PB House Hunters

Homes & Real Estate in the Fort Lauderdale, Florida Area

The 3 most important words in real estate TODAY are:
Location - Location - Location
Exclusive - Buyers - Agent!

While any licensed real estate agent can be a 'buyers agent', an Exclusive Buyers Agent offers a higher level of service through their 100% commitment to home buyers.

You are about to make the largest purchase of your life. Which would you prefer: A 'part time' buyers agent, or an Exclusive Buyers Agent, 100% committed to serving and representing you, the home buyer?

An Exclusive Buyers Agent is a specialist in representing home buyers in all phases of the transaction. They work for an office that does not list homes for sale, so they never have anything to 'sell' you but their specialized knowledge and expertise in assisting home buyers.

Ask every Agent you talk to these questions:

• Will you show me all the homes on the market that meet my needs, including For Sale By Owner properties?
• Will you guarantee that any information I give you will be kept confidential?
• Will you guarantee me your undivided loyalty?
• Will you guarantee me you will not try to change your relationship with me to "dual agency", "designated agent", transactional agent", or any other form of agency that offers reduced levels of service and could possibly compromise my negotiating position?
• Will you guarantee me that you will not be representing any seller at any time while you are working for me?
• Will you point out all the negative aspects of each property as well as the positive aspects so I will be fully informed when making my decision?
• Do you have any agreements with Sellers that might limit your ability to tell me everything you know about the Seller and their reasons for selling?
• Will you provide information on comparable sales and help me formulate an offering price and negotiating strategy?
• Do you have a list of lenders, home inspectors, insurance agents and other professionals that you recommend?
• Do you, or the company you are with, ever list homes for sale? (If they say "yes", they are not an Exclusive Buyers Agent.)
• Specifically, how will you protect my interests, and why should I hire you rather than another agent?
• Will you act in a Fiduciary capacity and owe all Fiduciary Duties to me?
• Do you spend 100% of your time assisting Buyers?
• If you or your agency lists homes for sale, is your commission rate higher if you sell an "in house" listing?
• Can you guarantee me 100% loyalty 100% of the time?
• Will you put all of that in writing?

Homes and real estate in:

Broward County:
Coral Ridge, Coral Springs, Deerfield Beach, Fort Lauderdale, Kensington, Lauderdale By The Sea, Lauderdale Isles, Lauderdale Lakes, Lauderdale Manors, Lauderhill, Lighthouse Point, Margate, Melrose, North Lauderdale, Oakland Park, Plantation, Pompano, Pompano Beach, Tamarac, Westview

Martin County:
Hobe Sound, Jupiter, Jupiter Island, Tequesta, The Acreage

Palm Beach County:
Atlantis, BelMarra, Belvedere Homes, Blue Inlet, Boca Del Mar, Boca Harbour, Boca Pointe, Boca Raton, Boyton Beach, Boynton Beach, Briny Breezes, Caribbean Key, Century Village, Cloud Lake, Cypress Lakes, Delray Beach, Delray Shores, Floresta, Glen Ridge, Golf (Village of). Greenacres City, Gulf Stream, Gun Club Estates, Hamptons at Boca Raton, Haverhill, High Point, Highland Beach, Hypoluxo, Juno Beach, Juno Ridge, Jupiter, Jupiter Inlet Beach Colony, Kings Point, Lake Belvedere Estates, Lake Clarke Shores, Lake Park, Laker Rogers Isle, Lake Worth, Lakeside Green, Lantana, Loxahatchee, Manalapan, Mission Bay, North Palm Beach, Ocean Ridge, Palm Beach, Palm Beach Gardens, Palm Beach Shores, Palm Springs, Paradise Palms, Rainbow Homes, Riviera Beach, Royal Oak Hills, Royal Palm Beach, Royal Palm Estates, Sandalfoot Cove, Seminole Manor, Singer Island, South Palm Beach, The Acreage, Village of Golf, Wellington, West Gate, West Palm Beach, Wilton Manors, Winter Beach

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
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
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Lora Cusumano, ABR, Broker
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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.

Lora Cusumano   FL DRE#  BK3214083
Send an Email to Lora Cusumano