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| Ready to Buy |
Congratulations! You have decided to purchase a home, or are thinking about buying one. You'll be joining the ranks of hundreds of families who realize that home ownership offers a number of benefits including building equity, saving for the future, and creating an environment for your family. When you own your own home, your hard-earned dollars contribute to your mortgage. The equity you earn is yours. Over time, your home will increase in value.
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In the following reports, you'll find the information you need to make a wise buying decision. We'll take you through the planning process step-by-step , to help you determine which home is right for you. You'll find a host of informative articles on mortgages, viewing homes, the offer, closing details and moving.
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| Please contact me if you have any questions about buying a home |
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 Moving |
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| Must Know Mortgage Terms |
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| How much will it cost to work with Antonio…? |
| As a buyer, you won't pay anything to have AntonioRealEstate.com work for you. In a residential real estate transaction, the seller pays the real estate commission. |
| As a full service residential real estate brokerage, AntonioRealestate.com provides full MLS access to buyers as well as local real estate agents to help you select, negotiate, and purchase the home of your dreams. |
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| Difference between a "Buyer's Agent" and a "Seller's Agent" |
| A "Buyer's Agent" is a real estate agent that is hired by the buyer to find the right home for the buyer. The main goal for a "Buyer's Agent" is to find the best home for a buyer, while negotiating the best price. A "Seller's Agent" is a real estate agent hired by the seller to market and sell their home. The main goal of a "Seller's Agent" is to sell the seller's home at the highest price possible. As a buyer, it is in your best interest to work with a "Buyer's Agent" because this will ensure that your agent is working for you and your best interests. Often times, when a "Seller's Agent" is acting on behalf of both the seller and buyer (when a buyer does not have his/her own agent), there is a conflict of interest, since a seller wants the highest possible price for the home, while the buyer wants the most reasonable price for the home. |
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| Should I rent or buy? |
| In general, the rent vs. buy question compares the cost of renting to the after-tax cost of owning a home. Some factors to consider are rent increases and home price appreciation in your area. If you have a nice, cheap, rent-controlled apartment, then it may not make sense to buy. If you are planning to stay in the same place for a longer period of time and the property values in your area are getting higher, it may be a good decision to buy. |
| To get an idea for your own situation, use Rent vs. Buy calculator. |
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| How much house can I afford? |
| In general, the amount you can afford to spend on a home is a combination of your cash on hand, your salary, and your outstanding debt. For your specific situation, please visit affordability calculator to see how much you can afford to spend on a home. This calculator is a free, anonymous service, which asks you for basic salary, savings, and debt information. |
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| What will my real estate professional do? Not do? |
| Your agent will do the following: |
- work with you through the entire home buying process, from start to finish
- search the entire MLS (Multiple Listing Service).
- show you all of the homes you are interested in visiting
- recommend houses which meet your criteria
- negotiate on your behalf with the seller of the home
- prepare the offer for the house
- prepare all of the contracts associated with the home purchase
- work with the title company, the lender, and the seller (or seller's agent) to arrange all necessary inspections
- serve as your "point" person during the closing process
- answer any questions you may have about any part of the real estate process
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| Your agent will NOT do the following:: |
- provide you with legal advice
- provide you with financial advisory advice
- pressure you to do anything that you don't feel comfortable doing
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| When is the best time to get loan approval? |
| In order to have the best possible chance when submitting a home offer, AntonioRealestate.com recommends that buyers get pre-approved for their home loan. Pre-approval simply means that the buyer has worked with a lender to determine what the maximum loan amount the buyer could qualify for with that lender, prior to selecting a house. Pre-approved buyers have several advantages, including increased negotiating power, since the seller knows that you can complete the transaction. In fact, some sellers will not even entertain offers unless the buyer is pre-approved. To get pre-approved visit Get qualified where AntonioRealestate.com has partnered with XXXXXX to provide a quick process to get pre-approved. |
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| What are the tax implications? |
| When you buy a home mortgage, interest and property taxes are generally deductible from the income taxes you itemize and pay in April. This means while monthly housing costs may be larger when you own than when you rent, what you save in taxes can make up some or all of the difference. For details, speak with a tax professional. |
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| Have I seen everything on the market? |
| Ensure that you have seen all the properties available on the market by asking your agent. Often times, real estate agents have an incentive to only show clients their own featured listings, not all of the available listings on the MLS (Multiple Listing Service). One way to ensure you are shown every available home is to search for yourself. You can do this using AntonioRealestate.com website, which allows complete access to the MLS for consumers. |
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| How will I know I am not overpaying for the property? |
| One way to ensure that you are paying a fair price for the property is to look at what other houses of similar size and characteristics have sold for in the past few months. Your real estate agent should be able to provide you with some comparable home sales in the area. |
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| When can I move in? |
| After the home closes escrow, you can move in. For more information on the escrow process, please visit the Closing Process page. |
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