Congratulations on your decision to buy a new home! Buying a home is an exciting milestone for everyone that can be filled with a mixture of delight and uneasiness. My goal is to make your home buying process a successful stress-free experience. I pride myself on the majority of my business coming from returning clients and referrals; the reason for this is simple, I put my clients first.
Choosing the right Realtor is the first step in making your dream a reality. So, take the first step! Interview realtors! You are the client and finding the right match for you will make the process of finding your new home a rewarding experience.
Start by learning the prospective realtor’s qualifications:
- How long have they been in the business?
- How many transactions do they complete each year?
- Do they have a list of testimonials?
- What is the realtor’s philosophy with their clients?
- Do they think buying a house is the right thing for you to do?
- When is it not a good idea to buy a house?
Being comfortable with the knowledge your realtor has your best interest at heart will go a long way in making shopping for a home a rewarding experience.
If you would like to gain an understanding as to my real estate philosophy just read my testimonials below. Call me TODAY for a Realtor Interview and see why choosing me is the first smart move to make!
If chosen to be your Realtor, I look forward to helping you find your next home by taking the time to listen to your individual needs and expectations. Together, we will build a customized search strategy for locating the perfect home that fits your needs and remains within your budget!
As your realtor, I promise to:
- Set up a plan of action through an analysis of your personal and financial needs, the current housing market conditions, and your lenders’ mortgage options.
- Assure you see all the properties and neighborhoods that meet your criteria.
- Guide you through the intricacies of making an offer on a home and presenting your offer to the seller.
- Make sure you don’t pay too much for your new home and help you avoid costly mistakes.
- Assist you through the pre-settlement and settlement processes.
- Answer all of your questions about the local Real Estate market, economy factors, as well as neighborhood, school information and more!
Before You Start Looking For Your New Home
- Get pre-qualified with a local lender.Prequalifying will assist with determining a comfortable monthly payment and therefore provide parameters for a purchase price. In addition, one of the most important factors of an offer is showing the seller you can purchase their home.
- Choose a Realtor that you trust.You need someone who understands local market trends and the buying process that will work with your best interests at heart.
- Know what you are looking for.Consider what features are a must have in your new home. For example, 3 bedrooms, 3 baths, 2-car garage. Don’t forget about those features that maybe on your wish list such as a hot tub, wood floors, etc.
- Know your budget.There are different costs associated with purchasing a new home and many will vary depending on which type of financing you use. The qualified lender can provide very close estimates on these costs and provide you with a clear understanding of which of these costs can be paid by the seller on your behalf.
What are your costs to close?
Costs to close: are a variety of costs associated with getting a home loan, acquiring title insurance, making prepaid deposits for taxes and insurance, and closing & recording fees. Most of these costs are paid at closing. **It is possible to have the seller pay for some or all of your costs to close. The amount the seller can pay on behalf of the buyer is negotiable and dependent on your type of financing.
The cost of each of the items below may vary depending on the sale price of the home and your chosen type of financing.
- Title insurance and recording fees; each side generally pays for their own title insurance and whom pays the recoding fees is depending on the type of loan.
- Broker’s commission is a negotiable fee and generally paid by the seller.
- Lender document prep fee and escrow closing fee. These fees are split 50% between the buyer and seller unless the buyer is using VA entitlement, which requires the seller to pay for 100% of those fees.
- Attorney fee to draw up your Deed of Trust to transfer title into the buyer’s name and is typically paid by the seller.
- Real Estate property taxes will be prorated. If the taxes have been paid for the year you will be required to reimburse the seller for these prepaid taxes.
- As-built survey or a re-certification of as-built survey is always a good idea to make sure that all the improvements are where they should be.
- Appraisals are generally a seller’s expense in the state of Alaska.
- Home inspection fees are generally a buyer’s expense in Alaska. However, extensions to the general inspection (i.e. furnace, plumbing, or well and septic tests) are generally a seller’s expense.
- Repair and maintenance items uncovered during the inspections are negotiable, but the seller normally pays for the health and safety items as they will be required for financing.
Are you ready to get started looking for your dream home?
Give me a call, or visit my contact page, and I’ll help you get started.