Why should I use a Buyer’s Agent?
Ready to house hunt? It’s a jungle out there: Prepare for a flurry of paperwork, stampedes of buyers potentially competing for the same home, and other challenges before you get your hands on those house keys. I won’t lie: The process can be complex and stressful—which is why having a pro by your side can make all the difference. Buyer’s agents are legally bound to help buyers, whereas listing agents—the agent representing the home listing—have a fiduciary duty to the home seller. That’s why it’s in your best interest as a buyer to get an agent who is there to represent you. Fees for this service are typically Seller paid, though expect to pay a nominal transaction fee due at closing.
When buying a home, cash is certainly king, but most folks don’t have thousands of dollars lying in the bank. Of course, that’s why obtaining a mortgage is such a crucial part of the process. And securing mortgage pre-qualification and pre-approval are important steps, assuring lenders that you’ll be able to afford payments.
However, pre-qualification and pre-approval are vastly different. Pre-approval should mean your loan is contingent only on the appraisal of the home you choose, providing that nothing changes in your financial picture before closing. I can refer you to several trusted lenders to help assess your unique situation, competently and confidentially.
The escrow officer is a third party—generally a title company agent. The third party is there to make sure everything during the closing proceeds smoothly, including the transfers of money and documents. Escrow protects all the relevant parties by ensuring that no funds and property change hands until all conditions in the agreement have been met.
A home warranty can be especially beneficial in the first year as you acclimate to your new home. Many people buy a home warranty right when they close on a home, since such protections can provide some much-needed peace of mind that you won’t get hit with unexpected expenses soon after moving in. Ask me about the many different coverage options and warranty companies available.
Are you relocating to this area? My relocation guide includes the most up-to-date and vital information regarding schools, services, and local government. As a long time Topeka resident, I’m always happy to recommend a great place to stay for the night or grab a bite while in town.The Topeka Chamber of Commerce Relocation Guide
First-Time Buyers have great financing options
Lots of special financing programs, some with down payment assistance, are available to help first time homebuyers. I can connect you with lenders best suited for your unique situation.
When your current home becomes more of a burden than a joy, consider a change that will provide you the freedom to enjoy improved quality of life. I have great references for who to call when right-sizing into a smaller, more easily managed, home.
Moving company references
Whether moving across town or across the country, I have great movers you might consider. Ask me always !