buying process

What is exclusive buyer brokerage?

4 Buyers Real Estate is one of a small number of real estate firms that works exclusively for house and condo buyers. We do not list property for sale, so we can be the best at getting buyers their best deals. We do this because: We are more effective as a team. We can pool

How are credit scores calculated?

Long before you apply for a mortgage, it is a good idea to check your credit score. Credit scores determine if you qualify for a loan and the rate you pay for your loan. If your credit score is low, you may not be able to get a mortgage, even if you have the down

What does UAG mean? CTG?

Here’s a quick primer on how to read the Multiple Listing Service (MLS) and alternate real estate listing sites. Most of my clients “web around” to sites like Trulia and Zillow to look at images of properties for sale. We create customized searches with our database, but the raw data is out there for everyone

By |2021-11-01T19:27:57-04:00March 22nd, 2016|Categories: buying process, House Hunting|Tags: , , , , , , , |

Scam warning!

There's a new scam in town. It is the child of an old scam. It is very lucrative for the perpetrators, until they get caught. Here's how it goes: Unsecured emails have been tapped by the evil-doers. The perps write to the buyers, just before closing, from the email address of their agent, lender, or

By |2021-11-01T15:46:46-04:00January 27th, 2016|Categories: buying process, House Hunting, Money and finance, Mortgage matters|Tags: , , |

Exclusive buyer’s agent know listing agents

Q: What does an exclusive buyer’s agent know about the work of a seller’s agent? A: Almost everything. What does a good agent do? Pricing: In the current — seller-favoring – market, housing that is slightly underpriced is getting the highest sale price. It takes a skilled agent to find that asking price. If it

Does the market change with the seasons?

First, remember that I am looking at this from the buyer’s side; that’s what I do. I don’t know the minds of sellers. I only know the history of past seasons and the gossip of listing agents about what is coming up. Here’s a quick and easy analogy: seasonal house buying is like seasonal clothes

Buying or renting?

Here is something for everyone who is about to sign a lease and is thinking “should I be buying?” Unlike most Realtors® my answer is not, “Hell, yes! Right now! Hurry!” The economic decision: Owning: For most people, owning a house or condo involves paying down a mortgage, but never owning outright. In previous generations,

Deadline: should I sign another lease?

The Boston area runs on an academic schedule. Whether you have anything to do with schools or universities or not, it still affects you. In June, you’ll notice the lighter traffic due to the student exodus. It definitely affects me in the car, and also at work. I work only as a buyer’s agent, helping

How can a mortgage fail after loan commitment?

Your mortgage contingency allows you to get your deposits back if you don't get a mortgage. Once that deadline has passed, the seller has the right to keep your deposits if you don't close on time due to a delay or a cancellation of your mortgage. Buyers generally have 5-10 percent of their purchase price

No mortgage contingency. What can go wrong?

This spring, we are once again facing a market where buyers are considering waiving their rights in order to be “more attractive” to sellers in bidding wars. Here are two reasons to reconsider that. 1. Most of the time, if you have a documented pre-approval, you will get your mortgage, so a mortgage contingency is