As an experienced buyer's agent here are the benefits I can provide for you.
*WHAT A DIFFERENCE A BUYERS AGENT CAN MAKE! A buyer's agent works for the buyer, protecting the buyer's best interests...and all at no extra charge!
...A buyer's agent will attempt to negotiate a lower price & terms to benefit the buyer. A seller's agent is obligated to obtain the best price for the seller. The negotiating capabilities of the buyer's agent could save the buyer thousands of dollars.
...A buyer's agent will represent you with any home on the market, whether listed by another broker, for sale by owner, in foreclosure, or in government resale process.
...A buyer's agent will keep your best interests & needs foremost during the purchase.
...A buyer's agent will maintain confidentiality of the buyer's price intentions & personal motives.
...Only a buyer's agent will independently provide an unbiased analysis of property strengths & weaknesses, as well as information that the sellers would actually like to keep quiet. This might include a seller's imminent job transfer, divorce, days on the market, or other offers - anything that the seller, seller's agent or records share that gives the buyer leverage.
...A buyer's agent will advise & counsel a buyer with unrestricted assistance.
...A buyer's agent is motivated to spot potential problems with a house under consideration, because the agent is hired to represent the best interests of the buyer.
...A buyer's agent can answer questions that would be awkward for the seller's agent because of the legal allegiance to their seller. This is not to insinuate that a traditional seller's agent would withhold important information. However, a buyer's agent has a legal obligation & commitment to dig deeper into any situation which might jeopardize the best interests of the buyer. And if you're the buyer - this is a major advantage!
...Only an exclusive buyer's agent can work without any conflicts of interest!!
...A buyer's agent can make a crucial difference if an inspection reveals a problem. If the buyer still wishes to purchase the home, the buyer's agent negotiates a fair & equitable agreement.
...A buyer's agent can offer professional projections as to the future salability & value of the home - something a traditional agent would be hesitant to do, should the home not offer as promising a future as other properties.
...Both a buyer's agent & a traditional seller's
agent can answer questions & handle many of the other aspects of the transaction but, a traditional agent working with a buyer is required by law to protect the seller's interests.
...SO BUYERS EXERCISE YOUR RIGHTS, YOU HAVE A CHOICE!
If you would like me to represent you in your property purchase, please give me as much information as you can below. If you give me your phone number, this gives me permission to call you. I never share your information with anyone. If you would rather, just e-mail me directly and I will call you right away to get started on helping you own property here. Hope to hear from you soon!
Phil and Sherry
Real Estate Tips
Foreclosures >4. Foreclosure Alternatives
There are several alternatives for a homeowner to consider when foreclosure is looming. Before proceeding, a homeowner must first choose whether or not he or she wants to keep his or her home.
If a homeowner wants to keep their home:
- Repayment plan: The homeowner establishes a payment schedule with the lender to pay the delinquent amount.
- Special forbearance plan: The homeowner requests a temporary reduction or payment suspension that will be increased after a set specific period of to repay the delinquent amount.
- Modifying the mortgage: The homeowner can refinance the debt and/or extend the term of the loan.
- HUD partial claim: If the homeowner has a loan insured by the Federal Housing Administration the lender can get a one time payment from the FHA-Insurance Fund to get the mortgage payments up to date.
- Refinance: The homeowner can negotiate a new loan with a different interest rate in order to make smaller payments.
- All options listed are subject to approval of the lender.
If a homeowner does not want to keep their home:
- Sell the house: Depending on the situation, the homeowner may be able to sell the house for more than is owed to the lender.
- Assumption: The homeowner turns over possession of the house to another person who then assumes the responsibility of the payments.
- Short sale: The lender and the homeowner come to an agreement to sell the home at a loss in order to get the homeowner out.
- Pre-foreclosure sale: The homeowner can sell the home and use the proceeds to settle the mortgage debt, even if the proceeds are less than the amount owed.
- Deed in Lieu of Foreclosure: The homeowner surrenders the property to the lender without further damage to his or her credit.
Real Estate Trivia
How can you give your home the equivalent of sunglasses?
Install low "E" squared glass filters sunlight, saves on energy costs and prevents fading of furniture, drapes and carpets.
|See More Real Estate Trivia >
Phil Brower, Realtor, Sherry Brower, RE asst
Realteam Real Estate Center
296 W Sunset Ave.
Coeur d'Alene, ID. 83815
Direct Line to Phil: 208-660-0072
Sherry's cell : 208-661-0191
Phil has been a resident of the Inland Northwest for his whole life. He has lived in Hayden Lake, Spokane & Spokane Valley. He has had a boat on Lake Coeur d'Alene, the Spokane River and Priest Lake. If you are wanting to buy here, Phil is ONLY ONE CALL OR E-MAIL AWAY FROM HELPING YOU FIND THE RIGHT PROPERTY!! WHETHER IT'S A SMALL COTTAGE, A BRAND NEW HOME, A LUXURY WATERFRONT ESTATE, 5 ACRES OF RAW LAND, OR A DUPLEX, he is constantly previewing all newly listed properties.
When he helps you to own a home (at no extra charge to you) he will give you his full attention starting with, LISTENING to your NEEDS & DESIRES, e-mailing you lots of PROPERTY PHOTOS to review privately, recommending experienced lenders with the BEST LOANS, suggesting favorite ACCOMODATIONS for your visit, showing you YOUR CHOICE of properties, negotiating for your BEST INTERESTS, recommending INSPECTORS who have a critical eye, TITLE Companies to expedite the paperwork, & recommending CONTRACTORS to make the property your own.
Lake City Team specializes in helping you make your next move the best you've ever had!!
Representing a dedication to his profession, Phil is a candidate of the Certified Residential Specialist designation.
Phil would love to talk to you about your real estate needs and get you started toward owning property in North Idaho, so call him today!
Are you wanting a to sell a property here?? Use Phil's excellent skills in pricing the property.
SHERRY was a Realtor for 20 years, and sold over 500 homes. She is now Phil's assistant.
Sherry loves to help market homes and uses the latest technology to make the best impression of the home. Unique flyers that show off your homes best features will bring many more buyers to view it. A personal web site of your home will introduce buyers near and far about your home, magazine advertising will alert readers to go to your home's web site. This is only one part of selling your home. Feedback on every possible showing will give you valuable information. Financial ramifications of an offer will give you details you need to know. Follow thru after an accepted offer will assure that you sell your house with the least hassle.
Call Phil to get started selling your home today. You'll be glad you did.
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