Smart Buyers Today, Never Buy A Home Alone

First and foremost we help you pre-qualify, then obtain pre-approval for a conventional loan or special financing to determine the maximum home you can afford comfortably. Just as real estate agents are your best resource for home sellers, we're also invaluable when it comes to finding the home of your dreams. Tapping into personal networks of other agents, in conjunction with Multiple Listing Services, the Internet, and office and broker tours, your agent can help find you a great buy on the home you've dreamed of sometimes before a "for sale " sign is even put in front of the property.

We will assist you with any offers you choose to make and take care of any complications that may occur during the buying process. Our goal as your "buyers agent" is to negotiate the best possible terms on your behalf. Wouldn't you prefer to have an agent working for you that provides quality service at no additional cost?

How much will it cost to retain the services of a Buyer's Agent?

There is no need for you to incur any additional cost for our services when a Buyer's Agent helps you buy a home. Our compensation comes from the proceeds of the contract transaction, which is the Seller of the property, unless specifically disclosed and approved by you.

How does a Buyer's Agent get paid for their services?

There are several ways for a Buyer's Agent representing you to be paid. The most common way is exactly the same way all real estate agents are paid: The typical commission paid at closing is usually divided between the listing agent and a Buyer's Agent. The contract secures your representation and discloses it to the seller, and also forces the sellers agent to pay a portion of the total contract commission to the buyers agent.

If you work on commission why would you try to lower the price of a house for me?

If we save you $10,000 on the purchase of your home, a Buyer's Agent would only earn approximately $150 less commission. Your goodwill and word of mouth advertising will be worth much more than this, not to mention our legal obligation to represent our client's best interest.

If The Buyer's Agent saves me money on the purchase price, why can't the traditional agent?

A Realtors' Guide to Compliance With The Law of Agency
States that agents who represent sellers are "to reveal to the seller information concerning the ability or willingness of the buyer to complete the sale or to offer a higher price." Therefore, legally agents who represent sellers must not only do all they can to sell the property for the highest price, but they must also inform the seller if you, the buyer, are willing and able to pay a higher price. This prevents agents representing sellers from promising to save you money on the price of the home. Only agents who represent the buyer exclusively, can legally work to get the buyer a lower price. Missouri Law further states that a licensed agent can only represent the seller of a property without a written buyers agreement. Otherwise the only services that the law allows agents to provide potential buyers are ministerial* in nature. * (Clerical Functions Only)

As Your Buyer's Agent
We enter into an agency agreement representing you.
Performs loan analysis to determine the most favorable loan for you.
Search available properties, including For Sales by Owners.
Locates and shows targeted properties, pointing out strengths and weaknesses.
Performs a broker opinion of value for chosen properties.
Prepares a study of property values in your chosen areas.
Advises you regarding offers on property
Assists in choosing the closing authority.
Assists with determining your needs for professional property inspection and warranties.
Consults with client regarding counteroffers, and negotiates on client's behalf.
Arranges for necessary property inspection.
Confirms that needed correction/repairs have been completed.
Conducts final walk-through inspection.
Reviews HUD-1 closing settlement statement for accuracy.
KEEPS EVERYTHING YOU TELL US ABSOLUTELY CONFIDENTIAL!

If you are not using a "buyers agent" here are the most common mistakes that reduce your negotiating power.

When you begin your home finding process, there is important info that you should not disclose to the on-site agent in an "open house" or new subdivision or the listing agent on a resale property.

1. Do not tell your specific possession date.
2. Do not share how much money you plan to put down on the home.
3. Do not tell the seller's agent the amount the mortgage lender has approved for you.
4. Do not offer to pay closing costs or discount points.
5. Do not disclose your benefits package if being transferred.
6. Do not show emotions over the features you like.
7. Do not disclose your newness to the area and lack of knowledge of current market values
8. Do not disclose what items you want included in offer.
9. Do not discuss your reaction to a counter offer.

   Many listing agents and for sale by owners, have a tendency to become over zealous with potential buyers, expounding on the homes features, instead of letting you simply look at the property objectively and drawing your own conclusions. A buyers agent simply wants your feedback so he/she can search for the home you want, not talk you into one. A good buyers agent will point out the "bad" with the "good" points on any home.