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2050 Roswell Rd.
Marietta, GA 30062

Direct 678.784.4331
FAX 678.301.3606
E-Mail Us
 


A Buyer Orientation
Orient Yourself Now To The Valuable Benefits Of Having The Brenners On Your Side At The Closing Table.

Brenners' Home Search Action Form.
The Home Buying Process.
Benefits of Buyer Agency.
Information Needed For Loan Application.
The Lending Process.

OUR CONTACT INFORMATION:
Janet and Stuart Brenner of RE/MAX Greater Atlanta
2050 Roswell Road, Marietta, Georgia, 30062
Voice: 770.422.5355 -- FAX: 678.301.3606


Advantages of Working with Janet & Stuart Brenner

You reap the benefits of our 41combined years of experience in the Real Estate business!!!
You are assured of the best counseling available in the Real Estate business, when purchasing your home!!!
We develop the rapport necessary to communicate easily to insure a smooth transaction!!!
We come to understand your particular needs and act in your best interests!!!
We both make a commitment in time and effort because we can feel assured of completing a mutually satisfactory transaction!!!

What We Can Offer You

Financial Information.
Knowledge of North Atlanta.
Appropriate Houses to Consider.
(What you want and what you can afford in an area you want to live.)
Diligent effort to find you the "right" home.

Your Home Buying Process



Benefits of Buyer Agency

Loyalty
The real estate agent must act solely in the best interest of the buyer.

Obedience
The real estate agent must follow the lawful instructions.

Disclosure of all Material Facts
Examples but not limited to:


Relationships between agent and other parties.
Existence of other known offers.
Status of earnest money.
Seller’s financial condition known to buyer's agent.
Property’s true worth.
Commission split with other brokers.
Legal effect of important contract provisions.

Confidentiality
Any discussions, facts, or information that should not be revealed to others but does not include responsibility of fairness and honesty in dealings with other parties.

Accounting in dealings
Reporting of where any money placed in the hands of the broker is kept.

Reasonable Skill and Care
Arriving at a reasonable purchase price and advising buyer of such. Affirmatively discovering material facts and disclosing them to the buyer. Investigating the material facts related to the sale.

WHO PAYS THE COMMISSION?

The Seller Does
The Seller has generally signed a listing agreement with his/her agent specifying a certain fee to be paid, and many times it has provisions for splitting that fee with the agent who sells the property, regardless of subagency or buyer agency.

The Buyer Does
The Buyer can pay his agent a commission as set out in their written agreement. If this is the case, it would be inappropriate for the buyers’s agent to accept any portion of the fee paid by the seller.

Indirectly, The Buyer Does
Even though the seller pays the commission out of his proceeds, it has been argued that the buyer paid the commission as part of the overall purchase price. This assumes the buyer could have bought the home for less had it not been listed. In reality all parties should understand the Appraised Value of the property includes the commission and was taken into account when the seller listed the property.

Each Party Pays Their Agent
Each party pays their agent as specified in their written agreement.

Information Needed For Loan Application

Sales contract signed by purchaser and seller/warranty deed if refinancing.

One (1) month current paystubs.
Two (2) years tax returns and W-2 forms.
Self-employed two years Corporate Tax Returns and year-to-date profit & loss.
Three (3) months current bank statements on ALL checking, savings, money market and stock accounts.
An application fee check amount to be determined by lender.

Additional Items That May Be Required


Contract for sale of residence.

Copy of settlement statement for any property sold in past two years.
Copy of divorce decree and final judgement.
Certification of social security, disability or retirement income.

The Lending Process

During your loan application,
you can expect to receive:


The best loan program for your needs.

An estimate of funds you will need for loan approval and closing (Good Faith Estimate).
An estimate of your total monthly house payment.
A review of your credit report (the credit reporting agency may also contact you).
A list of documents necessary to complete your application and approval, if any
A copy of all application documents for your records.
The name and phone number of the Customer Service Specialist assigned to your loan.

Underwriting/Processing the Loan Application


Order and evaluate your property appraisal.

Order and review the property title documents.
Make a final underwriting decision on your loan.
Confirm the date, time and location of your loan closing.
Communicate with your real estate agent during the process.
Prepare and review the Settlement Statement (HUD-1) in advance of your closing.
Advise loan officer whether or not you wish to have a survey ordered as part of the closing process.

Closing Your Mortgage Loan


During your loan closing,
you can expect to:


Have the closing agent explain the closing documents to you.

Be offered the opportunity to purchase Owner's Title Insurance on your property.
Receive copies of all the important loan closing documents for your records.

Congratulations!
You Are a Homeowner!

 


We offer some of the best Home Search Tools available on the Internet including our current resale inventory, new homes, and the ability to search the entire Atlanta Metro Area home inventory. Not just RE/MAX Greater Atlanta -- but every home on the Multiple Listing Service -- an average of 35,000 homes available at any time.

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the Atlanta
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© 2008 - Janet & Stuart Brenner of RE/MAX Greater Atlanta
All Rights Reserved.

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