Any licensed real estate agent can act as a Buyers Agent, just as any licensed Doctor can perform brain surgery. But if you were going to have brain surgery wouldn't you want a Specialist?
What's the difference? The difference is training, experience, and commitment to knowing everything they can learn about their specialty. Any good Doctor knows quite a bit about brain surgery. In fact he or she knows just enough about brain surgery to know that you need a Specialist if you need brain surgery.
Would you want to use a "part time" brain surgeon?
Ordinary Agents list houses (most of the time), "help" Buyer's (some of the time) (note: when "helping" a Buyer, the Agent represents the Seller and is duty bound to get the highest price and best possible terms for the Seller), act as Dual Agents (some of the time), Facilitators (some of the time), Appointed Agents (some of the time), Designated Agents (some of the time), and in some areas even work as "non-agents" (some of the time) so they can "put deals together". In other words, they are "part time" Buyers Agents.
By the way, you will pay the same price for an Agent who is a "part time" Buyers Agent as you will pay for a full time Buyer Specialist, so why not get the real expert?
Do yourself a favor. Before you decide which Agent to use, talk to someone who has the specialized experience necessary to do an outstanding job of representing you and is dedicated 100% to serving Home Buyers!
MONTEREY COUNTY: Alisal, Aromas, Big Sur, Bradley, Carmel, Carmel by the Sea, Carmel Highlands, Carmel Valley, Carmel Valley Village, Castroville, Chualar, Del Monte Park, Del Rey Oaks, Fort Hunter Liggett, Gonzales, Gorda, Greenfield, Jolon, King Citty, Lockwood, Lucia, Marina, Monterey, Monterey County, Moss Landing, Pacific Grove, Pacific Valley, Pebble Beach, Point Sur, Presidio of Monterey, Prunedale, Robles del Rio, Salinas, San Ardo, San Lucas, Sand City, Seaside, Soledad, Spreckels, Tassajara Hot Springs
SANTA CRUZ COUNTY: Aptos, Ben Lomond, Big Basin, Bonny Doon, Boulder Creek, Brookdale, Capitola, Corralitos, Davenport, Felton, Freedom, La Selva Beach, Las Lomas, Lompico, Los Gatos, Mount Hermon, Pajaro, Paradise Park, Rio del Mar, Royal Oaks, Santa Cruz, Santa Cruz County, Santa Cruz County, Scotts Valley, Seacliff, Seascape, Soquel, Watsonville
SAN BENITO COUNTY: Hollister, New Idria, Paicines, Panoche, Pinnacles, San Benito, San Benito County, San Juan Bautista, Tres Pinos
SANTA CLARA COUNTY: Blossom Valley, Campbell, Coyote, Gilroy, Los Altos, Los Altos Hills, Los Gatos, Monte Sereno, Morgan Hill, New Almaden, San Jose, San Martin, Santa Clara, Saratoga.
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Purchasing a Home? Some Things You Should NOT Do.
Don't make any major purchases such as a new car, expensive electronics or appliance, or anything else that you cannot pay cash for. The extra payments may prevent you from getting a loan.
Don't move money from one account or investment to another. One of the things a lender is concerned about is the source of funds for your down payment and closing costs. The lender will ask for statements for the last 3 months for all your bank and investment accounts and even your company 401K and retirement accounts.
Lenders like to see what is referred to as "seasoned money", that is, money that has been accumulating in an account over a period of months or years. If your bank account has a large deposit that was made less than 3 months ago they may think the money was a loan from a relative who is trying to help you qualify for a loan. Then you will have to prove where the funds came from which can be a time consuming process.
Please, leave your money where it is until you talk to a loan officer. And don't move a significant amount around without letting the lender know about it in advance.