For Buyers
Many home buyers are unaware of basic relationships with real estate agents. The important questions for you to consider are:
1) Who represents the seller? Do you know that the listing agent represents the seller? Many buyers will instinctively call the listing agent after seeing a For Sale sign or reading an ad. Do you want a listing agent representing you as the buyer? That agent cannot serve as your advocate, cannot investigate for you, and cannot negotiate for you. In Colorado, it's against the law. Why, because no agent can serve two masters!
2) Who represents the buyer? If you see a listed property that you like, choose an agent to serve as your exclusive agent, preferably one who is an Accredited Buyers Representative (ABR). At the very least, choose an agent who can work exclusively on your behalf! Remember, the listing agent represents the seller, not you!
3) Who pays the agent who represents you? The seller normally pays the commission both to the listing agent and the selling agent. The commission amount is part of the listing contract. Thus, in the real estate business, the buyer typically pays nothing to have exclusive, unbiased, professional representation. So, why not take advantage of it?
For your convenience, I provide listings by email.
How I Can HelpBefore you start looking
Closing Costs
- Assure that you see all the properties in the area that meet your criteria.
- Guide you through the entire home buying process, from finding homes to look at, to getting the best financing.
- Make sure you don't pay too much for your new home and help you avoid costly mistakes.
- Answer all of your questions about the local market area, including schools, neighborhoods, the local economy, and more.
Before You Start Looking For Your New Home:
- Check your credit rating. Straighten out any errors before its too late.
- Determine a comfortable monthly budget for your new purchase, including down payment and monthly payment.
- Find a loan program that meets your needs and get pre-qualified (preferably pre-approved).
- Choose a REALTOR® that you trust and who understands your needs.
- Determine what neighborhood best matches your needs.
- Identify important features you need your new home to have.
- Lender fees include charges for loan processing, underwriting, preparation and establishing an escrow account.
- Third-party fees include charges for insurance, title search, and other inspections such as termites.
- Government fees include deed recording and state & local mortgage taxes.
- Escrow and interest fees include homeowner's insurance, loan interest, real estate taxes, and occasionally private mortgage insurance.
