Top 3 Tips for buying a home in Utah right now

Get Pre Qualified for your Loan – Know the difference between Pre-Approved & Pre Qualified

A mortgage pre-approval letter from a lender assures you, sellers and real estate agents that you have the ability to complete the purchase of any home that meets the lender’s guidelines. Mortgage pre-approval shows you what you can afford to spend.  This is imperative to your offer. 

With such a competitive market and so many all cash buyers it is not an option to go in with out a guarantee that you can deliver on funds.  A pre- approval letter also allows you and your Realtor to make a strong plan on what properties you look at.  If you are approved for $450K you will want to look at homes under $425K  that way you have wiggle room to make a solid offer.  No one wants to look at and fall in love with a home that will be out of reach.  be sure to be completely up front about the funds and availability of funds you have to work with.

HAVE A GREAT REALTOR

Choosing your Realtor is a key part of the process.  Be sure you find one that is a good fit for you.  One that is carefull about how many clients they work with, your purchase no matter how big or small needs to be as important to them as it is to you.  Your Realtor does so many things for you like-

• Help You Get Clear on Your Home Buyer Goals

• Help buyer find lender for pre-approval

• Keep in touch with lender

• Set up search for client

• Schedule showings

• Protect buyer’s best interest

• Provide local info on areas & neighborhoods

• Make offer to purchase for buyer

• Negotiate on buyer’s behalf

• Negotiate repairs

• Handle contract paperwork

• Schedule & be present for inspections

• Coordinate with lender & Title

• Schedule closing

• Keep track of repairs completed

• Explain home warranty options

• Schedule & perform final walk through

• Review closing disclosure

REAL ESTATE AGENT VS. REALTOR

People often use the terms REALTOR® and real estate agent interchangeably. While both have taken classes & received a license to help others buy, sell or invest in real estate, there are some key differences between the two.

All REALTORS® are also real estate agents but not all real estate agents are REALTORS®

In order to become a member, agents agree to adhere to NAR’s code of ethics and standards of practice.

Choosing the right Loan

Home Buyers Workshop - Utah

In today’s market knowing how to make a strong offer is one of the most important things your Realtor will do for you!

 

Communication with the listing agent is very important and finding out what other parts of the offer are important to the seller, other than massive amounts of cash.  Sometimes a seller will want a lease back (some time before the buyer takes possession).  Some are in a serious time crunch and want very tight time lines.

Some are more interested in having the appraisal waved because they know the asking price is above what the property will appraise for.

Every transaction and situation are different my advice is to work with a Realtor that is a great communicator and really listens to you.

 

My  job is to be your advocate. I guide, direct and inform on the options and the possible outcomes of those options.  I also go to every length to get you what you want while protecting your assets.

MAKE YOUR VERY BEST OFFER

MAKE YOUR BEST OFFER UTAH HOME KIMBERLEE SHIPLEY UTAH REALTOR

The Most Successful buyers are the ones who are prepared with a GRET REALTOR a PRE-APPROVAL LETTER & a GREAT PLAN of action.
They know what they are looking for and can MOVE QUICKLY when it comes up

A love for interior design, family and home is something I think I was born with! Home has always my happy place and a place of safety and comfort for my always growing family. I didn’t pursue real estate until later in life, but it’s been a passion for as long as I can remember.
I can sit here and tell you I have strong negotiating skills, local market knowledge, and so forth – and of course, I do – but one thing I want to share with you, the thing that is the most important tool I can provide you in your home sale or purchase is my passion and my love for people.
My focus goes beyond the professionalism, experience and market knowledge, my focus is to facilitate your WHY, selling or buying your WHY is my priority? You need a real estate agent who understands that, and seeks to know the answer to those questions, and all of the other important ones that make buying and selling a reality for you. You don’t need a computer to find your dream house, you need a professional partner who has your best interest at heart from the moment you call to even after we close. I’m doing more than just selling houses, I’m providing you the keys to bring your dreams home.