|
Buying
a Home in Northern Virginia...
What I do for you as a Buyer
Agent ...
-
Explain the loan
process and get you pre-approved
-
Send listings to
your email address
-
Send you the
necessary Sale contracts to review
-
Inform you about
inspections
-
Show you
property
-
Review your
criteria
-
Help you make a
decision
-
Go to settlement
-
Closing
Buyers in the Northern
Virginia market should always use a Realtor for the following reasons:
Realtors have access to the MRIS
(Multiple Regional Information System). This system is designed to help the Realtor find
the home of choice for their client using state of the art software and an extensive data
bank that is on line. If a Realtor identifies the "needs" of the client using a
need satisfaction approach, the MRIS can become a Realtors best friend and more than
half the battle has already been won.
A Realtor is familiar with state &
local laws of real estate.
A Realtor is familiar with contractual
agreements for property.
A Realtor is familiar with financial
options, home inspections and various contingencies involved with the negotiations
process.
A Realtor is familiar with the closing
and settlement procedures.
Most of all, buyers pay nothing to
"Buyer Agents" to get the above expertise in finding a home, since most of
the time the fee is paid by the seller.
How to Find
Buyer Agents
Buyers should find their "Buyer
Agents" either by consulting friends, by contacting a sales manager of a local
realty firm, or by questioning Realtors at open houses. Each of these methods has a risk
factor associated with it and each have their own rewards. Once you have chosen your agent, my
recommendation is that you make a written list of what is important to you in a home.
Decide when you want to begin looking, how much time you plan to spend looking, what your
financial situation, how you intend to finance the home and , of course, where you would
like to live! A good Realtor will take notes of your requests and ask questions so that a
rapport can be established and feedback can be given. Once the initial interview has been
conducted and the financial aspect has been verified for home price range, it will be off
to the computer to see what is available or if any any substitution has to be made to
accommodate the client. After viewing the listing and finding suitable properties to look
at, I recommend after viewing properties writing down any questions or comments on the
listing. I have found homes for clients in one day and I have seen it take months for a
client to find a home. For buyers who are serious and have a time constraint no matter
what the inventory offers there is the concept of substitution. It may be price, location,
features of a home, or some other tangible or intangible factor that will drive them to
buy as long as there is a need.
For buyers and sellers in Northern
Virginia, the process it self is automatic for the most part, although tangled with
emotional and real needs. It has been my experience in the past 11 years that these
emotional and real needs that people experience in buying or selling apply to the beginner
and to the real estate professional.
Mortgage Lenders
Below are three lenders to choose from, each has on the average 10
years worth of experience and writes between $20,000,000 to $30,000,000 a
year. Contact any one of these lenders for free information or
quotes on programs. Mention this website and receive
a FREE, no-obligation financial consultation to pre-qualify for your
next home!
|
Rob Graham
Wells Fargo
In house lender at Long & Foster Inc.
703-873-3500 |
Kathy Neal
HSBC Mortgage Corporation
8105 Cawdor Court
McLean, VA 22102
703-816-3062 Voice Mail
kneal75016@aol.com |
First Savings Mortgage
Cheryl Freeman
703-883-9592
Cheryl@4cheryl.com |
|