 Exclusive Broker/Consultant It's common knowledge among Realtors that 80% of their income is generated from soliciting listings which they often turn over to others to market so that they can more effectively solicit more listings. So where do you think they spend most of their time and effort? I focus my agency's attention on meeting buyer's unique financial and contractual needs and limiting myself to exclusive consultation. The best part of my exclusive Broker Direct service is the one paying for the highly personal level of attention I provide you. First tell me what you are looking for, then ask for my consultation in researching the housing market and structuring a professional purchase contract for effectively placing you in your chosen home at the best price, lowest loan rates, and most favorable terms. If you are simply in the exploration stage then feel free to use my Premier Search tools to narrow your choices. My agency approach is a fresh (though over due) concept in real estate. So if you are not convinced that that my exclusive agency is best for you and you need to know more, then read futher. Why you should enlist me as your Buyer's Broker/Consultant: Personalized Home Buying Consultation and Services I am especially aware that there are simply no other agency experiences that can effectively replace meeting with my clients personally, discussing their individual real estate goals, then thoughtfully researching and pre-screening each property in consideration. The web is the most effective starting point to launch your home search, and it is also a great transaction conduit for originating your loan, but the simple reality is that there are only virtual homes, virtual neighborhoods, and virtual properties on the Internet. Your time is far to valuable to waste viewing great virtual listings that turn out to be far less than advertised as is often the case. I personally pre-screen each property for my clients by calling the listing agents and researching related documents. Complex Loan Conditions The standard, conforming loan application and financial process is in itself an overwhelming experience for most home buyers and even for those simply choosing to refinance their existing home. For example, when confronted with the task of signing a stack of final loan docs in the presence of a Notary (who is not allowed to further explain the loan contract) most borrower are left alone and simply are not comfortable taking the additional time to fully understand the important financial documents they are about to sign. As your buyer's agent and buyer's loan officer, I will be there for you prior to and at this moment, and you will be fully informed before placing your signature on this important and legally binding financial contract. Complex Purchase Agreements Even the most standard Residential Purchase Agreement has grown to an eight page, thirty-three paragraph offer from the buyer that once accepted by the seller serves at that moment as both a binding legal contract for the transfer of real property and the Joint Escrow Instructions for the entire sales transaction. Lately this has been further complicated by Short Sale and REO addendums. According to how each paragraph in the Purchase Agreement was completed by your agent, several other relevant forms most likely will be generated as well and REO accepted offers often effectively wipe out all of the inherent contingencies protecting buyers in a standard Residential Purchase Agreement. It is of critical importance that your agent has made the commitment and taken opportunity to become completely aware of your needs to more fully understand what will be in your best interest at this initial structuring of your offer to purchase. The initial structuring of your purchase agreement is the single most important committment in the home buying process and may be the most important legally binding contract that you ever enter into; it is not to be taken as a casual event. Related Article: Home Sale Incentives May Cost You Plenty Lon Underwood ePro. Independent Ca. Broker®, Loan Officer Lon@LonUnderwood.com (619) 981-0125 |