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The Ultimate Home Buyer's Guide

Ultimate Home Buyers Guide.png

By Trisha Cook 

This document is copyright protected. Reproduction, in part or in whole, is strictly prohibited.


First Things First…
I’m really looking forward to helping you find that perfect home! As I’m sure you’re hoping and expecting, home shopping is exciting and a lot of fun! But it can also be stressful and aggravating at times. Which is why I’m giving you this… If you’re like most buyers, you probably want to just get out there and see homes, right!? (And, of course we will!)

But please give this a quick read and refer back to it throughout the process of buying your home. While this guide won’t get into every little detail about the process (I’ll be taking care of a lot of things behind the scenes which you’ll never need to worry about)...it does get into some things you should know about, which will save you time, effort, money, and heartache. Again, I’m looking forward to working with you, and thanks for choosing to work with me!

You Don’t Have To Pay Me A Dime …

Have you ever wondered if you need to pay your real estate agent when you buy a home?

If so, you’re not alone. Lots of people aren’t sure
how it all works. Here’s the short answer: When you buy a house with me as your agent, you don’t have to pay me a dime. At least not in the sense of you writing out a check to me or my company. However, I will get paid.It’s kind of confusing, right? If you’re not paying me…then who is? It comes from the seller.

So the question becomes: Why would I work with you, for you, and with your best  interests in mind, if you aren’t paying me?

Because that’s my responsibility...my fiduciary duty. Simple as that! It wasn’t always that way, though. It used to be that all agents were essentially working for the seller, trying to get the highest price they could for the house. That’s changed...actually quite a while back. But the way agents get paid has not. The seller still pays the commissions, even though the buyer’s agent is representing the buyer’s interest, not theirs. See, the compensation I earn comes from the equity in the seller’s house. In order to sell a house, the owner needs to have equity. In other words, they have enough money to sell the house for a certain price, pay off any existing loans and other costs (like real estate commissions), and still walk away with money in their pocket. (Yes, they can sell even without equity, but we’re not getting into that here. Those are short sales. And, yes, even then the buyer’s agent gets paid by the seller, even though there’s no equity.)

Bottom line: You don’t have to pay me a dime to represent you.

Our Agreement…
Before I can begin showing you homes, and representing your interests, you’ll need to sign a “buyer’s agency agreement”. We’ll schedule a time to sit down and do the paperwork. When we do, I’ll make sure to review it with you before you sign.

If you have any questions or concerns at all, just ask me. I’m glad to clarify anything you want. And, don’t worry if for whatever reason things just aren’t working out between us or you decide not to buy a home...we can cancel this agreement at any time.

Get Pre-Approved For A Mortgage…
If you haven’t already done so, you need to get pre-approved for a mortgage. This topic is a good example of why it’s important for us to be working as “partners” on the same page…

Many buyers feel like agents are being pushy when they suggest getting pre-approved. They take offense. They resist. They make excuses. They look at it as the agent being nosy, looking to see how much the buyer can afford, or looking to make sure the buyer can afford a home.

Well, it’s exactly that! And there’s nothing wrong about an agent asking them to do it either...

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