Mail: 1139 Rutledge
Madison, WI 53703
Buying a home can be emotionally and financially stressful. Increasingly, home buyers are choosing to be represented by a Buyer's Agent to relieve the pressure of the "buyer beware" throughout the home buying process.
#1 - Looking Out For Your Best Interest
The client level services required of a Buyer's Agent, demand putting the buyer's interest above all others, including our own. I am obliged to give full loyalty and trust to our buyers. I have the responsibility to protect the home buyer throughout the buying process and negotiate on our buyer's behalf. I approach the transaction as through I were buying myself. When it's in my best interest to close and in the buyer's best interest to walk, we walk.
#2 - Everything You Tell Me Is Strictly Confidential
As a Buyer's Agent, my clients can speak freely, knowing everything is kept in confidence. That includes how much they are willing to pay, time lines they are under, circumstances they are facing, and anything that would weaken their negotiating position.
#3 - The MLS Is Only Part Of Our Inventory
When viewing properties with me, I will search the entire Multiple Listing Service (MLS). As a Buyer's Agent, I listen to my buyer's wants and needs. For Sale By Owner (FSBO), expired listings, and properties not currently on the market are all part of the inventory I explore.
#4 - Let's Get More Information
Listing sheets don't always have all of the information a buyer needs. Sometimes the listing information is incorrect. A Buyer's Agent will go to the Town Hall Registry of Deeds, and other sources to verify specific details on the home.
#5 - This Property Is Overpriced
It is my job to let the buyer know what a property is worth. I will provide buyers with a CMA (Comparative Market Analysis) of each property they show an interest in purchasing. I will help you interpret the information, using many different vairables such as the current market conditions, ratios of asking to selling price, and assessed value to sales price in the area. This information is not allowed to be given to a buyer by a traditional agent unless asked.
#6 - Let's Make Sure The Contract Is Buyer Protective
A Buyer's Agent will alert the buyer to protective language in the offer to purchase. Each situation demands it's own approach.
#7 - Let's Have A Thorough Home Inspection
Spending the money for a good home inspection is money well spent. A Buyer's Agent is much more friendly with the 'deal killers' in the home inspection field. An ASHI (American Socitey of Home Inspectors) inspector is a good choice. Any defects as defined within the offer to purchase that emerge during the inspection are definite re-negotiating issues.
#8 - What Will You Do With The Money You Save
Saving your money is only part of my job, but I love doing it. It's my legal and ethical responsibility to try to get you the best price and terms in the purchase as your Buyer's Agent. I can also assist you in shopping for a lender, inspector, attorney, and insurance. I will review the final Settlement Statement (HUD) prior to closing.
Meet with a qualified lender, this will help you determine what you can afford, this will depend on your income, credit rating, current monthly expenses, down payment and the mortgage interest rate. Get pre-qualified for the mortgage so you know how much you can work with when you are ready to look for a house. Then only spend 80% of what you've been pre-qualified for so your monthly payments are reasonable and within your budget.
Make sure you look at multiple homes and neighborhoods. Use price per square foot + amenties to help compare properties.
Get a completely objective inspection, with a licensed inspector who will walk through the house with you and answer all your questions about the home's condition, upkeep, and potential repairs.
Wish List - what features do you want?
When you're buying a home, consider the cost of homeowners insurance. Consider a higher deductible. Increasing your deductible by just a few hundred dollars can make a big difference in your premium. Ask your insurance agent about discounts. You may be able to get a lower premium if your home has safety features such as dead-bolt locks, smoke detectors, an alarm system, storm shutters or fire retardant roofing material. It may also be cheaper if your home’s electrical, heating and plumbing systems are less than 10 years old. Persons over 55 years of age or long-term customers may also be offered discounts. Choosing wisely could cut your premiums by 5 to 15 percent.
Check the CLUE (Comprehensive Loss Underwriting Exchange) report of the home you are thinking of buying. These reports contain the insurance claim history of the property and can help you judge some of the problems the house may have.
If you have questions about insurance for any of your possessions, be sure to ask your agent or company representative when you're shopping around for a policy. For example, if you run a business out of your home, be sure to discuss coverage for that business. Most homeowners policies cover business equipment in the home, but only up to $2,500 and they offer no business liability insurance. Although you want to lower your homeowners insurance cost, you also want to make certain you have all the coverage you need.
Listen carefully to your needs & desires
Provide Market information that is clear & informative
Explain the buying process thoroughly
Assist you in locating & communicating with a trusted mortgage lender
Find your New Home
Explain contracts & contingencies
Negotiate on your behalf
Accompany you throughout the entire buying process from start to finish
Utilize the form below to search properties that are currently on the market.