BUYERS/SELLERS INFO
Buying a home is an exciting time in one's life. Making the smart move of choosing a 
REALTOR® is your first step to ensuring that your new home and community meets your needs. My services and experience range from financial aid to helping you find the home that best suits you and your family. For your convenience, I also provide listings by email. I pride myself on repeat business and hope you'll come to understand why. (SEE FORM BELOW)
What is a "Buyer's Agent"?
Until recently, most Realtors worked for home seller. Even the REALTOR who brought the buyer to the home was considered to be a sub-agent for the Listing Broker and therefore working for the seller.
Today buyers have a choice, and can elect to have their REALTOR work with them as a Buyer's Agent. In this capacity, the REALTOR is obligated to represent the client's best interest in all aspects of the transaction.
What this Means for Buyers
Your REALTOR will discuss representation with you at the start of your house hunting. At that time you can request buyer representation and discuss the specific services that the agent will provide. Remember, in most cases, real estate commissions are paid by the seller, even to the Buyer's Agent. For that service, your REALTOR asks only that you be loyal, recognizing the time and effort your agent will go through to find you a home.
Include your REALTOR in all your home-hunting activities, including visiting open houses. And don't forget, your REALTOR can and should represent you if you buy a new home, so always take your agent with you on your first visit to any subdivision model homes. In general, if you register at a subdivision without your REALTOR, they will not be able to represent you in the subsequent purchase.
In return for this loyalty, you will have a REALTOR who works hard to find you the perfect house, who negotiates aggressively for the best price and terms, and who expertly guides you through the mortgage approval and closing process.
What this Means for Sellers
IT is likely that when an offer is presented on your house, the potential buyer will be represented by an experienced Buyer's Agent, prepared to negotiate the best deal for their client. To be prepared for that situation, you need to be sure that you have first rate representation of your own.
If you are a first time home buyer, it would be highly advisable to work only with a Full Time Realtor. While a part time Realtor may be a good friend or seem really nice, they generally lack the experience and education that a full time Realtor has. This is probably the largest single purchase you will make. Do you want to trust that to someone who just dabbles in the industry. If you were looking for a surgeon to operate on you, you would probably not be looking for someone that just practiced medicine "part time".
I deal with VA REPOS, repossed homes and have access to the Multiple Listing Services (MLS) that provides the information on any properties on the market in the Greater Fort Hood area, whether it be Killeen, Copperas Cove, Kempner, Harker Heights, Salado, or Nolanville.
I specialize in "First Time Home Buyers." I will walk you through the process, step by step.
Are you a "Civil Servant" (fire fighter, police officer, ect.) or a teacher? There are government bonds for you available. I can make sure you get with a lender that will help you.
How I Can Help
Before you start looking
Closing Costs
- Assure that you see all the properties in the area that meet your criteria.
- Guide you through the entire home buying process, from finding homes to look at, to getting the best financing.
- Make sure you don't pay too much for your new home and help you avoid costly mistakes.
- Answer all of your questions about the local market area, including schools, neighborhoods, the local economy, and more.
Before You Start Looking For Your New Home:
- Check your credit rating. Straighten out any errors before its too late.
- Determine a comfortable monthly budget for your new purchase, including down payment and monthly payment.
- Find a loan program that meets your needs and get pre-qualified (preferably pre-approved).
- Choose a REALTOR® that you trust and who understands your needs.
- Determine what neighborhood best matches your needs.
- Identify important features you need your new home to have.
- Lender fees include charges for loan processing, underwriting, preparation and establishing an escrow account.
- Third-party fees include charges for insurance, title search, and other inspections such as termites.
- Government fees include deed recording and state & local mortgage taxes.
- Escrow and interest fees include homeowner's insurance, loan interest, real estate taxes, and occasionally private mortgage insurance.
Find out how much your closing costs could be.
