Buying a home is an exciting and complex adventure. It can also be a very time-consuming and costly one if you're not familiar with all aspects of the process, and don't have all the best information and resources at hand.
One of our specialties is representing the best interests of Cincinnati area buyers throughout the home buying process. Our comprehensive, high-quality services can save you time and money, as well as make the experience more enjoyable and less stressful.
Buying a home may very well be the biggest investment you will ever make. Buyer representation is typically at no cost to you, so why not demand the best agent to guide you through this complex transaction? Whether you're buying a starter home, your dream home or an investment property, take advantage of our experience as a top Cincinnati real estate team & local market expert to make the most informed purchase decision you can. Let's get started today!
Daily E-mail Updates
Negotiating an offer
Home Inspection Recommendations
That is, your financial reserves plus your borrowing capacity. If you give us some basic information about your available savings, income and current debt, we can refer you to lenders best qualified to help you.
Sometimes the property you are seeking is available but not actively advertised in the market. Rest assured we’ll investigate to find all available properties on your behalf.
We have access to a variety of informational resources and can provide local community information on utilities, zoning, schools, etc. There are two things you'll want to know: First, will the property provide the environment I want for a home or investment? Second, will the property have resale value when I am ready to sell? We’ll help you figure that out.
There are many negotiating factors, including but not limited to price, financing, terms, date of possession and often the inclusion or exclusion of repairs and furnishings or appliances. The purchase agreement should allow time for you to complete appropriate inspections and investigations of the property before you are bound to complete the purchase. We will advise you as to which investigations and inspections are recommended or required.
Depending on the area and property, this could include inspections for termites, dry rot, asbestos, faulty structure, roof condition, septic tank and well tests, just to name a few. We will help you find qualified, responsible professionals to do most of these investigations and provide you with written reports.
You will want to see a preliminary report on the property title. Title indicates ownership of property and can be mired in confusing status of past owners or rights of access. The title to most properties will have some limitations; for example, easements (access rights) for utilities.
Here's a great place to start. Ask yourself:
How much can I afford?
How can I find the best loan?
Where will I come up with a down payment, and how much will I need?
Should I buy a new or resale home, and which will go up in value?
Should I work with an agent or look at homes on my own?
There is nothing that is so complex that it can't be easily explained. Just because you don't apply for a thirty year mortgage once a week doesn't mean you have to take the first one that comes along. You'll need to learn some new terms, apply some new concepts and take the time to understand what you're getting into.
If, at any point, something happens that doesn't make sense to you, simply demand a full and complete explanation. If it still doesn't make sense, seek help from someone you trust like your CPA or your loan officer.
The purchase process can be a roller coaster and more than frustrating at times.
But the truth is that you are the one person in the transaction that makes it all happen.
So flex your consumer muscle and take command of this process. Surround yourself with a team of professionals that you have confidence in and make them work for you.
We're here to help you approach home buying with intelligence and confidence.