Let's Find Home
PRESENTED BY:
Rhonda Smith
Real Estate Agent
about me
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Rachel Smith
Real Estate Agent
(914) 552-0777
smithrealestate.com
hello@realestate.com
123 Main St. Austin, TX
page two | Home Buyer Guide
meet our team
TEAM MEMBER NAME
POSITION TITLE
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TEAM MEMBER NAME
POSITION TITLE
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TEAM MEMBER NAME
POSITION TITLE
Sed gravida libero imperdiet rhoncus suscipit. Integer in vulputate ex, feugiat viverra nibh. Etiam eget urna a elit feugiat venenatis. Integer venenatis sem at ligula molestie molestie. Etiam eget urna a elit feugiat venem.
page three | Home Buyer Guide
client TESTIMONIALS
DATE OF REVIEW
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client name
client name
DATE OF REVIEW
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page four | Home Buyer Guide
The buyer Roadmap
This is a brief summary of the timeline for purchasing your home. Remember, as your Real Estate Agent, I will be there to be sure you feel confident during each step of this process.
1
2
3
Interview
Pre-Approval
Search
Find the right Real Estate Agent for you
Meet with a lender and get a pre-approval letter
Begin your online home search
6
5
4
Escrow
Offer
Showings
Deposit escrow and complete loan application within time frame of the contract
After finding the right home, we will put in a strong offer and negotiate the terms of the contract
We will set up showings and view the homes you are interested in
7
8
9
Inspections
Schedule inspections and negotiate any repair requests and issues from inspection
Financing
Order appraisal and obtain homeowners insurance
Last Steps
Receive clear to close from lender and preform final walk-through before closing
10
Closing
Hooray! Time to get your keys and celebrate buying your home
page fIVE | HOME BUYER GUIDE
FINANCES
Before you officially begin your home search, I always recommend to begin with talking to a lender and getting pre-approved. A lender will be able to answer all of your questions regarding finances and give you a clear understanding of the exact price range you will be pre-approved for and an estimate of the expenses to expect.
Questions to ask when interviewing potential lenders...
- What is the best type of loan for me?
- Do I qualify for any special discounts or loan programs?
- What interest rate can you offer?
- When can you lock in my rate?
- What fees can I expect from you?
- What are my estimated closing costs?
page SIX | HOME BUYER GUIDE
part 2: FINANCES
There a many different factors that the lender will use to calculate your pre-approval. It's always best to be prepared, so here are a few of the documents you can begin to gather together and can expect to be requested:
Tax Returns
W-2 Forms
Pay Stubs
Bank Statements
List of Monthly Debt
page sEVEN | HOME BUYER GUIDE
MY recommended LENDER
KURT Kessler
NMLS 365130
Barrett Financial Group, LLC
NMLS 181106
(925)400-3850
Kurt@KurtKessler.com
KurtKessler.com
page EIGHT | HOME BUYER GUIDE
HOME SEARCH
As your Real Estate Agent, my number one goal is to help you achieve your own. I make it my priority to understand your situation when it comes to buying your home so we can accomplish your goals.
1
Step One
After you speak with a lender and get pre-approved, we will begin your online home search. I will set you up on an automated search on the Multiple Listing Service (MLS).
2
Step Two
We will discuss your ideal price range, your must-haves list, deal breakers, location preferences, school districts, and all of the other factors that will help me to best help you during the home search period.
3
Step Three
When you decide you are interested in a home, we will schedule a showing to view the home in person. If you decide it meets your criteria, we will write an offer for the home. When we get an accepted offer, you will now be Under Contract.
page NINE | HOME BUYER GUIDE
IMPORTANT info
What other factors will influence your decision? (School zones, distance to work, specific neighborhoods, etc.)
What features are important to you in your new home?
What are the must-haves in your new home?
What are the deal breakers in a new home?
Any specifics not mentioned above:
page TEN | HOME BUYER GUIDE
Must Have Home Checklist
Place a check mark next to any amenity that you consider a must have on your next home.
KITCHEN
Island
Updated countertops
Walk in Pantry
Updated cabinets
Breakfast nook
Updated appliances
BATHROOMS
Double Vanities
Bathtub
Updated bathroom
Walk in shower
Guest bathroom
MAIN LIVING AREA
Walk-in closet
Split floor plan
Storage space
Master on main floor
additional features
Hardwood floors
Fireplace
Office
Formal dining room
Open floor plan
Front porch
Separate laundry area
Parking space
OFFERS & Negotiations
Information Needed
Before we begin writing an offer, we will need to gather some documents and discuss some important details...
- Pre-approval letter
- Offer Price
- Financing Amount
- Escrow Deposit
- Closing Date
- Inspection Period
- Closing Costs
page twelve | HOME BUYER GUIDE
OFFERS & Negotiations PART 2
Multiple Offer Situations
It's more common than ever to see homes go into multiple offer situations. This means that your offer is not the only offer on the table for the sellers. Here are some of my best tips to win a multiple offer situation...
- Submit your Pre-Approval letter with your offer
- Have your lender call the listing agent to share your Pre-Approval details
- Make a cash offer if possible
- Offer more than the asking price
- Be flexible with your closing date
- Add a personal letter and a photo of you and your family
- Offer a higher amount for the Escrow deposit so the seller knows that you are serious
- Keep your offer clean when it comes to contingencies and don't ask for any that are not a deal-breaker for you
Escrow
Congrats! We are almost there. You will turn in your Escrow Deposit, we will get inspections scheduled, negotiate repairs, and move forward with your loan application. The entire process from contract to close typically takes between 30-45 days.
page thirteen | HOME BUYER GUIDE
INSPECTION PERIOD
Types of POTENTIAL
Inspections
- Home Inspection
- Radon Testing
- Wood-Destroying Organism (WDO) Inspection
- Mold Inspection
- Foundation Inspection
- HVAC Inspection
- Lead Based Paint Inspection
Recommended Home Inspectors
Use the list on the following page to see several of the Home Inspectors I recommend. Please feel free to reach out and interview some of the Home Inspectors that I know and trust.
INSPECTION TIME PERIOD
The typical inspection period is between 10-15 days
It is critical that we begin scheduling the inspections you choose to have done as soon as we are under contract on your potential new home. This will ensure that we do not run out of time or have any delays in the process.
page fourteen | HOME BUYER GUIDE
recommended Home inspectors
Please feel free to reach out and interview some of the inspectors that I know and trust.
Home Inspector Name, Company Name
(914) 555-1000 Cell
(914) 555-2000 Office
hello@ybusinessemail.com
111 Main Street Charlotte, North Carolina
Home Inspector Name, Company Name
(914) 555-1000 Cell
(914) 555-2000 Office
hello@ybusinessemail.com
111 Main Street Charlotte, North Carolina
Home Inspector Name, Company Name
(914) 555-1000 Cell
(914) 555-2000 Office
hello@ybusinessemail.com
111 Main Street Charlotte, North Carolina
Home Inspector Name, Company Name
(914) 555-1000 Cell
(914) 555-2000 Office
hello@ybusinessemail.com
111 Main Street Charlotte, North Carolina
page fifteen | HOME BUYER GUIDE
PREPARING FOR CLOSING DAY
Loan Application & Appraisal
You will typically have 3-5 days after the contract has been executed to make application for your loan with your lender. The appraisal will be ordered by your lender after we have have made our way through the inspection period. If your contract is contingent on the appraisal, this means that if the appraisal comes back lower than the offer you made, we will have an opportunity to negotiate the price once again.
1
2
Home Insurance
You will need to obtain a Homeowner's Insurance Policy that will begin on the day of closing on your home. If you don't already have an insurance company you plan to work with, please feel free to reach out to me and I will be more than happy to provide you with a list of recommendations.
Important Reminder
As excited as you may be to begin shopping around for furniture and all of the things that help make a house a home, don't! Be very careful during this period not to make any major purchases, open new lines of credit, or change jobs. If in doubt, be sure to call your Real Estate Agent or Lender.
3
4
Clear To Close
These words are music to my ears, and yours too! This means that that mortgage underwriter has approved you loan documents and we can confirm your closing date with the title company or attorney.
page sixteen | HOME BUYER GUIDE
"Real Estate is not simply a job for me, it is my passion. I am dedicated to helping each and every one of my clients achieve their real estate goals and have an exceptional home buying experience."
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- YOUR NAME
Rachel Smith
Real Estate Agent
Thank you for choosing me to help you in the task of buying your home. I look forward to working with you to help you achieve all of your real estate goals.
YOUR LOCAL REALTOR®