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First-Time Home Buyers - FREE Personalized Consultations
Buying
Your First Home? Realtors Are Your Professional
Guides.
Make Sure You Choose a Top Expert.
Buying a home is probably
the biggest purchase you will ever make, and it involves many
difficult decisions. You might be a bit afraid or intimidated
by the
whole process of buying your first home. It is my job to guide you,
from beginning to end. I will take the time to go through each and
every step of the buying process. There are no dumb questions!
I will help you to make
informed decisions, educate you to the marketplace, provide you with
financing information, prepare contracts on your behalf, guide you
through the negotiation process, and much, much more.
Please Read On.......
When you work with
me, as your professional real estate agent, I will:
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I set up an initial
meeting either in-person or over the phone to get to know you,
to understand your housing needs and requirements, to answer all
of the questions that you have, and to set fourth a plan of
action to Exceed Your Expectations in meeting your needs and
requirements.
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I search our computer files (MultiList - MLS) for homes meeting
your needs.
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I will inform you via e-mail and/or via phone
if requested, as soon as, and in some cases, even before, a home
that meets your requested specifications becomes available for
sale.
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I schedule visits and arrange private tours to homes
that are of interest to
you.
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I perform market analyses of active, pending
and recent sold properties in the area.
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I discuss the results
of the market analysis with you in preparation for writing an
offer to purchase a home.
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I prepare and write all contacts on homes you wish
to purchase, and review with you, all counter-offers which may result.
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I will assist you in
all aspects of financing and obtaining a mortgage.
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I specialize in, and handle all aspects of contract
negotiation on your behalf.
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I will stay on top of,
and work
through all contract contingencies, and represent you every step of
the way, through settlement, and beyond.
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I am available to you
7 days a week, 24 house a day! I always carry a mobile
phone, which gives you direct access when you need to speak to
me right away. If I cannot answer your call directly, I
promise to return your phone calls and emails usually within a
couple of hours, but ALWAYS within the same day.
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I will Represent You in all steps of
the buying process and answer any and all of the questions that
you have along the way. Please Read On.......
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Call Vince today to schedule
your FREE,
confidential, no obligation, personalized meeting!
You Choose the Date, Time & Location
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Common
Questions:
About Real
Estate Agents:
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I really want to buy and own my own
home, but where do I start..........
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Do I need to work directly with a real
estate agent?
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What are the benefits of working with
a buyer's agent?
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Should I sign an exclusive buyer
agency agreement?
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What is my commitment, once I have
signed an exclusive agreement?
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If I do not like the agent I have
signed to work with...what are my options?
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How much will it cost for me to work
with an exclusive buyer agent?
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How much is real estate commission &
who pays the commission?
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Who does the listing agent really
represent?
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What if I don't buy a home, do I owe
any fees to my real estate agent?
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About Finding
Your Ideal Home, Making an Offer, Inspections & Settlement:
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How can I get access to ALL of the
available houses that meet my needs
and are in my price range?
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What about schools for my children?
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I have found the perfect house:
- How do I make an offer?
- What price do I offer?
- What are the conditions of my offer?
- Who will handle the negotiations with the seller?
- Do I need to have home, termite and other inspections?
- How soon can we go to settlement?
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Do I need an attorney? What If I do
not know a real estate attorney?
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Do I need the buy home / hazard
Insurance?
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What about home warranties?
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Who pays for the home warranty and
what does it cover?
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About Mortgages &
Financing:
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How do I know how much house I can
afford?
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How do I choose a mortgage company of
bank for my mortgage?
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When should I talk to a mortgage
banker?
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I have seen great rates on the
Internet...is there a catch?
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I seem to read so much in the news
about junk fees...what's this all about?
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Aren't there really just two kinds of
mortgages, fixed and adjustable rate?
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How do I know which type of mortgage
is best for me?
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How much will I need for total closing
costs?
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How much will I need for the down
payment?
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I have very little or no money for a
down payment...can I still buy a house?
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What is seller's assistance and/or
settlement help?
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I am a first-time home buyer....what
programs are available to me?
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How much will my monthly payments be?
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What does my mortgage payment include?
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What are points?
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Should I pay points to lower the rate?
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Which is better, 15 or 30 year
mortgages?
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What is PMI? I don't quite have 20% to
put down...can I avoid paying PMI?
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How can I reduce mortgage insurance
costs?
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How advantageous are making extra payments?
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How much will my credit history affect
my ability to get a mortgage?
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Which is better, fixed or adjustable
rate
mortgages?
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How do adjustable mortgages work?
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What will my adjustable rate payments
be and how often will they change?
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What are the tax advantages of home
ownership?
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I am a first-time home buyer....how much can I save in taxes?
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What happens after I've applied, and
how long will it take?
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I am comparing lenders, which lender
has the best loan program for me?
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What are the advantages of buying a
home versus renting?
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Plus.....Answers to any other questions you have.
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Call Vince today to schedule
your FREE,
confidential, no obligation, personalized meeting!
You Choose the Date, Time & Location
Definitions to commonly used mortgage terms
My Philosophy as Your
REALTOR
Should I work with a Buyer's
Agent?
Pre-Qualify and Get Pre
Approved Today
(Courtesy of Gilpin Mortgage)
Wondering if
you can afford that home you have your eye on??? You may be
surprised by the answer! With interest rates at historic lows,
and many banks and mortgage lenders aggressively competing for your
business, that new home may
be more affordable than you think.
Call me today! One 5-Minute call is all it
takes to see if you
qualify to purchase that next home. I can even have you
pre-approved for the exact loan to buy your next house. A
Pre-Approval is a
powerful and necessary tool when making an offer to buy a
home.
Call or e-mail
me today!
All conversations and
correspondence is strictly confidential.
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