—  buying your dream home  —

Buying a home is a significant and exciting decision. I will guide you through the home-buying process from start to finish. I am ready to make a full-time commitment to help you capitalize on current market opportunities and assist you in making an informed decision.

To ensure you make the right choice for the long term, I offer extensive knowledge in the following:

• Neighborhoods, schools, and market conditions

• Mortgage specialists who can assist you with your financing

• Technologies that give you an edge and multiple resources available exclusively for my clients.

The single biggest reason most people buy a home is the simple desire to own a home of their own. At the same time, homeowners accumulate wealth for the future while enjoying the benefits of a residence that they can use, improve and enjoy. What’s different is each individual’s wishlist of essentials, from school systems to the number of bedrooms, acreage, etc. I can help you create a comprehensive list of criteria to work with.

I have lived and worked in Connecticut my entire life and have assisted clients with the acquisition of their dream homes for over two decades.  Below are several useful tips and tricks to consider.  Please do not hesitate to contact me so we can discuss what it is you're looking for and how I can help you get it.

—  what’s right for you?  —

Before deciding which house to buy, consider your lifestyle, current and anticipated housing needs, and budget. It’s a good idea to create a prioritized list of features you want in your new home; you'll quickly discover finding the right house involves striking a balance between your "must-haves" and your "nice-to-haves."

If you love to cook, you'll appreciate a well-equipped kitchen. If you're into gardening, you'll want a yard. If a home office is a must, you’ll need a room that will provide you with adequate workspace. If you have several cars, you may require a larger garage. Use this list as your search guide.

Next, consider what you might need in the future and how long you will likely live in this particular home. If you're newly married, you might not be concerned with a school district at the moment, but you could be in a few years. If you have aging parents, you may want to look at homes that offer living arrangements that could accommodate them as well.

It’s important to think about your new home’s location just as carefully as its features. In addition to considering the distance to work, evaluate what matters to you in terms of services, convenience, and accessibility, such as shopping, police and fire protection, medical facilities, school and daycare, traffic and parking, trash and garbage collection, and even recreational facilities.

While buyers frequently use the Internet to access listings or available properties for sale, real estate professionals like me bring value to the entire home-buying process. I am available to analyze data, answer questions, share my professional expertise, and handle all the paperwork and legwork involved in any real estate transaction. I help my clients narrow their choices by sharing market trends and local information.

Once you've found your ideal house, it’s time to start with the purchase's financial and contractual side. Let me guide you through this process. Purchase contracts vary in length and terms from deal to deal.

Multiple offers on the same home are not uncommon, so you may only get one chance to make an offer that the seller will consider. That's why it's important to think carefully about your strategy.

— How much can you afford?  —

Now that you know what you're looking for, the next step is figuring out what type of home you can afford. A review of your income, savings, monthly expenses, and debt will be necessary.

You'll want to get pre-qualified for a mortgage loan early in the process. It enables you to move swiftly when you find the right home, especially when there are other interested buyers. It also indicates to the seller that you are serious and can afford to buy the property. A pre-approval is a simple calculation done by a mortgage lender that tells you the amount you'll be able to finance through a loan and your monthly payment.  I have assembled a team of elite mortgage professionals I have worked with for many years to close hundreds of transactions.

The price you can afford to pay for a home will depend on several factors, such as:

• Gross income

• The funds you have available for the down payment, closing costs, and cash reserves required by the lender

• Your debt

• Your credit history

• The type of mortgage you select

• Current interest rates

Another figure that lenders use to evaluate how much you can afford is the housing expense-to-income ratio. It is determined by calculating your projected monthly housing expense, which consists of the principal and interest payment, property tax payments, and insurance premiums on your new home loan (also known as PITI).

Each buyer is unique, and a mortgage professional can help you find what you can afford.

— How much do you offer?  —

I will help you find out what other homes have sold for in the area and how much money you might have to put into repairs or renovations. These considerations should be a factor along with the amount you're comfortable spending.

In addition to the sale prices of other comparable homes, there are several ways to come up with a winning bid. For example:

The condition of the house. Is the home in move-in condition, needing paint and other cosmetic improvements, or a fixer-upper that needs real work?

The market. If you are in a buyer's market — where there are more homes for sale than people to buy them — prices are probably stable or falling. If you are in a seller's market — where more buyers are looking for homes than there are homes for sale — prices are probably moving upward.

Your ceiling. If you have a credit pre-approval, you know how much you can borrow for your home purchase. Of course, you may not be comfortable paying as much as you've been approved to borrow, so think carefully about your financial situation before making an offer.

Next, decide how much you are willing to pay for a home. Remember, the advertised price of a house is just a starting point – it may take quite a bit of negotiating to arrive at a final cost.

— We’re under contract. Now what?  —

Home Inspection - A standard inspection that includes:

• Room-by-room review

• Exterior home components

• Electrical systems

• Foundation and structural components – both interior and exterior

• Heating/air conditioning systems

• Plumbing systems

• Attic/basement/crawl spaces

Once you have arranged for a home inspection (I have assembled a team of professionals with proven track records), plan to accompany the inspector for the entire procedure. You have the right to be there, and leading home inspection companies will encourage your presence. It helps you to better understand the findings in the report and will reduce post-closing surprises. Don't forget your list of questions and items of concern.

A thorough home inspection covers more than 1,000 items, everything from foundation to roof, and takes two to three hours, depending on the size and age of the property. The report should reflect the condition of about 400 items. A typical inspection can range from $300-$600.

Some common items a home inspection could uncover are:

• Maintenance problems such as rotting decks, paint chips, water-damaged ceilings, etc.

• Electrical problems (even faulty fuses can lead to bigger difficulties in the future)

• Drainage problems, which could include water intrusions below the home

• Roof leaks and defects from aging

• Poor ventilation, especially in an attic; this is the time to ensure that all vents are clean and working properly

• Excess air leakage due to poor weather stripping and subpar caulking around fixtures

• Failed window seals, which are routinely found with dual-pane windows

• Environmental contamination caused by asbestos, mold, formaldehyde, lead paint, radon, soil contamination, and/or water contamination

• Faulty lines in water heaters, overflow piping, and/or hazardous flue conditions

I have years of experience with home building, maintenance, and repairs and will work with you to develop and execute a plan to make sure that the home you are purchasing is as it should be when we close, and you take possession.

— closing time  —

In general, ownership of the home is officially transferred to you from the seller at the closing, which takes place on a date you both have agreed to. The closing typically takes place at your attorney's or real estate broker’s office. Again, I have assembled a team of elite attorneys I have worked with for many years.

In advance, your attorney will conduct a search for any recorded documents that affect the deed to the property. Examples include easements, liens, tax assessments, covenants, conditions and restrictions, and homeowner association bylaws. The buyer and lender must approve the preliminary title report prior to closing.

Once the conditions of sale have been met and the preliminary title report has been approved, all parties will agree to sign closing documents. The preliminary title report becomes the final title report, based on which any applicable title insurance is based.

If everyone agrees that the papers are in order, the buyer submits payment to cover the closing.

Finally (and here’s the best part), I will hand you the keys to your new home!

I understand that your home is more than an architectural structure. Often, it’s an extension of who you are – your personality, style, and values. That’s why selling it can be an emotional experience. But it can also be exciting and rewarding. It would be my pleasure to meet with you to get to know you, your home, and your goals so that I can offer simple home-selling tips to help lead you to a successful, timely sale.

Once you’ve made up your mind to sell your home, you need to do your “homework” – and this is a great place to start! Getting a signed contract is a great accomplishment, but that's only half the journey. The typical home sale today involves more than 20 steps after the initial contract is accepted to complete the transaction.

I can provide the experience and local knowledge to guide you through the entire process of selling your home within the ideal time frame and at the most effective price point. As the representative of your best interests, I utilize state-of-the-art marketing resources to showcase your home’s best assets and to help you determine what improvements will make the biggest difference.

Much of what needs to be done before the closing is the responsibility of appraisers, loan processors, attorneys, and inspectors. My role also includes coordinating those responsibilities and helping to ensure that others do their jobs promptly and correctly.

Many steps between contract ratification and closing involve the cooperation of both buyer and seller, and attentive real estate professionals on both sides of the transaction will troubleshoot and keep everyone on track.

Much of an agent’s work is quiet, behind the scenes – and important. Promoting your home involves several outreach efforts, including scheduling, marketing, hosting open houses, following up with open house visitors, conversing with ad respondents, and posting photos and virtual tours on the internet. Being your guide and confidant is part of the process as well.

Selling can entail a variety of marketing strategies, and I will develop a plan especially for your home, which will help set it apart in your local marketplace and attract buyers. Once listed, it's likely that the home will be quickly entered into the local  Multiple Listing Service (MLS), displayed on century21.com (the MOST VISITED real estate franchise website in the world), and distributed to approximately national and local real estate websites, where 92% of buyers begin their search for a new home.

If you are considering selling, contact Adam to schedule a meeting where he will conduct a Comparative Market Analysis (CMA) of your home in addition to reviewing your goals and objectives to create an exclusive marketing strategy for you and your property.

Adam combines the very best of traditional Real Estate marketing with new state-of-the-art programs to achieve maximum exposure and in turn—maximum value. His multi-pronged approach to marketing is specifically tailored to each of his clients’ properties.
 

—  Make a Reservation  —

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Contact
206-555-7890
example@example.com

Location
123 Fake Street
Seattle, WA 00000

Hours
Mon–Wed  6–11
Thu–Sat  4–12
Sun  3–10