Buyer Guide

THE ULTIMATE

HOME BUYERS
EDNA IRIZARRY, REALTOR® GUIDE

HIRE A
BUYER'S
AGENT

TO MAKE
BUYING A

HOME
STRESSFREE!

THE ULTIMATE BUYERS GUIDE ELITE REALTY GROUP  |   2

CONTENTS

4 5 12   
ELITE MISSION CHOOSING AN AGENT CLOSING DAY

4   2  
Elite Realty Group Mission Contents

5  3   
Choosing An Agent Preface
First things First
7
Cost of Buying a Home 6  
The Pre-Approal
Get Pre-Approved For a Mortgage

8   
Finding the Right Home
Location, Price, Desires and Must Have's

9 
Making An Offer
Time to negotiate the deal

10
Inspection
Why have a home inspection?

11    
Utilities
When do I transfer the utilities?

12    
Closing Day
What can I expect?

13
Contact Info

EDNA IRIZARRY, REALTOR®, | ELITE REALTY GROUP, LLC | 910-261-1769

ELITE REALTY GROUP  |  3

PREFACE

First Things First...

I'm looking forward to helping you While this guide won't get into every We are here to help
little detail about the process... you make the best
find that perfect home! decision that is right
(I'll be taking care of a lot of things for you.
As I'm sure you're hoping and behind the scenes which you'll never
expecting, home shopping is exciting need to worry about)...
and a lot of fun!
...it does get into some things you
But it can also be stressful and should know about, which will save
aggravating at times. you time, effort, money, and
headache.
Which is why I'm giviing you this...
Again, I'm looking forward to
If you're like most buyers, you working with you, and thanks for
probable want to just get out there choosing to work with me!
and see homes, right? (and of course
we will!)

But please give this a quick read and
refer back to it througout the
process of buying your home.

EDNA IRIZARRY, REALTOR® | ELITE REALTY GROUP, LLC | 910-261-1769

ELITE REALTY GROUP  |  4

MISSION - EXPERIENCE THE ELITE DIFFERENCE

As a REALTOR®, sometimes I'm representing a buyer and at other times a seller,
however my Mission remains the same..

At Elite, you are more than a client, more than a transaction,
and more than JUST a number. You are our top priority!

Our service is unrivaled. We are skillful and knowledgeable as we naviagate
you through the home buying experience and beyond.
We are the company that cares!

MY PROMISE TO YOU
Real Results

Solid Experience
Full Transparency
Communication Guaranteed

EDNA IRIZARRY, REALTOR®, | ELITE REALTY GROUP, LLC | 910-261-1769

ELITE REALTY GROUP | 5 

Choosing An Agent

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raegsetn.ts are created equal. Here's what separates me from the

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transaction, but a relationship!
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I'm very keen on attention to detail when handling all
dreoacluemsteanttes and adhering to timelines which are crucial in
Mimypleocvceaabnled knowledge for houses and architecture is

EDNA IRIZARRY, REALTOR®, | ELITE REALTY GROUP, LLC | 910-261-1769

THE CURRENT ELITE REALTY GROUP  |6
MARKET CONDITIONS
GET PRE-APPROVED FOR
Now that you’re in the market to buy a home, A MORTGAGE
you’re going to notice every little thing you hear
about the housing market. If you haven’t already done so, you need to get
pre-approved for a mortgage. This is one of the most
It could be on the TV, a headline or article online, important steps in the home buying process is obtaining
friends, family, coworkers…everyone has an financing. This is often the process that intimidates and
option on how the real estate market is discourages many people.
doing. The problem is, most of what you hear is
based upon national data, trends, and Beyond just knowing that you can get a mortgage, and for how
statistics. Even if it’s “local” insight, it’s often still much, getting pre-approved will do a couple of other things for
too broad and general. you: ·

Real Estate markets are very localized. They Starting to talk with lenders now will give you time to choose
even vary between towns and cities, from one which lender you want to work with, to get the best overall
price range to the next. loan for your situation. ·

Bottom Line: Don’t base your mindset or You’ll need it when you want to submit an offer on a home,
decisions on what you casually hear from day to and in those moments, time can be of the essence. If you
day. need to rush to get pre-approved, you may lose out on the
home if you can’t get your offer submitted on time.

You can certainly ask any lender you already have a
relationship with, but if you want any recommendations, the
following are the ones I trust and recommend:

Derek Haley, ARCUS Lending, (919) 247-5724

Casey Mock, American Security Mortgage Corp,
(910) 321-7200 ext 305

Amy Robarge, Certainty Home Loans,
(910) 223-9157

10 Commandments for Buying a Home

Thou shalt not change jobs, become self-employed, or quit your job
Thou shalt not buy a car, truck, or van (or you may be living in it!)
Thou shalt not use credit cards excessively or let current accounts fall behind
Thou shalt not spend money you have set aside for closing
Thou shalt not omit debts or liabilities from your loan application
Thou shalt not buy furniture on credit
Thou shalt not originate any inquiries into your credit
Thou shalt not make large deposits without checking with your loan officer
Thou shalt not change bank accounts
Thou shalt not co-sign a loan for anyone

EDNA IRIZARRY, REALTOR®, | ELITE REALTY GROUP, LLC | 910-261-1769

Cost Associated ELITE REALTY GROUP  | 7
with Buying

EARNEST MONEY

Good Faith Money

DUE DILIGENCE FEE

Fee paid to the seller while you
investigate the property

HOME INSPECTION

Licensed Professional thoroughly
investigates the home for defects

HOME APPRAISAL

Assesses the value of the home

SURVEY

Disclosure of property boundaries
(NOT required by most lenders)

CLOSING COST

Includes lender fees, taxes,
insurance, interest

DOWN PAYMENT

Amount and requirement varies
based on loan

COMMISSIION

Real Estate agent compensation .
Usually paid by the seller
(Required)

EDNA IRIZARRY, REALTOR®, | ELITE REALTY GROUP LLC | 910-261-1769

ELITE REALTY GROUP | 8

Location, Location, Location

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Price

ABuffdogredtability

Finding the Desires vs. Must Have's
Right Home
FCASuimoznseecmntieitotineicasslly
Here's a few key factors to
consider when buying a EDNA IRIZARRY, REALTOR®, | ELITE REALTY GROUP, LLC | 910-261-1769
home...

Location
Affordability
Size
Style of Home

ELITE REALTY |  9

WOrfitfteer!n  Now that you have found a home..
What's next?
Crafting Your
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other terms you can offer
EDNA IRIZARRY, REALTOR®, | ELITE REALTY GROUP LLC | 910-261-1769

ELITE REALTY GROUP  | 10

GET A HOME INSPECTION

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EDNA IRIZARRY, REALTOR®, | ELITE REALTY GROUP, LLC | 910-261-1769

ELITE REALTY GROUP  | 11

TRAINNSYFOEURRUNTAILMITEIES

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EDNA IRIZARRY, REALTOR®, | ELITE REALTY GROUP, LLC | 910-261-1769

FELITE REALTY GROUP  | 12

CLOSING DAY

The moment that we have all been
waiting for has arrived, CLOSING DAY!
Prior to the day, you will have given
copious amounts of information to your
lender to ensure that you qualify for the
loan. You'll be filled with joy and maybe
even a bit of nervousness, especially if
you are a first-time buyer. Here are a few
important tips.

Please arrive on time. Attorney's run
on a rather tight schedule. Being late
could result in rescheduling for an
entirely different date and time.

Bring two forms of identification. One
should be drivers license/ID card. The
other can be a secondary ID such as a
credit or debit card, Military ID's
cannot be photographed and should
not be used for identification purposes
in this instance.

Keys will not be released until the
deed has been recorded. This means
that you may or may not get your keys
the same day that you close. This is
not something over which I have
control. Please plan accordingly.

EDNA IRIZARRY, REALTOR®, | ELITE REALTY GROUP LLC } 910-261-1769

ELITE REALTY GROUP| 13

LET'S GET SOCIAL!

OFFICE ADDRESS:

100 Hay St, Suite 808
Fayetteville, NC 28301

LET'S CHAT

910-261-1769

EMAIL:

[email protected]

WEBSITE

edna.eliterealtygp.com