Let Pauline help you buy a house!
Whether you are a first time homebuyer or you are a seasoned homebuyer you need a buyer agent. Since the 1990s, buyer agency has been available for buyers facilitate representation of their interests in real estate transactions. Prior to that all agents represented the seller. The caveat was Buyer Beware. Now there are seller disclosures.
There is no cost to the buyer for the service. The listing agent shares the selling commission with selling agent (buyer agent).
Buyer agents who are Realtors are bound by a code of ethics. However, Realtors have a primary obligation to their clients. They must protect and promote the interests of their clients. Listing agents promote the sellers interests; Buyer agents promote the interests of Buyers
Initial consultation with buyer clients provides Realtor Pauline with the information needed to help her clients find the home they dream about.
In addition, she provides honesty and clarity in her communications with her clients. She helps her clients make educated choices and she negotiates for prices and terms that are in the interests of her buyer clients.
Her duties include showing clients properties that meet their criteria, helping them understand paperwork; writing offers for them, helping them prioritize their needs, and providing research and interpretation of facts relevant to the process.
With a financial background, Pauline is well equipped to provide comparative analyses. Price determination using available data is an art. One must look at variables that affect the price and consider current market trends as well as changes in neighborhoods and in subdivisions. The MLS is one source of data but there are other factors to consider as well.
Pauline has been in real estate since 2004 and her financial background gives her the edge in analyzing the condition, location and price of properties and advising her clients what is a reasonable offer.
When you decide to work with Pauline as your buyer agent she knows she is responsible for helping you find the house, make an offer, negotiate for terms and price that meet your needs and she must help you every step of the way to the closing table.
Your dream becomes her priority. Call her at 615 482 2257
FAQ for Buyers
Yes. There are programs. In Tennessee, THDA has programs that help buyers with down payment, closings costs. Some programs come in forms of grants and some are loans. You must qualify as a first item home buyer.
A first time home buyer is someone who has not owned real estate within the 3 years prior to application for assistance. For more information visit THDA.org
That is, typically, a question for your lender. They can make estimates of your closing costs and down payment.
Other costs include termite inspections which run from $25 to $100 depending on the company you use.
Home inspections are about $500 – more of less depending on the size of the house and the inspector you choose
A home warranty may be appropriate but they could be funded by the seller if you ask for it in the contract. If you fund a home warrant it cost about 300 – 500 or more depending on the options you choose
Get preapproved by a reputable lender. Try your bank , ask friends or ask your real estate agent. You can ask friends who have used a lender before what was their experiences with lenders.
You Realtor may be able to to help. Having worked with several mortgage brokers. Your Realtor knows these brokers but they dont share your personal information so the feedback you give about the lender helps the Realtor know how things are going with the lender. Keep your Realtor in the loop.
Your lender should be willing to give you preapproval, answer questions, and make suggestions that will help you make a better candidate for a loan, provide you with an estimate of your costs and the amount of cash you need to buy a house. If the lender seems too busy for you and your concerns.. run. Find another lender.