Buying a home is a BIG decision...let Patty make it a little easier!
"You're the best! Thank you for being the best at what you do…"
"I was apprehensive of the home buying process. You helped me through it, and made the purchase easy… I look for honesty, integrity, availability, product knowledge, tenacity, and willingness to answer any questions I have. You, Bert, Martha, and everyone at Williams Realtors went out of their way to ensure I was comfortable with the home purchase I was making… Please extend my thanks to everyone."
Dr. Doug K. Peterson
"You were an anchor for me to trust and rely upon! …you gave more effort, patience and 'comfort' that went way beyond mere customer attention."
|Patty Williams wants to help you!|
Finding a new home will be a fun and exciting time! Exploring all of the options available to you and selecting that special home for your family to love-- this is Patty's mission. She will help you to negotiate the best price and to complete your purchase with the fewest hassles. Soon you will move in, love your home, and enjoy its many wonderful benefits!
There are hundreds of properties for sale! Signs are everywhere!
- Newspapers and catalogs are loaded with ads
- Each home looks better than the last
You may grow tired of looking, looking and looking. You may become confused. You may wonder, where has the fun gone? Relax for a moment and chat with Patty!
What is it that you really want? What do you need? How much do you feel comfortable spending? Together, you will identify "must have" and "like to have" items and establish priorities. Patty will listen. She will get to know you and learn what you really want. She is patient and she knows the market. You will benefit from Patty's knowledge and experience.
As you get to know Patty, you will feel confidence in her interest in you, and in your family. You can trust her. When you consider her track record, her competency and her concern for your family, you will know you are working with the very best. It is no accident that Patty has helped hundreds of families find their special home.
Patty and her team are in touch with every major real estate company every day. She knows what is new on the market. She knows what's a good house and what's not. She often knows of properties that are going to come onto the market; some even before they are listed. Real estate is her business and she wants you to be happy. Patty will help you find the best property for you.
Discovering the Home's Condition
No surprises. You want no leaking pipes or bad furnaces when you move in. Neither does Patty. Fortunately, there are several steps that can be used to reduce your exposure to these unwanted surprises.
Start with the Seller’s Residential Real Estate Sales Disclosure prepared by the seller. Indiana law provides that most sellers must give you one. Read it carefully. It is NOT a warranty, but the seller must be honest, and there is valuable information in it.
The purchase agreement will provide you with the opportunity for inspections as a condition to your purchase. Patty will also recommend professional inspections. Their cost is reasonable, and you will learn a lot. It is best if you attend the inspection. If the inspections reveal serious problems that you couldn't see and that weren't previously disclosed, the seller must either fix them or you don't have to buy the property. A professional inspector's eyes and your eyes will reduce your exposure to unwanted surprises.
Patty also can provide a special one-year Home Warranty Plan that will cover certain appliances and systems in your home. There is a cost, of course, and a deductible for each claim. Nonetheless, many purchasers have found this extra assurance comforting.
How much down? What are Closing Costs? What is the best mortgage for me? Fixed rate or an adjustable rate mortgage? FHA, VA, Insured conventional, and Conventional, or an Indiana Housing Finance Authority mortgage...what does it all mean?
Finances are important and Patty will want you to feel comfortable about them early in your property search. Patty knows financing and closing costs.
While it can be confusing, it doesn't need to be. Each is designed to fit certain buyers. Each has special benefits but also liabilities. What you want to find, and what Patty wants to help you find, is the best situation for you. Not for someone else, but for you. She will guide you through this financing maze.
Before you begin negotiating Patty will have estimated how much money you will need, both for down payment and closing costs. She will also have estimated your monthly payment, including a component for taxes and insurance, if you will be including them in your payment. Negotiating to buy a home from a sound position based on knowledge is Patty's plan.
Patty will be pleased to attend the loan application with you. She will tell you what information you will need to have available. Then after application, her team will follow up with the loan processing, appraising, inspections and title work - all requirements for a smooth closing!
And, if problems pop up, as they sometimes do, she and her team are ready to help solve them. Their considerable experience can be of real help for you.
Negotiating for the Purchase
All the details of your purchase will be in writing. Agreements that the seller may make with you are not enforceable, unless they are in writing. That's the law. Therefore, it is very important to carefully consider the terms of your offer to the seller to protect your interests. Patty's experience will really help in this area.
How about the price? What is fair? As your agent, Patty will represent you. She will share with you the price for which other similar properties are available and have sold. She will help you develop a negotiating strategy. Her mission is to give you, her client, the very best advice possible.
The seller may accept your offer, make a counter offer or turn your offer down. Whatever the seller's response, Patty will be at your side throughout the negotiations and closing of the transaction. All of her skills and knowledge will be available to you.
You will soon be closing on your home. The sellers will convey title to you and you pay them. Generally you will execute a mortgage, and you may feel pretty nervous. Patty understands these feelings. She will be there with you.
Before closing Patty will review the entire transaction with you so you do not overlook any details. She will review with you a preliminary closing statement to be sure it is correct. She wants your closing to go smoothly. She is proud of her record for smooth closings.
It is time for excitement and joy. Soon you will be moving into your new home. Soon you will be enjoying the benefits that caused you to love this home.
Contact Patty now, and let her answer your questions and put your mind at ease, and review some of our real estate resources. Buying a home is one of the biggest decisions in our lives…let Patty simplify and de-mystify the process for you!
Most home purchase agreements have clauses that deal with termites. After the agreement is ratified, a termite inspection is arranged. Before the closing can occur, the sellers must be able to produce papers signed by a licensed exterminator stating that the house is free of infestation and that any termite damage has been repaired.
Before you sign an agreement to buy or sell a home, you should read the termite clause and be sure that you understand it. Who selects the exterminator and pays for the inspection? If bugs are found, who pays for the treatment? Are the sellers obligated to repair any damage and have they placed a limit of the dollar amount they will spend on those repairs? If treatment is required, the buyers may want a chance to discuss the options with the pest control company, especially if someone in the family is sensitive to the chemicals used to control the termites. Ask about the exterminator's guarantees or service contract options.
What is a "jumbo mortgage"?
The term "jumbo mortgage" currently refers to a mortgage loan in excess of $359,650, although the threshold amount may change as the market fluctuates.
|See More Real Estate Trivia >