Buying a new home is one of the most important decisions that a person makes during their lifetime. With so many considerations to be made, you'll be glad that you have Sandra on your side! Before We Start Looking at Homes I will... Explain the details of the Purchase Agreement and give you a copy for your review. Estimate in writing, the expenses you will incur so there will not be any surprises at the time of closing. Explain all the various financing options, fixed mortgages vs. adjustable and 15 year vs. 30 year mortgages. Discuss and explain the Broker Listing CooperativeTM. Arrange an appointment with a mortgage representative to pre-qualify and determine the amount of mortgage you can obtain. Discuss architectural style, location, schools and special features that you desire. After the Sale and Prior to closing I will... Assist in obtaining a homeowner's insurance policy. Coordinate possession details and final utility readings. When appropriate, meet the appraiser at the property and present any market data required. Help you arrange for any necessary inspections of the property in order to evaluate the major elements of the home and review the report with you. Assist you in determining the appropriate financing and help you select the best financial institutions to obtain your mortgage. Inform you of the amount your cashier's check will need to be at the time of closing. Most banks require ten days for any deposit to clear before they will issue a cashier's check. Assist you in obtaining a Power of Attorney, if needed. At the closing I will... Discuss proceeds and closing statements with you. Attend the closing and answer all questions. Coordinate possession of property. Maintain a file of closing papers. Explain pay-off. Arrange for payment of expenses from closing proceeds. Coordinate the transfer of utilities and keys.