Some people question whether they should use a real estate agent or try to find a home to purchase on their own. Here are ten reasons why it is a good idea to enlist the help of an experienced, knowledgeable real estate agent when you are looking to buy your new San Mateo Coastal home.
1 — Experience
Purchasing a new home may well be the largest expenditure that you ever make. So it simply makes good business sense to enlist all the help you can get.
A seasoned real estate agent has completed more real estate transactions already this year than you’ll likely make in your lifetime. That adds up to a whole lot of knowledge and experience. Experience that can help navigate you safely and securely through every aspect of the buying process.
2 — Knows the Market
A real estate agent will know what’s happening in a particular area, or neighborhood, and help you decide if a home you find is a good value. Once you find a property that interests you, your agent will show you “comps” (comparable properties) of similar homes that have sold recently, as well as those that are currently on the market.
And if your real estate agent works with an established firm, he or she will have instant access to a host of proprietary tools — and property information — that may be difficult, or even impossible, to find on your own. All this information will help you make a well-informed decision.
3 — Saves Time
A good real estate agent is an organizational genius. He or she will manage to get you in to see new properties as soon as they become available — and arrange the most appointments possible within your available time slots, no matter how limited.
But remember, accessibility is a two-way street! Be sure to support your agent by being as flexible as possible — especially when your time is very limited.
4 — Good Listener
If you decide to use a real estate agent, look for someone who asks as many questions as you do. When you mention a price range, does the agent give you a ‘standard’ list of available properties, or is he or she able to make — or adjust — his or her recommendations based on what comes up in your conversations?
How interested is the agent in listening to your point of view? How many questions does he or she ask? After all, your real estate agent’s recommendations should vary substantially based on your personal needs and goals (for example, you may be starting a family, need to configure your new home to accommodate an office, need space for your son’s new car, or be downsizing).
5 — Tells the Truth (even when you don’t want to hear it!)
Expect that a good real estate agent will challenge you once in a while, ask the tough questions, and yes, even disagree with you occasionally. When he or she makes a recommendation that seems off-base, give your agent the opportunity to give you the facts — and share his or her knowledge and experience — before making a decision. Learn to trust your agent’s intuition, insights, and perspectives; they’ll often lead you in the right direction.
6 — Respects Your Budget
One of the most important things that your real estate agent will do is help you determine how much you can afford to spend. He or she may well ask you to consult with your accountant, financial planner, and/or mortgage broker before you make this important decision.
In some markets, there’s a lot more to purchasing an apartment than having cash for the down payment, and securing financing. For example, most Manhattan cooperative buildings (‘co-ops’), which account for about 75 percent of the properties in the city, will also look at your debt-to-income ratio (DTI), and your post-closing liquidity (yes, it can be a bit complicated!).
A good real estate agent will understand the particulars of your market, and help you find a terrific housing solution that you’ll be able to qualify for financially — and that will be possible within your budget.
7 — Team Player
Your real estate agent should be able to recommend a great team of professionals to support your purchase — from mortgage brokers and appraisers, to contractors and designers and real estate attorneys.
8 — Getting to Closing
Remember that finding the right property is only the beginning. Be sure your real estate agent is well prepared to negotiate aggressively on your behalf, and assist you in finding financing, if necessary. Your agent should be ready to follow through with your bank or mortgage broker, any other agents involved in the deal, and with your real estate attorney, until the purchase is complete.
9 — Gives Timely Updates
Throughout the buying process, stay in touch with your real estate agent regularly. He or she should give you regular updates on new properties, any changes in the local real estate market, mortgage rate changes, and so on. And you should update your real estate agent right away should any of your priorities change, or if your research turns up a property you may be interested in seeing. The result of working together closely? Finding just the home you’re looking for, more quickly.
10 — The Relationship
Don’t underestimate the importance of personality when you choose your real estate agent. You’ll be spending a lot of time with them — and entrusting them with one of the most important transactions of your life. So be sure to find someone you not only trust and respect, but also look forward to working with.
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