Buyer Presentation
Transcript: HOME buying Guide ROOTED IN COMMUNITY Having lived and worked in Columbus my entire life, I understand what makes our community, and the people who call it home, so special. Not only that, but I have a vested interest in seeing this city thrive for and with all of the diverse groups of people that call it home. Because of that, I love to connect with, learn about, and serve all of the individuals that make up this group. That’s what it takes to truly be a local real estate expert. Not just expertise in negotiation and marketing, but a love and understanding of our community and the people who live here. That’s just one reason to choose me to stand by your side – and it’s the foundation of everything I do. B.A. in Organizational Leadership (2012) Ohio Christian University Men’s Ministry Leader International Christian Center Founder of Unified Solutions “People Building People” BENEFITS OF HAVING A REALTOR GETTING YOU IN THE DOOR STAYING ON TOP OF PAPERWORK We'll narrow down homes that fit what you're looking for & get you in the door! Looking at dozens of homes every week, I can help you identify potential problems within a home. HANDLING CHALLENGING CONVERSATIONS Contracts? Contingencies? Addendums? Buying a home can involve a lot of documents . I have experience navigating through real estate contracts making sure nothing is overlooked, and that you understand what a paper means before ever signing on the dotted line. When repairs or changes in price need to made, I will be your guide and negotiate on your behalf. NEIGHBORHOOD EXPERT Working daily in neighborhoods with inspectors, contractors, and negotiating with sellers, I have the market knowledge needed to get the best results from your purchase. Understanding the local real estate market goes a long way when it comes time to make an offer on a house. ON YOUR SIDE I will always represent your best interests. With a pulse on the local market and a sound understanding of how various amenities effect the value of a home, I'll make sure we submit a competitive offer on the right house for you. PROBLEM SOLVER FREE I will protect all of your interests and take on any issues that may arise throughout the entire process. Hopefully making home buying a fun and stress-free process. The seller typically pays the commission for both the seller’s agent and the buyer’s agent. Home Buying Process The first step in helping you buy a home, is understanding what you're looking for, when you're planning to move, and what your non-negotiables are. Pairing this information with my knowledge of the market will help me quickly and efficiently find properties that fit what you're looking for. Prepare Your FINANCES GET PRE-APPROVED Being pre-approved, unlike being pre-qualified, means you've actually been approved by a lender for a specific loan amount. You will need to provide documented financial information (income, statements, assets, debt & credit reports etc.) to be reviewed & verified by the lender. Review your credit report for accuracy Limit number of credit checks Keep low balances on credit cards & revolving credit Pay down revolving accounts to 30% or lower Don't make any major purchases on credit No NSF in the last 12 months Pay your bills on time Don't close any accounts Keep a separate checking & savings account Manage credit cards responsibly Don't change jobs Be current on student loans & child support Credit Score Credit History Debt to Income Ratio Employment Down Payment QUALIFYING FACTORS Always check with your lender before doing anything that might impact your income, assets, liabilities, or credit. What you'll need... Most recent pay stubs 3 year's tax returns & W2's 3 most recent checking & saving statements Last quarterly investment statements Legible, blown up copies of your driver's license(s) Your Expected Costs Earnest Money $500-$1,000 Inspection $300 Appraisal $400-$500 Homeowner Insurance (varies) MAKING AN OFFER Once you find the property you want, we will write up a purchase agreement. Much of the agreement is standard, but there are still a few areas we can negotiate. 1. Price 2.Move-in Date 3. Additional Property Being flexible on possession date, can make the seller more apt to choose your offer over others. Often, the seller plans on leaving major appliances in the home; however, which items stay or go is often a matter of negotiation What you offer on a property depends on multiple factors: -Condition of property -Time on market -Buyer activity The seller can: Typically, the seller will counteroffer. In these cases, my experience and negotiating skills become powerful in representing your best interest. -Accept the offer -Reject the offer -Counteroffer Preparing For CLOSING What you need Social security numbers Photo IDs Insurance binder & paid receipt Certified check for closing costs & down payment Let's Connect 614.207.2342 Darrell.Hunter@KW.COM @TheColumbusHouseHunter TheColumbusHouseHunter HTTPS://thecolumbushousehunter.kw.com
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