Buyer Agency is not something that started yesterday. In fact, it has been around for more than 30 years. But the only ones who knew about it were big corporations who made huge real estate purchases.
They knew they needed someone they could trust who would research every available property to see if they were suitable for their needs, delve into property values to discover the real market value of the property, and negotiate skillfully with the Seller or their Agent. They needed their own representative that they knew would find the right property at the right price and protect their interests 100%.
The only way to meet all these objectives was to employ their own Agent. A big corporation could afford to hire their own full time agent but up until the last 4 or 5 years the home buyer didn't have that alternative. Now, you can have that same level of service at no extra expense! Take a tip from these corporations: Insist on having your own Agent to represent you!
There is a huge difference between an ordinary Agent who is acting as a Buyer's Agent part time and a real, full time Buyer's Agent who is 100% committed to serving only Buyers.
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What Is An Exclusive Buyers Agent?
What Can An Eba Do That Others Can't?
What Are Fiduciary Duties And Why Are They Important?
Our Standards Of Practice - Exactly What We Will Do For You
What Others Say About Buyer Agency
Should you use the Agent who sold your home as your Buyers Agent?
Take Some Confusion Out Of The House Hunting Process
Find an Exclusive Buyers Agent in a different city or state
Reasons To Get A Home Loan Before You Start Shopping For A Home
You do NOT have to have a home under contract to obtain a home loan. The lender is looking at your credit history and income when considering a loan application.
Some potential home buyers think they will have no problem qualifying for a loan only to be disappointed when they find out they don't. Others may afraid they won't qualify so they don't apply. We often see people who don't think they qualify for a home loan but don't know that many lenders offer loan programs for all types of borrowers.
Avoid disappointment resulting from looking at homes that are out of your price range. Looking at homes in a price range you can afford will keep you from being disappointed if you fall in love with a home only to find out that it is beyond your financial abilities.
Insure that you will meet your moving dead line. Knowing you must move by a certain date and still working on proving you are qualified for a loan can be a stressful experience. The two most common problems are resolving credit issues and proving you have the cash for your down payment and closing costs.
Applying for a loan as soon as possible will insure that any incorrect information in your credit history can be corrected before the closing date. It often takes 60 days or more to have information corrected in your credit files.
Having a Loan Commitment in your hand is like being a cash buyer. Every seller wants to work with cash buyers. It gives you leverage when presenting an offer and negotiating a counter offer. It will insure that the closing process goes smoothly when you do find your new home. Do not mistake a Loan Commitment with a pre-approval or pre-qualification, a pre-approval does not carry much weight with a seller since a pre-approval is only a cursory look at your credit history.
Applying for a home loan online can be a real convenience. You can apply for a mortgage online 24 hours a day 7 days a week. You can apply from your home, office, local library or any location that offers Internet access. No need to take time off work or away from play. Avoids feeling pressured by sitting in a lenders office and allows you ample time to collect all the necessary information.
Be sure you check the rates and fees for several lenders before you decide which one to use. Compare the lender fees, not just the interest rate. Ask each lender to provide you with a "Good Faith Estimate" of closing costs and carefully review it. If you see a fee you don't understand ask the lender to provide a clear explanation of the item. Then ask your real estate Agent to review the Good Faith Estimate. Being more familiar with the forms the Agent can spot any hidden "junk" fees.