Buying Consultation with Rich

August 26, 2017

"There are no secrets to success. It is the result of preparation, hard work and learning from failure."
Colin Powell

 

Home Search Consultation Steps

  • Getting to know each other

  • Tailoring Needs

  • Reality check

  • Location Location

  • 24/7 real time search by my Back office team

  • Making an Winning Offer

  • Buying contract overview

  • Escrow and inspections

  • Closing the Sale and moving in

Tailoring Needs

The buyer consultation is the first step when getting serious about buying a home. During this meeting, We discuss your situation, your needs and wants. Every situation is different, so no two home search plans are the same.

Reality Check

Examine your budget to determine how much home you can afford. It is recommended that your mortgage more or less should exceed 28 percent of your income, and that your total debt -- mortgage, car payments, credit cards and other debt -- not exceed 36 percent of your income. Thus, if you have lots of debt, you may need to take a mortgage that is less than 28 percent of your total income. If you've never bought a home before or are unsure whether you'll be approved, it's also a good idea to get preapproved for a mortgage before you begin looking so you'll know exactly how much you can spend.

Location Location

If you find the perfect home in the wrong neighborhood, it can be a deal breaker. Luckily the San Francisco Bay Area has many different neighborhoods to fit all types. When you work with me I'll ask questions that will help me get to know you and understand your lifestyle. I have a huge resource of neighborhood information that I can provide so that you find that perfect part of the world.

Local amenities are very import. Parks, Schools, Neighborhood events and activities, and future developments will have an impact on your home search.

Searching for homes

My job is to create an efficient plan so that you can see the most homes in the shortest amount of time. After our initial consultation I should know enough about you so that I can make a home search list.

I make arrangements to visit the homes on our list with all the selling agents. We will then plan to go see all the homes.

And my back office support will keep us updated on the la

Buying contract overview

I make sure that my clients are prepared and have all the documents ready so they present offers that all have a high chance of getting accepted. I can also provide a lot of resources to improve things like credit scores and debt to income ratios.

Escrow and inspections

The escrow is the process of having a neutral party manage the exchange of money for real property. The escrow holder is known as an escrow or settlement officer or agent. The Buyer deposits funds and the Seller deposits a deed with the escrow holder along with all of the other documents required to remove all "contingencies" (conditions and approvals) in the purchase agreement prior to closing.

I make sure that this process is handled in a timely manner. Contingencies that the buyer places on the contract will have time deadlines and must be completed in order to move forward with the sale. Sometimes the contingencies cause issues between the buyers and the sellers and we have to negotiate the contract.

Closing the Sale and moving in

We will discuss moving into to your new home. Getting the recorded documents and most importantly, getting the keys

 

 

 

 

 

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