Congratulations , you have either decided to purchase your first home, trading up or downsizing .. What you need to consider when working with a professional is experience, honesty and a basic down to earth hard working individual..
PRE-QUALIFICATION...
It Is very important, more than you might understand...If for any reason you are not properly pre-qualified up front you stand a chance to loose about $1,000. on non-refundable fees..Such as the Mortgage application Fee,inspection fees, attorney review fees...all together will amount to if not exceed $1,000....ALL NON REFUNDABLE...this of course does not mention allof the time you spent running around, plus the emotional let down that you can't get what you want...This can all be avoided up front with a professional who really cares about providing you service....
Getting to know you and your needs are very important .Not just the basic questions of price range and bedrooms for instance..
Knowing more about you about your plans...maybe a two bedroom with the capabilities of future expansion may be suitable for your immediate needs, instaed of insisting on that three bedroom right now ..
Knowing about your commute to work for instance I can perhaps suggest other communities you have't thought of to help you broaden your search...
Many Buyer Agents will only show you thier own listings or only thier office listings to MAXIMIZE there bottom line...limiting your choices of homes to see...With my program ALL homes that are available , will be available for your preview...It has been my position for years that service comes first...As a matter of fact with the fast pace of the business today , for my loyal Buyers I update the computer 3,4,.. 5 times a day...Keeping the Buyer informed IMMEDIATELY of not only new listings but also PRICE reductions..and notices when properties come back on the Market when a contract falls apart for one reason or another...
When showing the property care is taken to not only show you the major selling points but also to point out any potential problems and strongly recommend second opinions from appropriate inspectors....
Before making that final committment to make an offer, if you are not familiar with the area, then we would do a thorough tour of the general area..Just to make sure there are no community waiste disposal facilities ..or any other environmental sensitive facilities in the area....
And finally you need the professional guidance and attention to all of the details in making the transaction proceed as smoothly as possible...You will have deadlines that must be met in a timely manor, If not it could be costly....
There is a wealth of information at the Federal Reserve Board web site ..to understand mrtgages,credit, Fair Lending,The Mortgage Application and much more click here
For IMMEDIATE ATTENTION TO YOUR HOME BUYING NEEDS.. CALL NOW 973-930-5033..or fill out the following form:
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THOUSANDS OF HOMES...
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PRE-APPROVAL VS. PRE-QUALIFIED
PRE-APPROVAL usually means the applicant
has gone through the process of running the credit report,
Current Employment and past work history have been confirmed, Salary has been confirmed,
and confirmation of Source of funds have been validated.
PRE-QUALIFICATION
usually means that the preceding qualifications have been verbally discussed but have not been confirmed and such
approval is subject to confirmation....
PERSONAL & CONFIDENTIAL
IF YOU DO NOT HAVE A PRE-APPROVAL YET
PLEASE PROVIDE THE FOLLOWING
ALL INFORMATION WILL REMAIN CONFIDENTIAL :
BUSINESS RELATIONSHIP:
WE WILL REPRESENT YOU
AS A BUYER AGENT, UNLESS WE SHOW YOU
OUR OWN LISTINGS WHERE WE WILL
ACT AS A DISCLOSED DUAL AGENT
PLEASE PRINT OUT AND READ THE FOLLOWING
CONSUMER INFORMATION STATEMENT
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