HOW "BUYER AGENCY" IS A BENEFIT TO YOU When a buyer agency relationship exists between you and I, you are entitled to special responsibilites, services, and benefits including, but not limited to: Loyalty - the real estate agent must act in the best interest of the buyer Obedience - must follow
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02/23/2011
HOW DO WE GET PAID? After we have gotten acquainted and you have decided you want me to represent you, we will sign a Buyer Agency Agreement together. Among other things, this agreement will spell out my responsibilities (see previous page) as well as how much the compensation paid to Keller Wi
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02/23/2011
I CAN SHOW YOU ANY PROPERTY FOR SALE IN MARYLAND, WASHINGTON DC AND VIRGINIA Many buyers are not aware that as a Realtor® who is licensed in all three jurisdictions, I can show you any property for sale whether it's listed by me, my agency, or any other real estate firm. This is especially a bi
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02/23/2011
UNDERSTANDING BUYER AGENCY How it Puts Me to Work for You! Service & Duties Provided Buyers Agent Sellers Agent Full Consultation appointment X Give you advice and counsel
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02/23/2011
REASONS TO BUY A HOME Pride of ownership is a key reason for wanting your own home. You get the opportunity to decorate it to your own taste and enjoy all of the benefits while making a great investment! Real estate over time has been considered a good investment because most of it has appreciat
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02/23/2011
BUYING VERSUS RENTING THE BUYER Miss Buyer's $1,500 monthly mortgage includes $1,200 in interest and property taxes. Her total house payments are $18,000 per year. At the end of the year, $14,400 (twelve months x $1,200) is tax deductible because she is a US tax payer. She is in the 28% tax bra
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02/23/2011
THE MORTGAGE PROCESS Working with me, you will contact a reliable lender at the beginning of the home buying process and search. Why? Pre-qualifying will help you in the following ways: Generally, interest rates are locked in for a set period of time. You will know in advance exactly what your
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02/23/2011
UNDERSTANDING YOUR CREDIT SCORE Your credit score is used by lenders to measure risk. How good are the prospects, if they lend you money to buy a home, that you will pay your monthly obligation on time? If you are considered an excellent risk, your interest rate will be lower than a good risk.
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02/23/2011
HOW MUCH WILL THE LOAN COST? Use the following chart to determine your monthly principal and interest payments at various interest rates for either 15 year or 30 year term. Interest rate factors per $1,000 borrowed INTEREST RATE 15 YEAR TERM 30 YEAR TERM 4.50%
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02/23/2011
PREPARATION FOR A MORTGAGE APPLICATION Your "Green File" Documents you may need to provide the lender Employment Names and addresses of Employer(s) for two full years or more Gross monthly income W-2s for two years, or tax returns Year to date pay stub Proof of income from rentals, investm
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02/23/2011
