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GETTING STARTED AS A BUYER
Get Pre-Qualified or Pre-Approved
Pre-Qualified means that you have talked to a lender or a mortgage broker who has, based on
information you told them, calculated what your home budget should be. This qualification is subject to
verification of the information you gave the representative and the appraisal of the actual home you will
purchase. Pre-Approval means that a lender has actually verified your financial information and
approved you as a borrower for a specified amount. All you need to do is to purchase a home which
will appraise at the price you and the seller agreed upon.
Getting pre-qualified or pre-approved is important for two reasons. First, as your Realtor® I will need to
know which properties fall within your financial means. I want to show you the best value possible in
your price range. Second, when you write an offer on a property you will want to attach the pre-
qualification/approval letter to your offer so that the seller is favorably impressed by your financial
credentials.
Call me, and I can refer you to a reliable broker or lender representative for additional information.
There is no cost for pre-qualification, and the process is easy.
Let's get together!
I like to get to know my clients; in particular their individual needs and wants. That way, I can tailor our
search for your future home to your unique requests and budget. Plan on spending about a half-hour
with me at our office. I'll ask you some questions that will help me understand what you're looking for.
Let's look at some homes!
Once I know your taste in homes and your budget I can arrange for us to preview some homes. I
usually book about four to six homes; or about what we can see in two to three hours. I've found that
more than that often overloads buyers with too much information ("Was the blue master bath in the
yellow house or in the white house with green shutters?”).
Sometimes on the very first outing you'll find THE house. After all, I'll try to show you your "best bets"
right away. If not, I'll keep on going with another round until you've seen the entire possible inventory. If
the inventory is low, you may need to be patient. I'll watch for new listings that might match your
criteria and call you right away so that you can get the jump on competitive buyers.
What should I offer?
Once you find THE house, I'll guide you through the offer process. Writing an offer takes about a hour.
I'll explain how to form the terms of your offer. I'll also review the recent sales which are comparable
to "your" house and advise you regarding various strategies you may want to consider. Every client
and every house are different—and so are offers. Here is where my years of experience will pay off
for you.
You'll need a personal check to write an "earnest money deposit" to attach to your offer. This check is
held uncashed until after your offer is accepted by the seller and escrow is opened.
Presenting your offer
After I write your offer for you, I will arrange to meet the seller and their agent and to present your
offer. I prefer personal presentations whenever possible. I do this so that the seller has an opportunity
to hear about your qualifications and to ask questions on a face to face basis.
Sometimes the seller and their agent will write a counter offer, which I will then present to you for your
response. The offer/counter offer "back and forth" could go on indefinitely, but usually one or two
counter offers will resolve differences.
What happens when the seller accepts my offer?
After you and the seller reach an agreement, your earnest money deposit is placed in an escrow
account. I then begin the count down to the close of escrow when title is transferred to your name.
There is much activity during this period, all of which I, as your agent, will guide you through. You
never have to "wing it”, so don't worry.
How much will this cost me?
Other than your down payment and loan costs, you should plan on paying for whatever property
inspections (physical, geological and the like) you choose, the lender-required title policy and certain
other miscellaneous fees. I will calculate for you the amount of money you will need, including down
payment & closing costs.
GETTING STARTED AS A SELLER
Call me first. I will arrange an appointment at your convenience and without obligation to meet you and
to see your home. Then, I will research your home's general information, will outline our unique
package of marketing tools and show you how these techniques translate directly to a higher sale
prices in a shorter amount of time with less hassle for you.
I will show you how your home compares to other homes currently on the market, in escrow or which
have sold recently. My goal is to provide you with all the background information you will need to make
an informed decision when pricing your property.
I will discuss with you my opinion of the value of your home in today's market based upon the
information I have researched and upon my expertise regarding the market experience of sellers of
comparable homes to yours.
I can suggest ways you might enhance the marketability of your home.
I will discuss the costs involved in selling your home.
I will be ready to put the advantage of my marketing know-how and tools to work for you immediately!
Get Pre-Qualified or Pre-Approved
Pre-Qualified means that you have talked to a lender or a mortgage broker who has, based on
information you told them, calculated what your home budget should be. This qualification is subject to
verification of the information you gave the representative and the appraisal of the actual home you will
purchase. Pre-Approval means that a lender has actually verified your financial information and
approved you as a borrower for a specified amount. All you need to do is to purchase a home which
will appraise at the price you and the seller agreed upon.
Getting pre-qualified or pre-approved is important for two reasons. First, as your Realtor® I will need to
know which properties fall within your financial means. I want to show you the best value possible in
your price range. Second, when you write an offer on a property you will want to attach the pre-
qualification/approval letter to your offer so that the seller is favorably impressed by your financial
credentials.
Call me, and I can refer you to a reliable broker or lender representative for additional information.
There is no cost for pre-qualification, and the process is easy.
Let's get together!
I like to get to know my clients; in particular their individual needs and wants. That way, I can tailor our
search for your future home to your unique requests and budget. Plan on spending about a half-hour
with me at our office. I'll ask you some questions that will help me understand what you're looking for.
Let's look at some homes!
Once I know your taste in homes and your budget I can arrange for us to preview some homes. I
usually book about four to six homes; or about what we can see in two to three hours. I've found that
more than that often overloads buyers with too much information ("Was the blue master bath in the
yellow house or in the white house with green shutters?”).
Sometimes on the very first outing you'll find THE house. After all, I'll try to show you your "best bets"
right away. If not, I'll keep on going with another round until you've seen the entire possible inventory. If
the inventory is low, you may need to be patient. I'll watch for new listings that might match your
criteria and call you right away so that you can get the jump on competitive buyers.
What should I offer?
Once you find THE house, I'll guide you through the offer process. Writing an offer takes about a hour.
I'll explain how to form the terms of your offer. I'll also review the recent sales which are comparable
to "your" house and advise you regarding various strategies you may want to consider. Every client
and every house are different—and so are offers. Here is where my years of experience will pay off
for you.
You'll need a personal check to write an "earnest money deposit" to attach to your offer. This check is
held uncashed until after your offer is accepted by the seller and escrow is opened.
Presenting your offer
After I write your offer for you, I will arrange to meet the seller and their agent and to present your
offer. I prefer personal presentations whenever possible. I do this so that the seller has an opportunity
to hear about your qualifications and to ask questions on a face to face basis.
Sometimes the seller and their agent will write a counter offer, which I will then present to you for your
response. The offer/counter offer "back and forth" could go on indefinitely, but usually one or two
counter offers will resolve differences.
What happens when the seller accepts my offer?
After you and the seller reach an agreement, your earnest money deposit is placed in an escrow
account. I then begin the count down to the close of escrow when title is transferred to your name.
There is much activity during this period, all of which I, as your agent, will guide you through. You
never have to "wing it”, so don't worry.
How much will this cost me?
Other than your down payment and loan costs, you should plan on paying for whatever property
inspections (physical, geological and the like) you choose, the lender-required title policy and certain
other miscellaneous fees. I will calculate for you the amount of money you will need, including down
payment & closing costs.
GETTING STARTED AS A SELLER
Call me first. I will arrange an appointment at your convenience and without obligation to meet you and
to see your home. Then, I will research your home's general information, will outline our unique
package of marketing tools and show you how these techniques translate directly to a higher sale
prices in a shorter amount of time with less hassle for you.
I will show you how your home compares to other homes currently on the market, in escrow or which
have sold recently. My goal is to provide you with all the background information you will need to make
an informed decision when pricing your property.
I will discuss with you my opinion of the value of your home in today's market based upon the
information I have researched and upon my expertise regarding the market experience of sellers of
comparable homes to yours.
I can suggest ways you might enhance the marketability of your home.
I will discuss the costs involved in selling your home.
I will be ready to put the advantage of my marketing know-how and tools to work for you immediately!
| Kathie DeYoung |
Associate Broker
| Tel: 914.489.9199 |
| Dutchess & Putnam County N.Y. Real Estate |
Towns
| Copyright Overhill Graphics 2008 |
| © Prudential Serls Prime Properties An independently owned and operated member of The Prudential Real Estate Affiliates, Inc. is a service mark of The Prudential Insurance Company of America. An Equal Housing Opportunity Realtor |
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| 914.489.9199 |
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