BRICK AND GARDEN BUYER REPRESENTATION

AN OVERVIEW OF THE HOME BUYING PROCESS IN NORTH CAROLINA

absolute best price for you.  We will thoroughly explain all the paperwork involved in your transaction and fiercely protect your interest during negotiations and through closing.

       
Clients can expect a candid, professional relationship with us from the outset.  And, we will provide you with ongoing advice and representation throughout the transaction.  At the end of the day, our job is to make this process as easy as possible for you.  Our goal is to make you so satisfied during this process and with your new home that you will send all your friends, family, and colleagues to us when they need real estate services.
  

RELOCATION

Moving to the Triangle?  Our Relocation Services are available to you at no fee or obligation.  Request a customized Relocation Package.  Or, start with the Online Newcomer's Guide.

REVIEW WORKING WITH REAL ESTATE AGENTS BROCHURE

The North Carolina Real Estate Commission requires that all agents share the brochure, Working with Real Estate Agents, with all potential clients.  It does a good job of explaining how agency works in North Carolina.  It also explains the role of the Buyer's Agent and how we represent you and your interests in a real estate transaction.

GET PRE-QUALIFIED

Before you begin looking for property, you will want to know how much you are able and willing to borrow.  Many sellers require a prequalification letter with your offer to purchase and your position as a buyer will be strengthened.  You will have a basis to compare different loans.  Finding the best loan could result in tremendous savings.  You must keep in mind, however, that you are not at this point qualified for the loan.  Make sure that you have been absolutely thorough in providing information to your lender to avoid problems obtaining the loan later.  See our Financing Information Page for more information.
 

FIND A PROPERTY
We work personally with each and every one of our clients to help them find the perfect property to meet their particular needs.
        
We will carefully evaluate each property you consider for purchase.  RDU flight paths, future road and highway construction, planned mass transit projects, neighborhood appreciation rates, assigned schools, HOA rules and regulations, are some of the items we will investigate.  We will determine the proper market value range for each home, or you may have the home appraised, before you make your offer to purchase.  For access to all Triangle Area listings, start with our online, no-registration Search Engine.  You may also be interested in our automated Listings Delivery Service, customized with your individual parameters and emailed to you nightly.

Want more?  Visit our list of online searchable property websites and databases:

BrickandGarden.com/searchlist
     

THE OFFER TO PURCHASE
We will work with you to structure an offer with your best interest in mind - affording maximum protection to you as the buyer.  Generally you will submit an earnest money check (or binder) with your offer.  See the North Carolina Real Estate Commission's Questions & Answers on Earnest Money Deposits.  The seller may (1) accept your offer, (2) reject your offer, or (3) make a counter-offer.  When the offer or counter-offer is accepted in writing, you have a binding contract for sale.  Your earnest money is typically deposited in the listing broker's trust account, held until closing, and applied to the agreed sales price.

HOME INSPECTIONS
Once you have a contract for sale, have the property inspected by a professional.  The seller may need to make repairs, you may re-negotiate your purchase price, or you may want to walk away from the deal entirely based on the inspection report.  Also, most lenders will require that we have the home inspected for wood destroying insects.  For a more detailed discussion of home inspections, visit our Home Inspection Information Page and the American Society of Home Inspectors' website at: www.ashi.org.  Also see the North Carolina Real Estate Commission's brochure, Questions & Answers on Home Inspections.
 

OBTAIN LOAN APPROVAL
This will be handled by you and your lender.  It is inappropriate for us to become involved with the details of your personal finances.  Your lender will provide you with a Good Faith Estimate Disclosure document containing an estimate of closing service charges you will pay.
 

SCHEDULE CLOSING WITH ATTORNEY
We will schedule the closing with your attorney.  We will communicate with your attorney and your lender during the time proceeding your closing to ensure that the process moves forward in a timely manner and that all requirements are fulfilled.
 

UTILITIES
Arrange to have utilities transferred to you effective the date of the closing.  See our Buyers Convenience List for contact information.

MOVING ARRANGEMENTS
If you need help finding a moving company, we will help you. 
 

PRE-CLOSING WALK-THROUGH
If we request the seller make repairs, you will have an opportunity to inspect those repairs.  You may also hire a professional inspector to re-inspect the home if you desire.  During the walk-through, you confirm that no changes or damages have occurred to the home since you made your offer.
 

CLOSING

Defined as the consummation or completion of a transaction involving the sale or exchange of real estate.  In North Carolina, the closing is typically accomplished at a closing meeting attended by the various parties (or their agents).  Your lender will prepare you to bring the appropriate closing costs with you, usually in the form of a certified check.  After closing, the attorney will record your deed at the county Register of Deeds office.  See the North Carolina Real Estate Commission's Questions & Answers on Real Estate Closings.

Brick & Garden Real Estate - Post Office Box 3882, Cary, NC  27519

Phone: 919.342.5911  Fax: 919.882.1055

Email: Info@BrickandGarden.com