| Why Buy A Home With US |
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Step 1: Which Price and Financing terms are Best for You? Before looking
at home on the market, you should first consult with a licensed mortgage
lender. Getting pre-approved for a loan may save you thousands of
dollars on your purchase. A lender will discuss all the factors which
affect your interest rate and the loan programs and price which best fit
your budget. Your lender will also advise you regarding the most
comfortable financial terms to include your monthly mortgage payments,
taxes, insurance, and possibly homeowner’s association fees Step 2: Free Buyer Consultation At Berger
Realty Group, we make the process of shopping for a home fun and easy!
We will ask you a few questions to determine your wants and needs. Also
some important info to define your location and Top 10 Feature Wish List.
A BRG real estate Consultant will offer you a custom home presentation
in our comfortable In-House Media Room. There you will be able to view
pictures of different styles and locations of properties for sale in
your price range and together, you and your Realtor will select the
homes which feel right for you! It is fun and easy to preview many
different neighborhoods and make price adjustments to choose the best
combination of features and location. Step 3: Formal Loan Application It is
recommended that you complete a formal Mortgage Application during the
home shopping process. The further along your qualification, the better
the presentation we can make to the Seller, and very often this means a
better price for the Buyer. A Seller is more likely to give their best
price to a Buyer who is truly qualified to purchase their home. You will
be expected to pay at the time of the application for both a credit
report to be obtained and a future appraisal to be performed. The
estimated cost is +/- $400. Step 4: Searching For Your Dream Home After
discussing what you are looking and having all of your questions
answered regarding financing, we are now ready to find the home of your
dreams. Using the latest online technology, we will search the Multiple
Listing Service (MLS) as well as other resources to find the properties
which fit your family’s needs. Our expert Realtors will be able to
narrow the search, because we know that your time is valuable. Step 5: Drafting An Offer / Purchase Agreement Once you find
the home of your dreams, we will draw up a contract for sale and
purchase on a form approved by the Florida Association of Realtors. Your
Realtor will explain the entire agreement, so you completely understand
all the terms and conditions of your offer. Step 6: Write Earnest Money Check At the time an
Offer is written on the property you choose, an Earnest Money Deposit
will be required to go along with your written offer. This amount shows
the Seller that you are sincere about the offer to purchase. We suggest
that our Clients write a check in the amount of 1% of the contract price
of the property. We will then present the Offer to the seller’s
representatives on your behalf and negotiate the price and terms which
you agree shall best meet your needs and financial objectives. Your
earnest money will be deposited into a Title company or Attorney Escrow
Account. Step 7: Inspection We recommend
that you have a professional, licensed inspection company inspect the
home, particularly the roof, pool, A/C and appliances, for problems or
defects. The inspection company fee will be approximately $250 to $500
and must be paid at the time the inspection is performed. Step 8: Our Experience at Work for You At Berger
Realty Group, our services are not complete until you safely and
securely in your new property. We will remain in direct communication
with all parties including your mortgage lender, Title Company, and
Inspection Company. We will also keep you informed throughout the entire
process. Your Realtor will attend the inspection, appraisal, and Closing.
We will be there to walk you through every step. Our goal is to provide
you with…The Ultimate Real Estate Experience. |