The Harty Realty Group

Homes and Real Estate in the Barrington and North Chicago area

The Agent Who Listed Our Home Says He Can Be Our Buyer's Agent.

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!

Homes and real estate in:

Addison, Algonquin, Arlington Heights, Antioch, Bannockburn, Barrington, Barrington Hills, Bartlett, Berwyn, Bloomingdale, Buffalo Grove, Carol Stream, Cary, Chicago - Downtown and Near North - includes areas such as River North, Streeterville, Gold Coast, Loop, East Loop, West Loop, Printers Row, South Loop, Wicker Park, Wrigleyville, Ukranian VIllage, Lake View, Logan Square, Lincoln Park, Lincoln Square, Ravenswood, Andersonville, Uptown, Edgewater, Bucktown, Rogers Park, Portage Park, Crystal Lake, Deerfield, Des Plaines, Downers Grove, Elgin, Elk Grove Village, Elmwood Park, Forest Park, Fox River Grove, Fox Lake, Geneva, Glendale Heights, Glen Ellyn, Glencoe, Glenview, Grayslake, Gurnee, Hainesville, Hanover Park, Hawthorn Woods, Hanover Park, Highland Park, Highwood, Hoffman Estates, Island Lake, Itasca, Johnsburg, Kennilworth, Kildeer, Lake in the Hills, Lake Zurich, Lakemoor, Lake Forest, Lake Bluff, Lake Villa, Libertyville, Lincolnshire, Lindenhurst, Long Grove, Maywood, McHenry, Medinah, Melrose Park, Mount Prospect, Mundelein, Naperville, Northbrook, Oak Park, Palatine, River Grove, River Forest, Riverwoods, Rolling Meadows, Roselle, Round Lake Beach and Round Lake, Schaumburg, South Elgin, Spring Grove, St. Charles, Streamwood, Vernon Hills, Villa Park, Warrenville, Wauconda, Waukegan, Wheaton, Wheeling, Wilmette, Winnetka, Wonder Lake, Wood Dale, Zion

What Is An Exclusive Buyers Agent?
What Can An Eba Do That Others Can't?
What Are Fiduciary Duties And Why Are They Important?
The Secret Big Corporations Have Known For Years
Our Standards Of Practice - Exactly What We Will Do For You
What Others Say About Buyer Agency
Take Some Confusion Out Of The House Hunting Process
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Tips For Home Buyers

How Much Home Should You Buy?

You may have heard a real estate Agent or someone else say, "Always buy the biggest home you can afford. It is a good investment and the larger the investment the larger the return on investment will be".

But is that good advice for you? Maybe, maybe not.

When deciding to buy a home the first thing you need to do is get a loan. Yes, get the loan before you shop for homes. The lender will give you a letter stating how the maximum amount they will lend you given your income, debts, and the amount of cash available for down payment and closing costs.

Now that you know the maximum amount you can borrow and what the monthly payment will be on that amount, ask yourself some questions about your "comfort level". We all have a different comfort level when it comes to debt.

Some things that affect each individuals comfort level are:

Do I worry a little or a lot about money I owe?

Am I comfortable that my job is secure and my income will be stable for the next few years?

Do I reasonably expect to have a considerably larger income in the near future?

Am I willing to change my lifestyle (travel less, eat out less often, keep our car for a few more years) in order to make a house payment?

Think about all of that and then decide what payment you are comfortable with. If it is the maximum amount the lender has stated, fine. But if it is less than that amount, then buy less home.

The new home should be a place of comfort, not a place to sit in and worry about how you are going to pay for it!

Besides, you can always "move up" later if you situation or comfort level changes.

Richard Harty   IL DRE#  471.002813
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