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Don't be overwhelmed by the real estate advice provided below. This is simply a general overview of the home buying process and is provided for your convenience. Remember, I am here to personally assist you every step of the way to handle the little details that will make the process exciting and worry-free.

How Much Can I Afford?
Don'ts for the Home Buyer
Tips for First Time Home Buyers
Common Closing Costs
Do I Really Need to Use a Real Estate Agent?
Services I Can Provide
Steps to Selecting the Right Property

 How Much Can I Afford?


 Don'ts for the Home Buyer
  • Don't wait for the perfect house. Compromising & prioritizing are essential elements of the buying process.
  • Don't buy before comparison shopping - especially if you-re new to the area.
  • Don't write an unrealistic offer or you will simply be helping someone else's offer look good (too low of a price many contingencies).
  • Don't feel a need to negotiate if a property is new to the market, priced right and popular. the good ones often go quickly and at full or close to full price.
  • Don't think all real estate agents and companies are created equal. Find a Realtor (like me) who is passionate about what they do and works to ensure your best interest in the deal - not theirs.
  • Don't be afraid to write an offer above or below the asking price. Offer what it is worth to you. Remember...everything is negotiable.
  • Don't work with more than one agent. Find one you like and stick with them (like me).
  • Don't wait for the perfect time to buy. The best time to buy is when you have found the right home - and you'll know when the time comes.
  • Don't get too many people involved in your buying decision. Many transactions are lost while you're busy soliciting other people for their opinions. Act quickly to get the property you desire.
  • Don't wait until you find a home to start looking into mortgage loans. Being prepared with a mortgage will give you the upper hand to submit a solid offer by letting sellers know you are very serious.


 Tips for First Time Home Buyers:
  • Be pre-qualified by a lender.
  • Obtain a mortgage pre-approval.
  • Have the necessary funds available to write an initial earnest money check.
  • If you are receiving a "gift letter" for a portion of your down payment, be sure to have the money transferred into your savings account.
  • Have the remaining money for your down payment easily accessible.
  • Pay balances on revolving credit cards.
  • Never make a big purchase (such as a car or new furniture) prior to getting loan approval and closing on your new home.
  • Have a credit report run by a mortgage lender or credit agency so that you can clear up any potential problems.
  • Find an attorney to review an offer to purchase agreement.

 Common Closing Costs:
  • Down payment.
  • Loan Origination fee and points.
  • Appraisal fee.
  • Credit report.
  • Flood letter.
  • Private Mortgage Insurance (PMI) premium.
  • Home Owners Insurance premium.
  • Mortgage Insurance escrow.
  • Property taxes escrow.
  • Closing fees.
  • Recording fees.
  • Mortgage Title policy.
  • Mortgage interest adjustment.
  • Survey.
  • Owner's Title policy.
  • Termite inspection and building inspection fee.
  • Tax servicing fee.
  • Lender inspection fee.
  • Federal Express / Courier fees (if needed).


 Do I Really Need to Use a Real Estate Agent or REALTOR®
  • Do you have time to research the residential housing market?
  • Do you have the knowledge to integrate and understand the information available to you?
  • Can you integrate the information available on the real estate Internet sites into useful data that can help you accomplish your goal?
  • Do you have the expertise to negotiate on your own behalf?
  • Do you have the ability to find a qualified home inspector?
  • Do you have the time to research the home loan programs available in the market?
  • Do you have the time to interview mortgage loan officers?
  • Do you have the time and expertise to target market, if necessary, for the type of property you are looking for?
  • Do you know the zoning regulations and building codes pertaining to residential real estate in the area you are interested in?

 Services I Can Provide:
  • Work with you to find properties that meet your specific
    requirements such as location, price and amenities.
  • Arrange for appointments and show you the properties you select.
  • Provide you with information regarding the price and value of properties.
  • Provide knowledge of the current real estate market and how it relates to your purchase.
  • Prepare an offer to purchase.
  • Arrange for appointments and show you the properties you select.
  • Provide you with information regarding the price and value of properties.
  • Assist in the negotiation of your selected property.
  • Refer you to professional service providers, such as: home inspectors, legal services, mortgage services, title services, etc.
  • ...and many other things that no other realtor is willing to do.

 Steps to Selecting the Right Property
  • Approach the home buying process objectively - there is no perfect home; the good ones sell quickly; Don't second guess yourself.
  • After viewing each property, ask yourself: what did you like about it?; what, if anything would you want/need to change? Could you see yourself owning the property if the price was right?
  • Use your judgment, the Market Analysis prepared by your agent and the option of an Appraisal to your advantage.



Find Your Dream Home Today! - REMAX - Anthony Rael - 303-520-3179

If you're thinking of buying, selling or relocating to the Denver area,
call Denver Realtor Anthony Rael at (303) 520-3179

Professional & Trustworthy Real Estate Advice in the Denver Metro Area - Anthony Rael, Denver REALTOR - REMAX Alliance -

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