Buyer Information

Your agent should have a strong understanding of the key features within each neighborhood. This includes important details such as the property tax rate, the local school system, whether the area commonly experiences foundation issues, and if old cast iron plumbing is a concern. Having this knowledge helps you make more informed and confident decisions.

Interest rates fluctuate often, so having the right guidance matters. A knowledgeable Realtor can help you negotiate not only the rate, but also lender fees and potential buy down points. It is always a smart idea to speak with two or more lenders to compare options and find the best fit for your situation.

It's Important to know the Age of these items BEFORE you negotiate an Offer.  The HVAC typicaaly last 10 to 15 years.  Tank water heaters last about 8 to 12 years, though hard water can reduce this to the lower end without proper maintenance. The Roof (Shingles) can be the Biggest problem. Most insurance companies will not right coverage for a roof over 8 years old.

Many factors come into play when making an offer, especially in a multiple offer situation.
• What is MOST important to the seller?  Price, Quick close, As-Is sale, . . .
• Does the seller need to stay in the home (lease-back) after the sale?
• Will the home appraise for the contract amount?
• Are you willing to pay OVER the appraisal if it comes in short?
• Consider increasing your earnest money and a higher option fee.
• Determine the shortest option period you are comfortable with (see par 23 of contract)?
• Consider covering costs like the title policy to make your offer more appealing.
• Will we be picky about the home inspection and repair items?