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If you’re a First Time Home Buyer, or buying for the second time, this page is packed with what you’ll need to know before you begin searching through MLS listings in Charlotte Nc. First, you’ll need the help of an experienced Buyer’s Agent in Charlotte Nc to help you to find the best home and negotiate the best deal possible. A lot of buyers don’t understand that when you see a for sale sign in a yard, and you decide to call the agent on the sign, the agent on the sign is working for the SELLER and NOT you.
Just to give you an example on how it works...
Let’s say that your driving along and notice a house for sale in Charlotte Nc that you simply adore. You call the agent on the sign to get an inside view and the agent comes to let you in. While you are looking around, you disclose to the agent that although you can afford $200K (the price of the house), you would like to put in an offer of $175K. Now that agent has a legal right to go to that Seller and say that you can afford the asking price of $200K but you are going to make an offer of $175K. Now what do you think is going to happen next?... You guessed it! It’s going to be pretty difficult for you to get that house under the asking price.
That’s why it’s so very important that you establish a relationship with a Buyer’s Agent and have that agent show you any properties for sale that you may be interested in. And best of all, the service is FREE!
Secondly, unless you are a cash buyer, you’ll need financing. Getting pre-qualified and sending your pre-qualification letter in with your offer makes your offer that much stronger. It tells the Seller that you're a serious Buyer. There are several ways you can obtain financing to buy a house in Charlotte Nc. You can apply for a Charlotte FHA loan, or conventional loan. There are several programs that could help you acquire Charlotte Nc Homeownership by helping with downpayment assistance. The House Charlotte Nc Program offers First Time Home Buyers in Charlotte a chance to become a homeowner by providing credit counseling, home buying education and down payment assistance. Others programs include the NC Bond Loan and the NACA Program .
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Once you determine your financing and how much house you can afford, the next step is the most exiting step of all... searching for your new home! It could take anywhere from 30 days to 6 months (9 months for new construction) to find the perfect home but it’s well worth the wait!
Because you’ll need the help of a Real Estate Professional first before you get started, here are some helpful tips to consider when searching for the right Agent.
Questions to Ask a Real Estate Agent - How to Interview an Agent
Smart consumers interview potential real estate agents before deciding on whom to hire. Just as you are sizing up the potential for a good fit, rest assured that the real estate agent will likely be interviewing you too. Be wary of agents who don't ask you questions and probe for your motivation.
1. How Long Have You Been in the Business?
The standard joke is there's nothing wrong with a new agent that a little experience won't fix. But that's not to say that freshly licensed agents aren't valuable. Much depends on whether they have access to competent mentors and the level of their training. Newer agents tend to have more time to concentrate on you.
2. What is Your Best Marketing Plan or Strategy for My Needs?
As a buyer, you will need to know:
How will you search for my new home?
How many homes will I likely see before I find a home I want to buy?
Will I be competing against other buyers?
How do you handle multiple offers?
Do you present offers yourself?
3. Will You Please Provide References?
Everybody has references so don't be afraid to ask for them.
Ask if any of the individuals providing references are related to the agent.
Ask if you can call the references with additional questions.
5. What Are the Top Three Things That Separate You From Your Competition?
A good agent won't hesitate to answer this question and will be ready to fire off why he/she is best suited for the job. Everyone has their own standards, but most consumers say they are looking for an agent who say they are: Ethical and competent
Aggressive marketers
Excellent negotiators
Easily accessible
Excellent communicators
Strong problem solving and conflict management skills
6. May I Review Documents Beforehand That I Will Be Asked to Sign?
A sign of a good real estate agent is a professional who makes forms available to you for preview before you are required to sign them. If at all possible, ask for these documents upfront. As a buyer, ask for copies of the following:
Buyer's Broker Agreement (is it exclusive or non-exclusive?)
Agency Disclosures
Purchase Agreement
Buyer Disclosures
7. How Will You Help Me Find Other Professionals?
Let the real estate agent explain to you who he/she works with and why they choose these professionals. Your agent should be able to supply you with a written list of vendors such as mortgage brokers, home inspectors, contractors and title companies.
8. What Kind of Guarantee Do You Offer?
If you sign a listing or buying agreement with the agent and later find that you are unhappy with the arrangement, will the agent let you cancel the agreement? Will the agent stand behind their services to you? What is their company's policy about canceled agreements?
9. What Haven't I Asked You That I Need to Know?
Pay close attention to how the real estate agent answers this question. You want an agent to take his time with you -- to make sure you feel comfortable and secure with his knowledge and experience. He should know how to listen and how to counsel you by asking the right questions to determine your needs.
We hope that you have found this information helpful. If you would like the help of an experienced Buyer's Agent before you begin, don't hesitate to call me at 704-965-3319 or please fill out the form below to be contacted.
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