Buyers

Are you considering buying a home?

Your Home Search

We love helping buyers find their dream home. That’s why we work with each client individually, taking the time to understand their unique lifestyles, needs and wishes. This is about more than a certain number of bedrooms or a particular ZIP code. It’s about your life, and it’s important to us.

When you work with us, you get:


Knowledgeable and professional REALTORS®
Committed allies to negotiate on your behalf
The backing of a trusted company, Keller Williams Realty

We have the systems in place to streamline the home-buying process for you. As part of our service, we will commit to helping you with your home search by:

Previewing homes in advance on your behalf
Personally touring homes and neighborhoods with you
Keeping you informed of new homes on the market
Helping you preview homes on the Web
Advising you of other homes that have sold and for how much
Working with you until we find the home of your dreams


YesNo

The Mortgage and Loan Process

Funding Your Home Purchase

 

1. Financial pre-qualification or pre-approval

• Application and interview
• Buyer provides pertinent documentation including verification of employment
• Credit report is requested
• Appraisal scheduled for current home owned, if any

2. Underwriting

• Loan package is submitted to underwriter for approval

3. Loan approval

• Parties are notified of approval
• Loan documents are completed and sent to title

4. Title company

• Title exam, insurance and title survey conducted
• Borrowers come in for final signatures

5. Funding

• Lender reviews the loan package
• Funds are transferred by wire

Why pre-qualify?

• We recommend our buyers get pre-qualified before beginning their home search.
• Knowing exactly how much you can comfortably spend on a home reduces the potential frustration of looking at homes beyond your means.

Let’s look for a new home!

In some cases, our clients find their dream home on the first day. In other cases, it takes more time to find the right home. Rest assured, there is a home out there just right for you. We just have to find it.

Once we narrow down the list of properties that are of interest, we will:

• Provide you with more detailed information about the home
• Review the county tax records for tax liens, etc.
• Schedule a personal visit to the home
• Tour the home with you
• Determine how the asking price compares with other homes in the area
• Answer any and all questions you may have

Making an Offer

Once you have found the property you want, we will write a purchase agreement. While much of the agreement is standard, there are a few areas that we can negotiate:

The Price

What you offer on a property depends on a number of factors including its condition, length of time on the market, buyer activity, and the urgency of the seller. While some buyers want to make a low offer just to see if the seller accepts, this often isn’t a smart choice, because the seller may be insulted and decide not to negotiate at all.

The Move-in Date

If you can be flexible on the possession date, the seller will be more apt to choose your offer over others.

Additional Property

Often, the seller plans on leaving major appliances in the home; however, which items stay or go is often a matter of negotiation.

Typically, you will not be present at the offer presentation – we will present it to the listing agent and/or seller. The seller will then do one of the following:

Accept the offer
Reject the offer
Counter the offer with changes

By far the most common is the counteroffer. In these cases, our experience and negotiating skills become powerful in representing your best interests.

When a counteroffer is presented, we will work together to review each specific area of it, making sure that we move forward with your goals in mind and ensuring that we negotiate the best possible price and terms on your behalf.

Closing 101

Prepare for It

Closing day marks the end of your home-buying process and the beginning of your new life! To make sure your closing goes smoothly, you should bring the following:

  • A certified check for closing costs and down payment. Make the check payable to yourself; you will then endorse it to the title company at closing
  • An insurance binder and paid receipt
  • Photo IDs
  • Social Security numbers
  • Addresses for the past 10 years
    Own It
    Transfer of title moves ownership of the property from the seller to you. The two events that make this happen are:
    Delivery of the buyer’s funds
    This is the check or wire funds provided by your lender in the amount of the loan.
    Delivery of the deed
    A deed is the document that transfers ownership of real estate. The deed names the seller and buyer, gives a legal description of the property, and contains the notarized signatures of the seller and witnesses.
    At the end of closing, the deed will be taken and recorded at the county clerk’s office. It will be sent to you after processing.

Frequently Asked Questions

How will you tell me about the newest homes available?

The Multiple Listing Service provides up-to-date information for every home on the market. We constantly check the New On Market list so we can be on the lookout for our clients. We will send you updated listings as frequently as your prefer to the email of your preference.

Will you inform me of homes from all real estate companies or only Keller Williams Realty?

We will keep you informed of all homes. We want to help you find your dream home, which means we need to stay on top of every home that’s available on the market.

Can you help me find new construction homes?

Yes, we can work with most builders and get you the information you need to make a decision. On your first visit with the builder, we will accompany you. By using our services with a new construction home purchase, you will receive the services we offer, as well as those provided by the builder, at no additional cost.

How does for sale by owner (FSBO) work?

Homeowners trying to sell their home without agent representation are usually doing so in the hopes of saving the commission. If you see a FSBO and want the advantages of our services, let us contact the owner for you and make an appointment. Most times the homeowner will work with agents even though their home is not listed, since the agents are introducing a potential buyer to their property.

Can we go back through our property again once an offer is made but before possession?

Usually, we can notify the seller and schedule a convenient time to visit the property again. Immediately before the closing, we will schedule a final walk-through and inspection of your new home.

Once my offer is accepted, what should I do?

Celebrate and focus on moving into your new home! You will want to schedule your move, pack items and notify businesses of your address change. We will provide you with a moving checklist to help you remember all the details. We will also give you a good faith estimate and HUD statement, which will indicate the amount you will need to bring to closing.

Why Keller Williams Realty

Technology

Leading-edge tech tools and training gives us the edge in effectively finding the perfect home for you!

Teamwork

Keller Williams Realty was designed to reward agents for working together. Based on the belief that we are all more successful if we strive toward a common goal rather than our individual interests, we’re confident that every Keller Williams professional shares the common goal of serving you, our client, in the best way possible.

Knowledge

Keller Williams Realty helps us stay ahead of trends in the real estate industry through its comprehensive, industry-leading training curriculum and research resources. It’s what prepares us to provide you with unparalleled service.

Reliability

Founded on the principles of trust and honesty, Keller Williams Realty emphasizes the importance of having the integrity to do the right thing, always putting your needs first. It reinforces our belief that our success is ultimately determined by the legacy we leave with each client we serve.

Track Record

We’re proud to work for the world’s largest real estate franchise by agent count. It’s proof that when you offer a superior level of service, the word spreads fast.

© 2017 Beacon Home Team. Each Office is Independently Owned & Operated. Powered by Vibrant Branding.