Craig Ziegel

Single Tree Real Estate Team
Whether you are buying or selling a property you need someone that can minimize the stress involved, explain the process, and keep you informed as the transaction progresses. The Single Tree R.E. Team works together as one, to stand above the rest.
Belleville, IL 62223

618-772-5990
314-394-5480

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Buyers

 

Buying a home can create feelings of anxiety and joy whether you’re a first-time home buyer or a move up buyer needing more space. There are the frustrations associated with relocating to a new area. While these are all exciting, exhausting and often frustrating, having the right partner can make it rewarding and enjoyable! Whether you are buying your dream home, downsizing or relocating; let us be your partner in the process. We understand from experience that buying a house is more than finding the right building; it’s finding the right schools; the right community; and a place to call home. We have the knowledge, resources and experiences to save you time and money. Here are some likely scenarios when purchasing a new home that we as your partner will guide you through;

  • You will not be told how much money to bring to closing until the day of your closing and many times only hours or minutes before the closing.

  • The dates on your contract will change, perhaps multiple times.

  • You will become anxious or nervous.

  • You will become irritated or annoyed about frequent and last minute paperwork request with seemingly impossible deadlines.

  • The buyer will negotiate 2-5 times on this transaction. They will negotiate the purchase price, the inspection, potentially the appraisal, the final walk-thru, etc.

  • You will want to tell your friends and family about your experience on social media sites – Don’t!

  • The Mortgage company will most likely pull another credit report.

This Will Most Likely Happen When Buying a Home

 

Buying a home can create feelings of anxiety and joy whether you’re a first-time home buyer or a move up buyer needing more space. There are the frustrations associated with relocating to a new area. While these are all exciting, exhausting and often frustrating, having the right partner can make it rewarding and enjoyable! Whether you are buying your dream home, downsizing or relocating; let us be your partner in the process. We understand from experience that buying a house is more than finding the right building; it’s finding the right schools; the right community; and a place to call home. We have the knowledge, resources and experiences to save you time and money. Here are some likely scenarios when purchasing a new home that we as your partner will guide you through;

  • You will not be told how much money to bring to closing until the day of your closing and many times only hours or minutes before the closing.

  • The dates on your contract will change, perhaps multiple times.

  • You will become anxious or nervous.

  • You will become irritated or annoyed about frequent and last minute paperwork request with seemingly impossible deadlines.

  • The buyer will negotiate 2-5 times on this transaction. They will negotiate the purchase price, the inspection, potentially the appraisal, the final walk-thru, etc.

  • You will want to tell your friends and family about your experience on social media sites – Don’t!

  • The Mortgage company will most likely pull another credit report.

What To Do

Things You Absolutely Should Do When Buying a House!!

  • Get a gift letter and a bank statement for funds when you need one.

  • Tell the person who is giving you the gift that you will probably need a gift letter and some proof (usually a bank statement) that they had the money to give.

  • Tell me if you are allergic to animals.

  • Be completely honest with the lender about child support, alimony, wage garnishments or any other payroll reduction.

  • Tell your lender if you lose your job before you close.

  • Tell me if you have a house to sell.

  • Realize it is possible to find what you are looking for the very first day you go out (this happens more than you think…).

  • Realize the clock starts ticking from the time the loan officer gets the contract (not the date it was written).

  • Get a home warranty.

  • Get a home inspection.

  • Be FULLY approved BEFORE you go looking (nothing hurts as much as finding the house you love and you lose it when someone else beats you to it because you were not completely ready)

  • Shop the good faith estimate.

  • Tell me what is MOST important to you.

  • Use your name on your driver’s license for mortgage docs (use Jr. and Sr. if required).

What Not To Do

Things You Absolutely Should Not Do When Buying a House!!

  • Don’t quit your job.

  • Don’t change your job.

  • Don’t get a promotion.

  • Don’t buy any large ticket items (like five dollars or more, seriously!).

  • Don’t Make David Copperfield deposits (all funds need to be traceable).

  • Don’t talk to Sellers directly (loose lips sink ships).

  • Don’t get advice from a buying committee that has not purchased in the last year (the rules change almost daily).

  • Don’t wait to see everything else that is on the market.

  • Don’t wait to find the absolute PERFECT house. You will always be limited by income, zoning, inventory at the time, and/or legislation and or property taxes.

  • Don’t trash the property in front of the owners.

  • Don’t call the other agent on “For Sale” signs.

  • Don’t attend open houses and new construction or display homes without me.

  • Don’t delay getting paperwork to the lender because you are irritated by the frequency and number of request from the Mortgage Company.

  • Don’t find a lender on the internet that offers a 0.001 interest rate and is from outside of the area.

  • Don’t go home to sleep on it (in a hot market, if you sleep on it, you might not get to sleep in it)

  • Don’t forget the 80/10/10 Rule! If you find a house that has 80% of what you are looking for, 10% of things you can change and 10% of things you can live with, it’s a keeper.

  • Don’t co-sign for anything……. even a candy bar, please just don’t do it!

  • Don’t schedule a vacation before we close (especially a cruise).

  • Don’t order Direct TV, Cable, Telephone or any utility that will pull a credit report unless you want to write a letter of explanation about the credit report to the mortgage company.

  • Don’t need a letter of explanation, at all, please!

  • Don’t change your name during the mortgage process.

  • Don’t have unreasonable expectations.

  • Don’t give away your negotiation power by speaking in the house (always assume you are being recorded).

  • Don’t post your real estate thoughts on social media sites (If you are savvy, this can easily be viewed).

  • Don’t believe what you see on HGTV and reality television (the majority of that stuff is scripted we promise).

  • Don’t go window shopping and let people pull your credit before you close.

  • Don’t look at a short-sale if you need to move immediately, short does not mean a quick close.

  • Don’t disappear before the transaction closes (this really messes things up we promise).


Single Tree Real Estate Team
RE/MAX Results

830 Admiral Weinel Blvd.
Columbia, IL 62236
618-772-5990
info@singletree-reteam.com

Testimonials

I truly enjoyed working with Mrs Herring. My husband and I had already moved and was nervous about trusting someone with this process. She quickly put my mind at ease with her honesty, knowledge base, and her genuine desire to help us get the best price possible. You can’t go wrong with Mia. She is a Gem.

Sold a Single Family home in 2018 in Fairview Heights, IL.
10/25/2018 - bellroch
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