Homebuyer's Tips & Tools
Mistakes That Buyers Make
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How To Buy A Home & Get Money Back (Buyer's Rebate) At Closing
Six Ways To Beat The Stress of Buying A Home
How To Buy A Home In The Next 30 Days & Do It With Little To No Money Down
5 Things You Must Absolutely, Positively Know Before You Buy Any Home
Warning! If You Are Buying A Home, You Could Get Cheated Out Of Thousands Of Dollars
8 Deadly Mistakes To Avoid When Buying A Home
The Homebuyers' Biggest Mistake Ever Made... Bar None
Things You Should Know About Moving
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Also you will find below some interesting and vital information why
you, as a buyer should consider using a Real Estate
Professional to help you search for a home. As you will
see, it actually costs you nothing for this added
benefit. Contact your Cash Rebate Broker for additional information.
Be Sure To Bookmark This Page FIRST And Then
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Do I Need A Real Estate Professional
To Help
Me Buy a Home?
Buying and selling a home or second property is
one of the largest financial transaction most people
make during their life. If you are considering buying a
home answer the following 20 Questions. Your
answers to these questions will help you determine if
you should consider the services of a real estate
professional to help you locate and purchase your next
home.
-
Do you have
the time, energy and contacts to do the home search,
price negotiations, home inspection, mortgage
financing, contract preparation, and contract review
yourself?
Yes No
-
If you do it
yourself, do you think the results would be as good or
better than if you use a "competent" real estate
professional to assist you with your home
purchase?
Yes No
-
Can your
personal time be spent better doing other activates,
rather than searching for homes for sale that match
your search criteria?
Yes No
-
Are you
comfortable dealing with contracts and legal
issues?
Yes No
-
Do you have
"free" access to legal real estate advice and real
estate contracts?
Yes No
-
Do you have
the ability to quickly locate all the homes for sale
in your desired area that match your search
criteria?
Yes No
-
Can you
objectively determine the true "fair market value" of
the home?
Yes No
-
Can you
support your offer price with facts of home sales in
the neighborhood?
Yes No
-
Do you have
proven negotiating skills to help you negotiate your
best price and terms?
Yes No
-
Can you
objectively make a buying decision without having an
emotional attachment to the home?
Yes
No
-
Do you know
what appliances, fixtures, window treatments etc.
should be included in the purchase price of a
home?
Yes No
-
Do you know
what to look for when viewing a home? Do you know the
hidden signs a home may have a problem?
Yes No
-
Do you know
how to review the owners title to find out about
easements, encroachments, title defects, ownership,
liens, rights of access, etc?
Yes
No
-
Do you have
access and time to gather information about locals
schools, zoning, utilities, land use plans for your
selected area?
Yes No
-
Do you know
if any future highway development, landfill,
commercial development is planned for the
area?
Yes No
-
Do you know a
reputable and competent home inspector?
Yes No
-
Do you know
what you can request a seller to fix, what a seller is
required to fix, and what a seller does not have to
fix?
Yes No
-
Do you know
how to handle the situation if you have a home to sell
before you can close on your next home?
Yes No
-
Do you have
any formal training or business background in real
estate or real estate law?
Yes
No
-
Do you know
that you can use a real estate professional who
"exclusively" represents your interests, and the real
estate professional who is representing you is paid
out of the listing agent's real estate
commission?
Yes No
Add The Number
Of "YES" Answers. If You Answered "YES" To:
-
20 questions - Do
It On Your Own – You Know Everything!
-
18 to 19
Questions - If you do not use the services of a
real estate professional to help you locate and
purchase a home, be sure you have a contingency plan
and help for the questions you answered no.
-
15 to 17
Questions - You should use a real estate
professional to help you locate and purchase your
next home.
-
Under
15 - No question, you should seriously
consider using the services of a real estate
professional to help you locate and purchase a
home.
Question: Is
there a downside of using a real estate professional to
help you locate and purchase your next home? There
Is No Financial Downside. A buyer's real estate agent's
commission is paid by splitting the seller's real estate
agent's commission, which was negotiated with the seller
at the time the home was listed for sale. If there is no
buyer's agent to pay a real estate commission, then the
seller's real estate agent usually keeps the entire real
estate commission.
Without a buyer's real estate
agent the best you can expect is the selling real estate
agent represents neither party, but most likely they
represent only the seller. A real estate
professional in most cases is also in a better position
to negotiate a lower sales price than a home buyer,
because they have access to "current" comparative home
sales information. Also, a real estate professional who
has a "buyer agency" contract with a home buyer
"exclusively" represents the buyer's best
interests.
Fact:
When using a real estate professional to assist a home
buyer locate and purchase a home, the average search
time is 8 weeks and they view 10 homes. For home buyers
not using a real estate professional the average search
time is 14 weeks and they view 18 homes.
Fact:
49% of all home buyers start looking for a home before
they put their home on the market.
Fact:
91% of all homes are sold by a real estate
professional
Fact::
9% of all homes are sold by owner
Fact:
Even when a mortgage company says a buyer is approved it
doesn't guarantee that the mortgage company will fund
the buyer's mortgage for the purchase of your
home
Fact:
Real Estate Professionals have errors and errors of
omission insurance
If you have
determined you need the services of a real estate
professional to help you locate and purchase your next
home, contact your Cash Rebate Broker to help you.
How To Select a
Real Estate Professional To Help You
With Your Home
Search & Purchase
It is
recommended that you engage in the services of a real
estate professional to help you with your home search
and purchase. There really is no other way to know what
the inventory of homes for sale is, without significant
time and energy spent on an exhaustive self search. Why
invest so much time and energy searching for a home when
that process that does not have to take place? You can
have the services of a real estate professional who only
represents you and your best interests, at no direct
cost to you.
Whoever you
choose to help you find and purchase a home, we can
not emphasis enough how important it is to use "only
one" real estate professional, and stick with that real estate
professional. We will tell you why later.
What's The Next Step? The next step is to
sit down with your real estate professional and talk
about your needs, your expectations, your time frames,
and your financial considerations. Let the real estate
professional know if you are thinking about buying a new
home, or a pre-owned home, or if you want to consider
both. Let the real estate professional know what area
you prefer to live in and what amenities you are looking
for. You also need to let the real estate professional
know what features you want. This is a good opportunity
to bring out or formulate a list and review what is
important, what would be nice to have, and what you can
live without. This meeting should take about an hour to
an hour and a half of your time. If you are a first time
buyer, the real estate professional should also review
the entire home buying process with you at this meeting.
Your real estate professional should also set you up with a lender
to get pre-qualified. Pre-qualification by a mortgage
officer takes only a few minutes. You can go to our "Mortgage Center Section" to use our pre-qualification
calculator to help you determine how much you can afford
to spend when buying a home. Getting pre-qualified tells
both you and your real estate professional how much you
can afford to spend, which is an important first step
when looking for your home. It is even better if your
real estate professional suggests that you get
pre-approved. There is a significant difference between
being pre-qualified and being pre-approved.
If
the real estate professional you are using or a real
estate professional you
are considering using does not suggest this during your
orientation meeting, or does not ask these questions, or
does not get you pre-qualified, then maybe you have or
you are considering the wrong real estate professional
and you should start looking again.
How Is A
Real Estate Professional Compensated? 98% Of All
Real Estate Professionals Are Paid By Commission
Only. The commission is paid by the seller unless
the real estate professional discloses or arranges
something other than that with you. It means you get to
use the services of a buyer's real estate professional
and it does not cost you a single dime. Pretty good
deal, isn't it? If the real estate professional is being
paid by the seller, doesn't the real estate professional
represent the seller? The answer to this question is
yes, unless you contract another "agency" relationship
with the real estate professional. Real estate
professionals have an obligation to state up front who
they represent. A real estate professional represents
the seller unless disclosed and contracted
otherwise.
Buyer Agency
- What Does It Mean and How Does It Affect You?
Buyer Agency, what does this mean to you? It means that
if you want a real estate professional to represent you
and your best interests, you need to fully understand
agency relationships and how they effect you. We will
not dive into a complicated orientation about agency
relationships except to outline the agency options
buyers have with a real estate professional. When
working with a buyer, a real estate professional can
disclose and have one of the following agency
relationships:
-
Buyer
Agent :
The selling broker/real estate professional (not the
broker/real estate professional who has listed the home for sale)
enters into a client relationship with the "buyer" and
exclusively represents the buyer's
interests.
-
Seller
Agent :
The listing broker/real estate professional
enters into a client relationship with the "seller"
and represents exclusively the seller's
interests.
-
Limited
Consensual Dual Agent : The selling broker/real estate
professional enters into a client relationship with
the "buyer and the seller" and represents both
parties interests.
-
Sub-Agent : is another agent/licensee who also
represents only one party in a sale. A sub-agent helps
the agent represent the same client. The client
may be either the seller or the buyer. A
sub-agent must be completely loyal and faithful to the
client.
-
Transaction
Broker :
The broker/real estate professional has
not entered into a client relationship with
either the "buyer or the seller" and acts only to
facilitate the transaction, and represents neither
party.
If you want to
have your own real estate professional working for you
and your best interests, it is important that you enter
into a buyer agent contract with the real estate
professional. This does not normally effect who pays
the buyer agent's real estate commissions. Unless
disclosed otherwise by your buyer agent, your buyer
agent will still be paid by the seller, however they are
now under contract to work only for you and represent
your best interests.
A buyer agency contract
should be signed prior to you looking at homes and
should be openly discussed at your first meeting with
the real estate professional. Most buyers are not aware
that if they are looking at homes with a real estate
professional, and they have not signed a buyer agency
agreement, and there has been no disclosure to the
contrary, the real estate professional they have been
working with is obligated to represent the seller. This
is even the case if the real estate professional has
spent many hours with you understanding your needs,
showing you homes, reviewed your financial information,
and may have even written a purchase offer, and has not
even met the seller.
It Is In Your
Best Interests To Have Your Real Estate
Professional Sign A Buyer Agency
Agreement.
If I sign a
buyer agency agreement with a real estate professional
am I obligated to use the real estate professional to
find and/or buy a home? Yes and No. No you are not
obligated to use your buyer agent to help you find or
buy a home, however your buyer agent is entitled to
compensation from the sale of any home you buy while
your buyer real estate agent is under a buyer agency
contract with you.
Many sellers will not pay a
real estate commission to a buyer's real estate
professional if the buyer's professional did not show
the buyer their home, and was actively involved in the
negotiation. This could cause a commission liability for
the buyer. Normally buyer agency agreements are easy for
the buyer to terminate by providing notice of
termination in writing to your buyer agent and/or
buyer's broker, however, make sure you terminate the
relationship before you go looking for any homes. Your
buyer agent may still be entitled to compensation on
homes your buyer real estate professional has already
shown you. Read the buyer agency agreement carefully
before entering into the contract.
This all sounds
like legal mumbo jumbo to me. What does it really mean
to me? It means that if you have not entered into a
buyer agency agreement or a transaction agent agreement,
or a dual agency agreement, the real estate professional
you have been working with represents the seller and is
obligated to pass on any information that might be to
the seller's benefit. For example, if you put an offer
on a home and you tell the real estate professional you
are working with that you are willing to go $5,000
higher than the offer, your real estate professional is
obligated to pass that information onto the
seller. Be careful with an agency and be sure you fully
understand it ramifications.
A Final
Reminder. No matter who you chose to work with, make
sure the real estate professional discloses themselves
to you to be either your buyer agent, a transaction
agent, or a dual agent. You are protected with any of
those three options, although the real estate
professional will not be able to do as much for you as a
transaction or dual agent. Also, after the agency
relationships have been established make sure you
schedule the orientation meeting with your real
estate professional. It
is the key to a successful and productive working
relationship. Contact your Cash Rebate Broker for further details and any other
questions that you might have in the buying process.
Don't Forget To Ask About Your Buyer's
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No-Obligation Information!
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Be Sure To Bookmark This Page FIRST And Then
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DISCLAIMER: This is not a solicitation for a listing if your property is already listed with a broker. This shall not be considered to be either a solicitation to do business or participate in any activity requiring a real estate license in any state in which any Cash Rebate Broker or their affiliates are not licensed as real estate agents. This special offer may not be available in your local area, please check with us for availability. Realtor & MLS are registered trademarked names of the National Association of Realtors. This has been provided for general informational purposes only and does not offer legal advice. It is always recommended to seek legal representation in any real estate transaction. Cash Rebate Properties . Com and/or Cash Rebate Broker . Com is not a real estate company and does not hold itself out as one, although some of our Members are licensed Real Estate Professionals and/or Mortgage Loan Officers. This is an awesome marketing tool for the Mortgage Professional, the Real Estate Professional And the "For Sale By Owners" Ultimate Solution To Sell Their Home As A FSBO, For The Most Amount of Money, In The Least Amount of Time!
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