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Buyer's Guide

GOING DIRECTLY TO THE SELLER AGENT COULD COST YOU THOUSANDS

Seller agents are representing the seller's interest. Choosing a buyer's agent can protect your interests and prevent you from overpaying by thousands. See potential savings below.

$6K to $20K

Through a CMA (Comparative Market Analysis) the buyer's agent can determine if a home is fairly priced preventing you from overpaying on your investment.

$5K to $60K

Buyer's Agents sometimes can negotiate sellers covering some of the closing costs (Figures above reflect an average of closing costs for $300K to $1M homes)

$14,000

Negotiating in home repairs after inspection saves an average homeowner thousands according to Porch.com. See the average savings above.

90 Ways I Serve You

As a seasoned real estate agent, I take care of every detail to help you buy home quickly and at the best possible price, giving you peace of mind.

  1. Schedule a strategy session to discuss home-buying goals
  2. Prepare an educational guide and presentation
  3. Meet to discuss goals, priorities, and non-negotiables
  4. Explain different types of agent representation
  5. Review various home financing options
  6. Assist in connecting with a mortgage lender
  7. Help obtain pre-approval from a lender
  8. Provide resources for researching neighborhood crime rates, school ratings, etc.
  9. Offer an overview of current housing market conditions
  10. Communicate the value of working with our company
  11. Explain the concept and importance of earnest money deposits
  12. Walk through the home inspection process
  13. Educate buyers on local neighborhoods and communities
  14. Discuss the potential of purchasing foreclosures or short sales
  15. Identify the buyer’s must-haves, wants, and deal-breakers
  16. Explain how school districts impact home value
  17. Discuss privacy concerns regarding recording devices in homes
  18. Understand the buyer’s goals and create a clear action plan
  19. Open an internal file to track records and documents
  20. Send property listings that match the buyer’s criteria
  21. Arrange and begin showing requested homes
  22. Schedule and organize all home showings
  23. Collect and communicate showing instructions for each property
  24. Provide buyers with a showing schedule
  25. Arrive early to prepare for the first showing
  26. Observe potential repair issues during showings
  27. Gather and share feedback after each showing
  28. Update buyers when new properties hit the market
  29. Offer insight and expertise about homes and neighborhoods
  30. Support buyers through the emotional home-buying journey
  31. Listen to feedback and adjust search as needed
  32. Document and track all property showings
  33. Share showing feedback with listing agents
  34. Review and discuss homeowner association (HOA) details
  35. Estimate potential utility usage and costs
  36. Confirm the water source and status of utilities
  37. Discuss any transferable home warranties
  38. Explain the property appraisal process
  39. Prepare buyers for potential multiple-offer situations
  40. Create a practice offer to prepare buyers for submitting an offer
  41. Provide ongoing market data updates
  42. Share weekly updates on showing activity
  43. Notify buyers about any price reductions
  44. Review MLS data during property showings
  45. Help buyers find the right home
  46. Clarify items that are included or excluded in the sale
  47. Prepare the purchase contract when ready
  48. Explain different options within the sales contract
  49. Determine if a lead-based paint disclosure is needed
  50. Discuss home warranty coverage options
  51. Update the pre-approval letter with each new offer
  52. Review and discuss loan objection deadlines
  53. Select a target closing date
  54. Verify listing data and property information for accuracy
  55. Review comparable sales to ensure the offer is competitive
  56. Draft and submit the offer to the listing agent
  57. Negotiate the terms of the offer on behalf of the buyer
  58. Ensure the sales contract and all disclosures are signed
  59. Send the executed contract to the escrow company
  60. Coordinate the earnest money deposit transfer
  61. Deliver all required documents to the mortgage lender
  62. Obtain a copy of the seller’s disclosures
  63. Ensure all parties receive copies of the contract and addendums
  64. Request and review HOA bylaws, if applicable
  65. Maintain copies of all documents for office records
  66. Coordinate home inspections with the buyer
  67. Meet the home inspector at the property
  68. Review the results of the home inspection with the buyer
  69. Negotiate any repair requests or objections
  70. Secure written agreements for any negotiated repairs
  71. Verify any existing lease agreements if applicable
  72. Check with the lender for loan status updates
  73. Confirm the scheduled appraisal date
  74. Renegotiate if the appraisal comes in low
  75. Arrange closing date, time, and location
  76. Ensure all documents are signed and complete
  77. Verify the escrow company has everything needed for closing
  78. Remind buyers to schedule utility transfers
  79. Notify all parties of the confirmed closing time
  80. Resolve any title issues prior to closing
  81. Review and verify closing documents
  82. Go over closing costs and figures with the buyer
  83. Confirm that all agreed-upon repairs have been made
  84. Conduct a final walk-through of the property
  85. Address any last-minute issues before closing
  86. Obtain and submit a Commission Disbursement Authorization (CDA)
  87. Attend the closing with the buyer
  88. Provide the buyer with home warranty documents
  89. Facilitate the transfer of keys and any included accessories
  90. Close out the transaction file with your office

A Step-by-Step First Time Buyer's Guide

Buying a home is one of the most exciting milestones of your life. To prepare yourself for this moment, you need to know what to expect during the process. This step-by-step first time buyer’s guide created by your agent will help reduce the stress of buying a home and help you enjoy the journey as much as possible.

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Step 1: Research

Do you already know where you want to buy? If you want a condo, townhome, or single-family home? Which features do you like and dislike? What’s available on the market now? If you answered no to any of these questions, now is the time to start researching. In addition to looking for homes that interest you, also take note of any changes in asking prices. This could give you valuable insight into housing trends in specific neighborhoods and help you when the time comes to make an offer.

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Step 2: Decide on Your Budget

Notice I said to decide on your budget—not determine how much the mortgage company will give you. In many cases, a mortgage company will pre-approve you for more than you’re comfortable spending, which is why you need to determine the monthly payment you feel comfortable with before talking to a lender. This likely includes doing a full household budget and taking into consideration what changes other than a mortgage payment will occur once you move into your new home. If you’ve lived in an apartment or with roommates, you may overlook new expenses like garbage, water, or HOA fees that could easily blow your budget.

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Step 3: Get Prequalified

Just because you think you can afford a certain payment every month doesn’t mean the mortgage company will agree. Just as they may approve you for too large of an amount, they may also approve you for a lesser amount or deny you a mortgage altogether. Lack of time at a job, insufficient credit, past bankruptcies, or other financial issues can cause major problems when trying to secure a mortgage. Before you get your heart set on a home, talk to a mortgage professional to find out what amount you can qualify for. This will also be an advantage when you make an offer on a home, as some sellers won’t entertain offers from those who aren’t already prequalified for a loan.

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Step 4: Choose a Real Estate Agent

Can you shop for, look at, and ultimately make an offer on a home without a real estate agent? Technically yes, but why would you when it costs you nothing for an agent like me to take much of the stress off your shoulders? Not only will I help identify properties you might be interested in, arrange showings, and ultimately handle the offer process, but I also have a knowledge of the market that you don’t possess. Finding the perfect home can be a daunting task, this is where my expertise and wealth of knowledge come into play. Let me show you around some homes that meet your dream home criteria so you can find the one that's right for you.

My goal is to provide you with the most personalized service that is designed to help you buy your dream home

Schedule A Consultation
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Step 5: Find the Right Home

This should be the most enjoyable step of the entire process (other than moving in!). I will arrange showings of homes you’re interested in that are within your price range. Take notes about what you like and don’t like, and make sure to pay attention to details. Turn light switches on and off, open and close doors, and run the faucets in various rooms. Don’t limit your inspection to the home itself. Make sure to take time to explore the neighborhood and keep an eye on traffic at certain times of the day, the parking situation, and how close it is to necessities like schools and grocery stores.

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Step 6: Make an Offer

Once you have selected the perfect home, work with your agent to craft a fair offer based on the value of comparable homes on the market. Depending on what the home is listed at and whether the current environment is a buyer’s or seller’s market, your offer may be below, at, or even above the asking price. I will be able to help you negotiate if you receive a counteroffer and reach an agreement. At this point, the house will go into escrow.

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Step 7: Have the Home Inspected

In most cases, your offer will be contingent on having the home inspected to ensure there is no major structural damage or large repairs needed. I can help you arrange this, and you can schedule it within days of making an offer. If there are no major issues, the process goes to step eight. If there is, you can renegotiate your offer based on what needs to be fixed, or you can withdraw it.

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Step 8: Select Your Loan

Now is the time to go back to the mortgage lender who pre-approved or pre-qualified you and choose your mortgage. You will be presented with various options based on your unique financial situation, including fixed-rate, variable-rate, 15-year, 30-year, or special programs such as VA loans or FHA loans. Work with your mortgage lender to select the option you feel the most comfortable with.

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Step 9: Get a Home Appraisal

Your lender will have your new home appraised so they have their independent value of it. The appraisal is to ensure that all parties involved are paying a fair price for the house.

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Step 10: Finish Paperwork

No one looks forward to all the paperwork involved in buying a home, but it’s a necessary part of the process. Fortunately, everything will be arranged by your lender and title company and, when you’re finished, you’ll know you are the legal owner of your new home.

Congratulations!

After signing the final paperwork to complete the purchase, you are now the owner of a new house. It may take a few days for your loan to be funded once the paperwork has been returned to the lender, but once that check is delivered to the seller, you’ll be all set to move into the home of your dreams. 

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Elevate your real estate experience with Mason’s expert negotiation, market insight, and commitment to client success. Contact her today!

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Contact Details

Mason Sadler

Phone

(808) 960-0444

Email

[email protected]

Address

202 S Rome Ave Ste 60 Tampa FL 34606

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