The Wisdom of Change: Real Estate first-time buyers

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June 01, 2005

Real Estate first-time buyers

One thing a lot of first-time buyers will underestimate is the amount of time and effort that has to be put into a deal before it closes.

It isn't only the lawyers, mortgage broker, bank rep, and agent who have to put all this time in, it's the buyer. Every inch of the contract and point of sale must be gone over. If anything is out of place, it all goes back to the lawyers to be redone. Every "i" must be dotted and every "t" must be crossed.

On top of that, if you are working without an agent representing you, then the bank rep and mortgage broker have to be kept on top of. Appraisal, financing papers, walkthroughs...It's a difficult process, made more so if you are buying directly from an owner without an agent or firm representing them.

We are here to make everyone's lives easier. Most people don't realize that, and think brokers are just out to rip people off, to take advantage of a situation that cannot be changed.

Ok, some are. The majority of us are labled based on those few. Especially in NYC, where there are many brokers and many agents, and most of them have no idea what they are doing.

Do your research. How well does your broker know her market? Does she specialize? Is her specialty what you are looking for? Does her company have a good reputation? What is their focus - providing a huge database of listings or better service? Is she professional?

That last question can be a hard one to answer. If your broker is listening to you, asking the questions that get to the underlying reasons for your move, then she's a professional. If she is taking you around, showing you places that don't come close to what you need, rethink your association with her.

And most importantly, make certain she is always in contact. Email, phone, pager, it doesn't matter. You have to be able to ask her questions as soon as they come up. If an apartment or a house comes on the market and it fits your requirements, she should be calling you that day. If the apartment you want suddenly shows up on her website, call her and ask about it. Do not let anything slip past you.

If she is doing your job, you should be almost annoyed with the number of times she calls you throughout the day.

Next article: First-time Sellers.

After that I'll get into the differences between a co-op, condo, and house.

If you have questions, leave them in the comments and I'll put together an article. If enough are asked, I'll create an FAQ.

Posted by Kat at June 1, 2005 06:03 PM

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