Ben Kayes Buyer Magazine RRG 2015 Buyer Magazine - Kayes, Ben | Page 7

Do Your Homework
In the past, prospective
homeowners didn’t have access
to much information about sales
prices, market trends, homes
currently on the market, statistics
and even the home-buying
process. Now, with access to the
web, there’s information and data
available to you at anytime, from
anyplace. Be sure to do your
homework and become educated!
Make a Wish List
Use our handy worksheet found
in this magazine to review what
features in a home are important
to you. Focus on the features you
must have, would like to have and
those you really don’t want. This
will help streamline the process,
allowing you to fi nd the right home
that suits your family’s needs.
Get Pre-approved
for a Mortgage
The price you can aff ord to pay for
a home is determined by many
Be Prepared
to Make an
Off er
factors such as
household income,
creditworthiness, monthly
debt, interest rates, type of
loan, cash on hand for a down
payment and closing costs. The
amount you are qualifi ed for
may be more or less than you
anticipated – and will determine
your house purchase budget.
A letter from a reputable
mortgage broker is proof that
you meet lender’s requirements.
It strengthens your position with
the seller, especially in the case of
multiple off ers should they occur. Review a blank
purchase contract
ahead of time so
you’ll be familiar
with the decisions you’ll need to
make when it’s time to make an
off er. Be sure to use your wish list,
your notes and all the information
you’ve gathered on the property
to help with your decision. Take all
the time you need, but be ready to
take this all-important step when
you’ve found your dream home!
Be Organized Relax
Touring multiple homes can be
confusing. Instead of relying on
your memory, take pictures and
notes on all the homes you visit. I
will review these notes with you to
help you narrow down your house-
hunting search by selecting the
homes that best match your wish
list criteria.
Buying a home is a life-changing
event, but don’t allow it to become
overwhelming. Take time to
unwind, calm your thoughts and
keep the whole experience in
perspective.
Finally, you can rest assured
knowing I’m always available
to assist you!