My professional promise is to provide each and every client with the upmost professionalism, knowledge and compassion. Each of my clients will feel important, informed and taken care of throughout the transaction based on solid communication and undivided attention given to each client and situation. Protecting your best interest is ALWAYS my number one priority! Your happiness is my ultimate goal!
My Real Estate business has been around one guiding principal… Its All About YOU!
I will work with you to understand your unique lifestyle needs and wishes because buying a home is more than a certain number of bedrooms or particular zip code. Its about your life and its IMPORTANT to ME!
My focus is on your complete satisfaction. In fact, I work to get the job done so well you will want to tell your friends, family and coworkers all about me! The majority of my business comes from referrals from happy customers! Good service speaks for itself! I'm looking forward to the opportunity to earn your REFERRALS too!!!
As a Part of my service, I will commit to helping you with your home search by:
Three Factors Determining How Much you Can Afford!
Lenders may require that your monthly payments be between 28-44% of your monthly income. The percentage will depend on the borrower’s credit rating. Your monthly mortgage payment to the lender will consist of:
Most home loans today require an upfront, or down payment between 3.5-10%. If you are able to pay more upfront, you may be eligible for lower interest rate loans and shorter loan periods.
Earnest Money is a deposit that is usually required to be paid to the title company of the sellers choice within 3 days of the accepted contract. The amount of this is determined by the seller but can range from 1K-5K.
Additional fees and costs associated with loan processing and closing are required to be paid at the final closing, unless you are able to include them in your financing. Typically closing costs amount to between 2-5% of the purchase price (not the loan amount). The lender you choose will be able to tell you what fees you should expect, so when you are interviewing lenders make sure they are clear and up front with how these fees will work.
Once you have found the property you want, we will write a purchase agreement. While much of the agreement is standard, there are a few areas that we can negotiate:
What you offer on a property depends on a number of factors including its condition, length of time on the market, buyer activity, and the urgency of the seller. While some buyers want to make a low offer just to see if the seller accepts, this often isn't always a smart choice, because the seller may be insulted and decide not to negotiate at all. So foundational facts and info to support the offer price is best.
If you can be flexible on the possession date, the seller may be more apt to choose your offer over others.
Often, the seller plans on leaving major appliances in the home; however, which items stay or go is often a matter of negotiation.
We will present the offer to the listing agent and/or seller. The seller will then do one of the following
By far the most common is the counteroffer. In these cases, my experience and negotiation skills become more powerful in representing your best interests.
When a counter offer is presented, you and I will work together to review each specific area of it, making sure that we move forward with your goals in mind and ensuring that we negotiate the best possible price and terms on your behalf.
Note: Earnest money will be needed at time of the offer. This is typically 1-2% of the offer price. This check is made to Title Company and will ONLY be deposited if the offer is accepted. This amount WILL be applied to the down payment.
Closing day marks the end of your home-buying process and the beginning of your new life! To make sure your closing goes smoothly, you should bring the following:
Transfer of title moves ownership of the property from the seller to you. The two events that make this happen are:
This is the check or wire of funds provided by your lender in the amount of the loan to the seller.
A deed is the document that transfers ownership of real estate. The deed names the seller and the buyer, gives a legal description of the property, and contains the notarized signatures of the seller and witnesses.
At the end of closing, the deed will be taken and recorded at the county clerk’s office. It will be sent to you after processing at NO CHARGE!
Canino's Bella Casa Group
EASY EXIT BUYER GUARANTEE
Note: I ALWAYS check my email and text messages. I almost never answer the phone while showing clients homes, but will check messages frequently. I make sure all my clients get my undivided attention when they are with me so will YOU!