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FINDING YOUR NEW HOME
Aisha Spivey
Richard Statham, Jr
BHGRE Metro Brokers
Realtor
February 28, 2017
The 7 Step Home Buying Process
1. Consulting with a real estate agent
2. Getting pre-approved
3. Finding the home
4. Makin...
1. Consulting With A Real Estate Agent
Understanding Your Expectations
• What questions do
you have about
working with a Realtor
to find your new
home?
• What ar...
Why Use A Real Estate Agent?
• Helps you determine
how much house you
can afford.
Why Use A Real Estate Agent?
• Provides detailed
information on
properties from the
Multiple Listing Service
and other sou...
Why Use A Real Estate Agent?
• Provides you with
information about the
market so you can
develop an offer
including the of...
Why Use A Real Estate Agent?
• Advises you about the
importance of a
home inspection
and other inspections
required by law.
Why Use A Real Estate Agent?
• Assists you in
understanding different
financing options.
What Is A REALTOR®
?
• We adhere to a strict code
of ethics and are committed
to treat all parties to a
transaction honest...
Buyer Representation
Buyer representation exists
to protect you.
• I will analyze comparables
so that we can determine
the...
2. Getting Pre-Approved
• A mortgage
pre-approval will
determine how much
money you can borrow
for the purchase of your
ne...
Getting A Pre-approval Letter
The process involves:
• Calculating your income vs.
debt ratios.
• Running a credit review.
...
3. Finding The Home
Assessing Your Needs - Lifestyle
How you live will help
determine where you live.
• What is the driving force
behind this ...
Assessing Your Needs –
Your Dream Home
Putting together your wish list.
• Who will be living in the home?
How much space d...
Listing Alerts
I will set you up to receive
“Listing Alerts” so you can be
the first to know when new
homes matching your ...
4. Making An Offer
How Much To Offer
Making an offer to purchase
involves more than picking a
price.
We will review
comparable properties
in ...
Negotiable Terms In The Contract
Other negotiable items in the
contract we will discuss include:
• Inspections, repairs an...
5. Negotiating The Offer
Once the offer is submitted,
I will work with you in the
negotiations.
Inspecting The Property
• Home inspections will serve as
an education in the structure
and systems of the property
you are...
Executing The Deal
6. Processing The Loan
Now that you have the
seller’s final approval, we
need the lender’s final
approval.
Final Financing Approval
For example:
• There are no liens on the
house
• The house appraised at a
value equal to or great...
7. Closing & Funding
Just before
settlement, we will
make one last
inspection of the
property to ensure
that the home is i...
Making Arrangements For Closing
• Homeowners insurance
• Home warranty
• Certified funds for down
payment & closing costs
...
Welcome Home!
LET’S GET STARTED
www.RichardStathamHomes.com
404-825-9205
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Buyer Presentation

  1. 1. FINDING YOUR NEW HOME Aisha Spivey Richard Statham, Jr BHGRE Metro Brokers Realtor February 28, 2017
  2. 2. The 7 Step Home Buying Process 1. Consulting with a real estate agent 2. Getting pre-approved 3. Finding the home 4. Making an offer 5. Negotiating the offer 6. Processing the loan 7. Closing & funding
  3. 3. 1. Consulting With A Real Estate Agent
  4. 4. Understanding Your Expectations • What questions do you have about working with a Realtor to find your new home? • What are your expectations of me?
  5. 5. Why Use A Real Estate Agent? • Helps you determine how much house you can afford.
  6. 6. Why Use A Real Estate Agent? • Provides detailed information on properties from the Multiple Listing Service and other sources.
  7. 7. Why Use A Real Estate Agent? • Provides you with information about the market so you can develop an offer including the offering price and other terms.
  8. 8. Why Use A Real Estate Agent? • Advises you about the importance of a home inspection and other inspections required by law.
  9. 9. Why Use A Real Estate Agent? • Assists you in understanding different financing options.
  10. 10. What Is A REALTOR® ? • We adhere to a strict code of ethics and are committed to treat all parties to a transaction honestly. • REALTOR® business practices are monitored at local board levels.
  11. 11. Buyer Representation Buyer representation exists to protect you. • I will analyze comparables so that we can determine the fair market value of the home. • I will help you determine the appropriate price.
  12. 12. 2. Getting Pre-Approved • A mortgage pre-approval will determine how much money you can borrow for the purchase of your new home.
  13. 13. Getting A Pre-approval Letter The process involves: • Calculating your income vs. debt ratios. • Running a credit review. A pre-approval letter will strengthen your position when making an offer on a home!
  14. 14. 3. Finding The Home
  15. 15. Assessing Your Needs - Lifestyle How you live will help determine where you live. • What is the driving force behind this move? (Job, family, more space, schools, lifestyle, etc.) • What type of activities do you enjoy?
  16. 16. Assessing Your Needs – Your Dream Home Putting together your wish list. • Who will be living in the home? How much space do you think you will need? • Other considerations include: Age of home, lot size, kitchen, baths, layout, style, condition. • What are three “must have” features for your new home?
  17. 17. Listing Alerts I will set you up to receive “Listing Alerts” so you can be the first to know when new homes matching your criteria come on the market!
  18. 18. 4. Making An Offer
  19. 19. How Much To Offer Making an offer to purchase involves more than picking a price. We will review comparable properties in the neighborhood that have sold recently.
  20. 20. Negotiable Terms In The Contract Other negotiable items in the contract we will discuss include: • Inspections, repairs and home improvements • Closing costs, points or home warranty • Closing data and possession
  21. 21. 5. Negotiating The Offer Once the offer is submitted, I will work with you in the negotiations.
  22. 22. Inspecting The Property • Home inspections will serve as an education in the structure and systems of the property you are purchasing. • The inspector(s) will give you information regarding condition, maintenance, lifespan and more. • I will help guide you through the process so you can negotiate repairs for the property based on the review of the inspections.
  23. 23. Executing The Deal
  24. 24. 6. Processing The Loan Now that you have the seller’s final approval, we need the lender’s final approval.
  25. 25. Final Financing Approval For example: • There are no liens on the house • The house appraised at a value equal to or greater than the agreed upon sales amount Final approval means all conditions on the loan have been removed.
  26. 26. 7. Closing & Funding Just before settlement, we will make one last inspection of the property to ensure that the home is in the condition we expect.
  27. 27. Making Arrangements For Closing • Homeowners insurance • Home warranty • Certified funds for down payment & closing costs • Utilities and movers
  28. 28. Welcome Home!
  29. 29. LET’S GET STARTED www.RichardStathamHomes.com 404-825-9205

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