architecture Archives - Helena Cook - CENTURY 21 Rucker Real Estate

Why Pre-Approval Matters

idoll.design — Thu, 04 Jul 2019 08:44:20 +0000

As a realtor in Charlotte, NC, I often receive inquiries like:

“Why won’t any Realtor show me this house? ”

The Seller’s Perspective
Many savvy sellers today require that potential buyers go through the pre-approval process—or at least the pre-qualification process—before viewing their home. Simply put, sellers want to avoid having people “just looking” who are not ready or qualified to purchase. Wouldn’t you want to protect your home in the same way?

The Risks for Sellers
Consider the implications for sellers. If a seller accepts an offer from a buyer who isn’t pre-approved, the paperwork and loan processing can take 6 to 8 weeks. Too often, this leads to disappointment when the buyer ends up not qualifying. During this time, the seller incurs ongoing expenses like mortgage payments, taxes, and insurance, all while their home is off the market. If the seller needs to relocate quickly, they risk having to accept a lower offer later on.

The Impact on Buyers
Now, let’s focus on you, the buyer. Imagine two buyers make offers on the same property. One is pre-approved, and the other is not. The pre-approved buyer can close quickly once inspections and appraisals are complete, while the other buyer may face delays of 6-8 weeks, if they qualify at all. If you were the seller, which offer would you choose? The pre-approved buyer, even with a lower offer, presents a more secure option, saving the seller time and money.

If you find yourself in a situation where you lose out on a home you love because another buyer was pre-approved, it can be disheartening. This happens frequently, and it serves as a reminder of the importance of being prepared.

Steps to Take
If you’re serious about buying a home and want to make the process smoother, I recommend the following:

Contact a Lender: Start the pre-approval process with a lender of your choice. This gives you a clear understanding of what you can afford.
Choose a Trusted Realtor: Find a realtor who understands your needs and stick with them. “Realtor hopping” can hinder your chances of receiving the best service.

Remember, as your licensed realtor, I can help you navigate any listed property—whether it’s new or pre-owned—throughout Charlotte and beyond.

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Summer View

idoll.design — Thu, 27 Jun 2019 12:20:39 +0000

“Though it may not be a brand you are familiar with, for years, Nature Squared has been creating unimaginably opulent hand-inlaid surfaces on land and sea. ”

Designer: Martina Skuce

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Metropolis Podcast

idoll.design — Tue, 25 Jun 2019 12:29:59 +0000

“Though it may not be a brand you are familiar with, for years, Nature Squared has been creating unimaginably opulent hand-inlaid surfaces on land and sea. ”

Designer: Martina Skuce

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Quick Break

idoll.design — Sun, 23 Jun 2019 13:54:58 +0000

“Though it may not be a brand you are familiar with, for years, Nature Squared has been quietly creating unimaginably opulent hand-inlaid surfaces on land and sea. ”

Designer: Martina Skuce

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the compensation conversation

idoll.design — Mon, 10 Jun 2019 11:41:21 +0000

In the world of real estate, compensation often lingers quietly beneath the surface, rarely discussed openly but profoundly impactful. As a buyer’s agent, I find that addressing this conversation head-on is essential for fostering transparency and trust with my clients. Many buyers enter the market with many questions, yet the discussion about how agents are compensated is often relegated to a footnote in the home-buying process. This silence can lead to misunderstandings about the role of buyer’s agents and the value they bring. My goal is to illuminate this conversation, helping buyers understand why a professional agent should be compensated fairly for their work.

“The discussion about how agents are compensated is often relegated to a footnote in the home-buying process.”

In most transactions, the seller pays the commission, which is typically split between the seller’s agent and the buyer’s agent. While this arrangement can create the impression that buyers bear no cost, it’s crucial to recognize that this structure indirectly affects every buyer. When you understand this, you can appreciate the expertise and effort that go into representing your interests. Navigating the complexities of the real estate market requires a level of expertise that goes beyond simply showing homes. I invest time in understanding current market trends, pricing strategies, and neighborhood dynamics. This knowledge allows me to provide insights that can help you make informed decisions. A skilled agent negotiates on your behalf, aiming to secure the best possible price and terms. The difference between a skilled negotiator and a novice can translate into thousands of dollars in savings for you. Additionally, my role encompasses a wide range of responsibilities, from coordinating inspections to managing paperwork, ensuring a smooth transaction and saving you time and reducing stress.

Every client is unique, and I strive to tailor my approach to meet your specific needs. This personalized service is a significant aspect of what I offer. I take the time to listen to your preferences and aspirations, ensuring that your home search aligns with your lifestyle. The home-buying journey can be emotional and daunting, and I provide support and reassurance throughout the process, helping you feel confident in your choices. While it’s true that my compensation comes from the seller, recognizing the value I bring to the table is essential. When you invest in a knowledgeable buyer’s agent, you’re investing in long-term financial benefits. My negotiation skills and market insights can lead to a better purchase price, resulting in significant savings over the years. Furthermore, I connect you with trusted professionals—inspectors, mortgage brokers, and contractors—who can facilitate a smoother buying experience.

The compensation conversation is more than just a discussion about fees; it’s about understanding the value of professional representation in real estate. By addressing this topic openly, I aim to empower you as a buyer, ensuring you feel informed and confident throughout your journey. Your investment in my services is not just a cost; it’s an investment in your peace of mind and a sound financial future. Let’s embrace this conversation together, exploring how I can support you in achieving your real estate goals with clarity and confidence.

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Quick Break

idoll.design — Thu, 06 Jun 2019 09:14:32 +0000

“Though it may not be a brand you are familiar with, for years, Nature Squared has been quietly creating unimaginably opulent hand-inlaid surfaces on land and sea. ”

Designer: Martina Skuce

The post Quick Break appeared first on Helena Cook - CENTURY 21 Rucker Real Estate.