Why you should choose me to be your Buyer's Agent
For most families, choosing a new home is the biggest financial decision they will ever make. There are many complicated decisions involved in choosing your new home. To protect your interests and assure that you make the best possible decisions, it's important that you have an agent on your side who is an expert in the local real estate market.
As your agent, my focus is on getting you the best possible home at the best possible price. I will work hard not only in finding you potential new homes to see, but also in keeping you informed of everything that takes place. As your agent and a top expert in the local market, I'll negotiate the best prices and terms for you and answer all of your questions as they arise. I'll be representing you, not the seller. This assures that my experience and expertise in the local market will be used in your best interests during the negotiation process.
As your agent, I will:
- Assure that you see all the properties in the area that meet your criteria. Not just those listed on the local MLS, but also many un-listed properties that I find through my local contacts and affiliations.
- Guide you through the entire process, from finding homes to look at, to getting the best financing.
- Make sure you don't pay too much for your new home. As a real estate expert in this area, I help people negotiate and make home purchase decisions every day. I can help you avoid costly mistakes.
- Answer all of your questions about the local market area. Not just about homes for sale, but about schools, neighborhoods, the local economy and more.
Let me help you find your dream home and assure your best interests are protected throughout the entire process. Feel free to call or e-mail me with any questions you may have at any time. Fill out this form and I'll get back to you right away.
Purchasing a home in Lake Norman with Randy Cameron
Purchasing a home is intimidating for most people, but with a little planning ahead of time, it's not too hard. I like to supply buyers with an overview of the entire deal so they'll know exactly what to expect. These are my nine steps to purchasing a home.
When you're ready to get started, simply contact me. We are happy to address any questions you have about this information.
Step 1 – Prepare to purchase a home
Before you begin looking for a home, there are many things you'll want to do. When you begin your search, you'll probably want to create a check list of features you need, get a plan of what neighborhoods and school districts you want to live in, and start working on your budget. Ensuring your mortgage payment is no more than a third of your monthly income is a good rule of thumb to follow.
Step 2 – Talk to a real estate agent
That's where I can help. I'd love to book a time to meet with you and communicate with you regarding your real estate needs and get an idea of your future plans. We'll talk about neighborhoods, school districts in the area, the mortgage industry, and any additional economic factors that could potentially affect your purchase today or in the future.
In addition, I'll help you begin the loan process. There are some very good mortgage professionals in, and I partner with a lot of them, so you're in great hands. They can assist you in choosing which type of loan is best for you and help you get qualified.
Step 3 – Start house-hunting
After we meet for the first time, I'll start finding available houses on the market that best suit you. I'll research most of the houses and reject the duds, and then I'll set up appointments to tour the houses when it's most convenient for you.
As we view houses, I'll point out good features and bad ones. I'll even ask you about things you like and don't like. It's common for buyers to revise their list of must-haves as we tour houses and some items become more crucial than others. If that's the situation, I'll go back through all the listings one more time and trim it down to the home you've been waiting for.
Step 4 – Get a grasp of the market
My knowledge of the housing market is a valuable advantage in your search. I'm mindful of all the neighborhoods and schools, and I can alert you to some areas are "hot" and call for prompt action and the others that are "cool" and allow for more examination.
When we tour houses, I'll be sure to tell you if the asking price has room for bargaining or if I believe the house is "priced to sell." Be careful and make sure you ask your agent lots of questions, as every real estate agent will claim to comprehend the market. If things don't add up, call me at 704-232-5536 or e-mail me, and I'll be glad to answer any questions you might have. My market knowledge will help you stay a step ahead through the entire deal.
Step 5 – Find the home you've been looking for
I know I'll find the home of your dreams in. When I do, I'll carefully create your home purchase offer. The offer will be tailored keeping your needs in mind, including many contingencies. A few examples are acquiring financing, completing the inspection, and a clear title.
Upon submitting your offer, you'll likely want to present "earnest money." This is a cash deposit made to the seller to secure the offer to buy the property, and it's typically applied to the closing costs. If the offer is accepted by the seller, we should close on the home within 30 to 60 days afterward. This allows enough time for your mortgage financing.
Step 6 – Negotiate
Unfortunately most deals aren't closed on the beginning offer, and it's extremely common to receive a counter offer. But don't let this alarm you. We'll talk about whether or not to agree to the counter offer, present our own counter offer, or refuse the seller's offer and go on.
How aggressively we negotiate the deal depends on market conditions. I'll also work within your financing budget. And when it's all said and done, I'll create a contract that's best for you.
Step 7 – Get your loan
After the contract is finished, you'll begin working with your lender to close the loan. This won't take much time at all if you're already pre-approved, but you need to keep in close contact with your lender. And I'll look after all the property information your lender will need to close the loan.
Step 8 – Close the deal
Your mortgage lender will give you a Good Faith Estimate (GFE) outlining your closing costs within three days of taking your application. The estimate depends on the loan amount. RESPA requirements order that it has to involve all closing costs and be within a precise range of accuracy, and I'll analyze the estimate and let you know if everything looks okay.
Then we'll close on your home. This will most often take place at a title company or escrow office and will most often be a smooth and relaxing occasion.
Step 9 – Move in
You made it! It's time to move into your new house. Enjoy it. And if you need anything or have any questions, make sure you call me at 704-232-5536 or send me an e-mail.