Why use an Accredited Buyer’s Representative (ABR®)

Buying a home is no small matter. Besides being the largest financial transaction you may ever undertake, it’s probably also the most complex. There are many good reasons to work with a qualified real estate professional—especially a trained professional who has earned the Accredited Buyer’s Representative (ABR®) designation, representing best-in-class buyer services.

When you look for an ABR® before you look for a home, you’ll be served, not sold. Your interests become their interests. And you’ll be working with someone who has gone the extra mile by completing specialized training in delivering the best in buyer-representation services. Plus, a REALTOR® who has an ABR® designation also has an established track record, with proven experience in representing the concerns of home buyers.

The ABR® designation is awarded through the Real Estate Buyer’s Agent Council, or REBAC, which was founded in 1988 to promote superior buyer-representation skills and services. REBAC is an affiliate of the National Association of REALTORS® (NAR).

Find a Buyer’s Rep – Directory of ABR®s and other buyer’s reps working to achieve this designation.

Selling Your Home

I will manage the various tasks and details of your sale to assure that your property is properly readied, priced, marketed, negotiated and carried to closing. I will be diligent and expedient every step of the way. I pride myself on being there when you need me, in the role you need me, before, during and after we get your home sold.

If you would like a no stress, no obligation, evaluation of your home to see if it is the right time for you to sell, feel free to give me a call.

I provide advice and service in these areas:

• Getting your home ready for sale inside and out.
• Setting a price that will attract the right potential buyers to get your home sold quickly
• Preparing an effective marketing plan
• Holding open houses
• Making the showing process as convenient as possible for you
• Qualifying potential buyers
• Analyzing and comparing offers
• Representing your interests during the negotiation process
• Providing counsel and advice throughout
• Monitoring the contract and deadlines
• Recommending home repair professionals
• Helping you understand the closing process
• Helping you find your next home

Five Steps to Winterizing Your Home

The cold weather has arrived, and it’s time to get your home ready for the months of harsh conditions that are on the way. Here are five key tasks for winterizing your home.

1. Get your HVAC system inspected: Some things are better left to the experts. Schedule a tune-up with an HVAC professional—they’ll check for carbon monoxide, inspect pipes, clean/change filters, and get your system running more efficiently.

2. Reverse your ceiling fans: Did you know that there are separate settings on your ceiling fan for cool and warm months? You want it to rotate clockwise during the winter. It’ll force the warm air down and keep you comfortable at night.

3. Disconnect all hoses: This is the most common cause of frozen pipes. One way to reduce this risk is by putting your hoses away in the shed or garage for the winter. That way, if someone connects a hose they will hopefully disconnect it to put it back in its place. Also, if you see a hose out of storage it will be a red flag that someone connected it.

4. Keep an emergency kit: A blizzard can quickly leave you stuck at home with roads too dangerous to drive to get food and other supplies, and can even cause power outages. Prepare for the worst by stocking water, non-perishable foods, and plenty of blankets.

5. Clean the gutters: Clogged gutters can fill with ice and cause roof leaks from water damming. Another problem is the gutter can become heavy and rip off, causing other damage.

Documentation Needed to Apply for a Loan

1. Most recent 30 days of pay stubs.
2. Last two years Federal Tax Returns. (1040) including W-2’s.
4. Most recent two months’ asset statements for any accounts used on the loan.

NEED ALL PAGES:
Checking accounts, savings accounts, money market accounts, CDs, stock market accounts, mutual funds, and retirement accounts (401k & IRA’s).
Accounts with quarterly statements only need the most recent statement.
5. Most recent mortgage statement, homeowner’s insurance declaration page. (Refinance only)
6. Copy of driver’s license.
7. Copy of social security card for VA & FHA Loans Only
8. DD-214 for VA Loans Only.

The Importance of Getting Pre-Approved

In today’s real estate market, it’s essential to get pre-approved before starting your home search as it allows you to:

•    Understand your financial condition
•    Understand how much home you can afford before you begin your home search
•    Strengthen your purchasing power when making your offer

A full-service mortgage company with a proven and trusted track record, can help you determine your purchasing power before your home search gets underway.  The company will show you a variety of financing types (FHA, conventional, jumbo, super jumbo, etc.) and will determine how much you qualify for with each type.  Based on your desired payment level and the funds you have available, the company can determine your purchasing power and design a loan that will work for you.

•    Getting pre-approved puts you in a better negotiating position by letting the seller know you are committed and financing is not in question
•    In cases where there are multiple offers for homes, buyers who are pre-approved have a better chance of an accepted offer on the house they wish to buy.

To find out what you should take with you when you visit your lender, click here.