For Buyers
Whether we are walking land and looking for the perfect building site or inspecting nooks and crannies in an existing home or crunching numbers for an investment property, buying property is an adventure and will be fun. My job is to empower you with up to date information on the local markets, financing options, Adirondack Park Agency regulations, and local zoning and code restrictions. so you can make an informed choice. If I don't know or have the information you need or request I will get it.
As your agent I will help you locate the property with price and terms agreeable to you; negotiate a reasonable competitive purchase price for the local market; assist with financing options; provide community and school information; educate and support you through every step of the transaction process striving for a seamless transaction.
Over the years I have cultivated relationships with mortgage brokers, other real estate brokers and agents, surveyors, Adirondack Park Agency staff, attorneys, engineers, and the local code enforcers. These relationships ensure a smooth process through to closing. I am an advocate of responsible development and have experience in obtaining APA permits.
It is important to understand, that as your buyer's agent I can show you any property listed by any broker as well as well as seek properties for you that are not currently on the market.
Buyer Agent: represents you exclusively throughout the entire transaction process from establishing priority search criteria, locating affordable and desirable property, previewing, presenting offers, negotiating a purchase price, assistance with financing, drafting contract for attorney approval, assisting with contract contingencies such as inspections and appraisals to bring transaction to fruition. An agent will go beyond the MLS search to include contact with property owners in the community and FSBOs (for sale by owners) An agent is a partner who will provide confidential, professional services to assist you in purchasing your dream property with the least amount of expenditure.
Financing: I require getting pre-approved by your selected lender before starting your search. This is different from a pre-qualification. Pre-approval means you have applied for a mortgage, an analysis of your credit report is completed, the lender has reviewed your income and the lender has approved you for a loan up to a certain amount. This tells the seller you are serious and in a hot market puts you at an advantage over competing bidders. After a contract is in place, the final step to a mortgage is a commitment letter from the bank. The bank generates this letter after they have approved the property based on appraisal, inspection and title search). The closing follows shortly after the buyer receives the commitment letter from the lender.