Stories like this one , there are tons. I'll be away from my role as wicked stepmother to a bracket on the purchase of a property.
If this text allows, even if only one person to avoid ending up in schnoutte , it's worth writing it ;-).
When you decide to buy a house, thanks be aware that this is the biggest investment of your life. That said, it is important to surround yourself with competent people .
Some people perceive
estate agents and sellers of used tanks . Be aware that since 1996, the Law on Real Estate Brokerage governed more and more severely the job of broker and / or real estate agent. The estate agent is there to protect you and confidence "error and omission" is a guarantee against bin .... the possible errors and omissions!
Choose your agent . Do not be afraid to flushed an agent who does not trust you and / or with whom you feel uncomfortable.
careful to an agent who seems too eager to make you an offer that does not answer your questions, which seems to spare gasoline and is not open to show you more of a property. Take your
agent, do not spend a listing agent to another, thinking to save on the commission. You do not save anything, because anyway, the commission is already calculating the registration fee. By -cons having your own agent, it can go and negotiate for you with the listing agent and seller. That's when you get a chance to save a few thousand dollars.
Ask your agent refer an inspector, a mortgage broker and a notary. Expect to that you offer at least 3 !
Why?
Before you can make your own choices by comparing the various services of each and their rate. The code of ethics agents requires that any agent influences the choice of its buyers . The agent can guide them, but in any case the decision must be enforced.
If an agent is dealing with only one inspector per- example, it is possible ( j'dis that's not necessarily the case) that the agent is to connivance with the inspector and the latter is not all anomalies to get the sale.
A professional realtor, does not care that the sale happens or not, he has at heart the welfare its customers and understands the emotional investment of money and future owners.
In addition, an experienced agent knows, the first visit noted signs of potential problems.
(When I speak from experience, I do not mean just the number of transactions that the agent has done, rather ask if he attends inspections with customers. Unfortunately, many do do not, they are a bit ignorant on the subject. I've always made a point, even if it's long, flat painful sometimes, to make such inspections with my buyers. First, I learned a lot of stuff and the other, I was informed to assist my clients in their choices and / or more equipped to request a price reduction if the condition of the property suggested in a ;-)
A pen on the bottom of the walls would probably turn is an agent on the condition of the home of Karla . From Gyps sinking with a slight pressure, it is definitely not a good sign. Same thing for windows, it is easy to see if the house has a moisture abnormal looking around windows. An experienced agent will look carefully in the basement, around the foundation, brick, roof ect ...
is normal that the officer "is missing some" is the job of an inspector to make a more careful analysis. By -cons at 500-600 $ for an inspection, if you can avoid it and move on to another property (if there is a potential major problem), which is something to win!
Before paying $ 500-600 for a inspection, ask your agent get a copy of the certificate of location. Sometimes there may be problems at this level, which you would override this property. Again, it's better to know before spending hundreds of dollars.
So at the beginning of your process, get a pre-approval mortgage. On the one hand to know what budget shop and the other to have time, get the best rate.
Keep one thing in mind by-cons at the pre-approval no credit investigation is performed. The pre-approval aims to evaluate your percentage of debt and your ability to pay. If your credit is poor or if you have already gone bankrupt it is important to notify the broker ..... and especially your partner. Unfortunately I have seen couples split because of some financial skeletons in the closet!
.... So here was my advice p'tits Sunday!
If you have any questions, feel free to ask!
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