they look very hard for them.

Loan Process

Before the offer is made, you will contact a loan officer with a bank or mortgage broker to begin the loan process. This is a two part procedure.

First is qualifying you as a borrower. The loan officer will require such things as 2 years past tax returns with W-2′s, 3 months past bank statements, 30 days past pay stubs, etc.
The second part qualifies the lender, stating that the collateral offered by the property is sufficient to cover the amount of the loan you wish to make. This process usually takes about 20 days to get the verifications of date you submitted and get your final loan approval.
In the mean time, you will get a pre-qualification letter stating pending the verification of the data you submitted, you are qualified for the loan you need to make your purchase.