"Let me walk you through a typical transaction with me as your Home Buyer's Agent..."

1. First we meet in my office and discuss real estate agency relationships. You will probably choose to hire me to represent you as your Home Buyers Agent. Of course, I can represent the Seller if you choose! Remember, this is a free service (see "Buying A Home") At this point we will need to briefly discuss financing. If you have not been pre-qualified, we can run your numbers and make sure that you'll be comfortable with your monthly payment. Once you have decided on a price range, I will ask you a series of questions to determine what features are important in your new home. We will search the Multiple Listing Service database using your criteria and get a color photo and description of each house that meets your criteria. As we view the homes on screen we can print copies of the listings you might like to go see.

2. I will make appointments for us to see several of the properties you choose. It is usually best to see no more than 5-6 homes in a day, otherwise you may start to forget which houses had certain features you liked and disliked.

3. As we view each home, you may want to take notes that will help you remember the house.

4. After seeing several houses you will become more confident analyzing square footage, lot sizes, features and price.

5. After seeing the houses currently available on the market, if you haven't found your dream home, I will search the MLS daily and let you know of any hot new properties as they are listed. This way we get a jump on all of the other Buyers currently looking for properties similar to yours.

6. One day I will call you and say "hey, the perfect house was just listed, we need to see the house today!" We meet at the house and you love it, it's perfect.

7. We go to my office and complete the Offer to Purchase and Contract. Don't worry, this is a form you will already be familiar with because I will have given you a copy at our first meeting. We also will have discussed it along the way. We will need an earnest money check to go along with the offer. This is a "good faith" deposit that says "we will buy your house if all of the following conditions are met." (Earnest money is credited towards the purchase price of the home at closing.)

8. Throughout the entire process, I'll manage the little details that can seem so overwhelming and help you complete the necessary steps to buy your new home.

9. After we sign the Offer, I will submit your offer to the Listing Agent. Negotiation is where I really start to shine. I will get you the best price, terms and conditions possible. My sales ratio is well below the average, meaning my Buyers pay less for their homes!

10. Once our offer is accepted I will help you set up your inspections. I recommend that all homebuyers have a structural inspection (approx. $250), termite inspection (approx. $55), and well and septic inspections, if not on city sewer and water, (approx. $175.)

11. I can give you a list of lenders, attorneys, inspectors, insurance agents, and service providers. Choosing a lender with the right program for you is very important. I can help assess your situation and make you aware of lenders with programs suitable for your needs. Here are a few to get you started.

12. We will have all the inspections done early in the contract process. This way if the inspector notes any items which need to be addressed, the seller has time to respond and correct the items noted. Should the seller decide not to fix the items, we can either accept their response and proceed or request that our earnest money be returned and find a new property.

13. While the inspections are being done, you will be making loan application with your bank and moving ahead towards loan approval. I will be in contact frequently with your lender to provide any information they need to expedite the process. I'll remind you to set up your homeowners insurance. It needs to start the day you take title to the house.

14. So, we now have all of our inspections done, we have loan approval and we're sailing towards closing. We will do a walk-through of the house the day before or the day of closing. This is to make sure the house is in the same general condition it was when you contracted to purchase it. (No unexpected holes in the wall or appliances missing that you paid for as part of the contract.)

15. We did our walk-through and the house is just as great as it was the day you first saw it, only it looks better with the Sellers now gone.

16. Closing day is here and we all meet at the attorneys office. Closing is also a time for Home Buyers to sign the forms associated with a new mortgage. Once you have signed all of those forms, I will hand you the keys to your new home. Your closing attorney can address any questions you may have about the loan documents. Before signing, we will review all documents for accuracy. And, I'll always be available after the sale to assist you in any way I can!

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