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BUYERS

  • The Buyer Experience
  • Our Buyer Service Guarantee
  • HomeSolutions
  • Contact Us
 

We know the home buying process can be complex, and at times, overwhelming. This is why we’re committed to the highest level of personal service, making one of your biggest financial investments a seamless experience. With our reputable resources and guidance, you will feel confident and well-informed come closing time. We partner with you to help you navigate and achieve the dream of home ownership with our services guaranteed.

The Buyer Experience

What can you expect? The typical buying process takes place in 6 steps:

1 Step One - Find an Agent

Identifying the right agent for you and your needs is a foundational first step. Make sure you choose someone you can trust, someone with local expertise, and someone who can look out for your best interests throughout the entire transaction. If you’d like us to make the match for you, we’re here to help.

2 Step Two - Get Pre-Approved

Pre-approval isn’t required but can give you a leg up on other buyers when it comes time to make an offer on a home. Plus, knowledge is power and meeting with a mortgage lender will help you understand how much you can afford and what financing options are available to you. Your agent can connect you with reputable lenders.

3 Step Three - Start the Search

Your agent will work with you to align on all of your criteria for your new home. They’ll begin sending homes that meet your needs and help you narrow down and weigh your options. As you identify properties that you’d like to see in person, your agent will schedule showings and take you for tours until you find the one that’s just right for you.

4 Step Four - Make the Deal

When you find your dream home, your agent will assist you in crafting, presenting, and negotiating the offer and any subsequent terms. He or she will ensure that you get the home you want for a fair price—a transaction in your best interest.

5 Step Five - Under Contract

Between when the seller accepts your offer and closing day you have time for home inspections, appraisal, title, insurance, financing, and more. There is an opportunity for further negotiations, should the need arise. Your agent will be with you every step of the way to ensure each task is handled correctly and that we get to the closing table properly and on time.

6 Step Six - Complete the Closing

Instructions for what to bring to closing, like funds, ID, and paperwork, will be provided and you’ll see a line-itemed breakdown of terms and expenses prior to closing. On closing day you’ll get your keys and can move into your new home!

Our Buyer Service Guarantee

We see our clients as customers for life, not as one-time transactions. Our goal is to provide the highest level of personal service from the beginning to the end of your home buying process - and beyond! We believe every closing presents the opportunity to evaluate our services and ultimately your satisfaction, which is why we’ve surveyed every client post-transaction since 2006. We are honored that repeat and referral clients make up 75% of our business: a true testament to our agents’ service and care.

Our agents will provide you with the following services:

  • Conduct a counseling and information session to identify your needs and goals and to plan a property search.
  • Provide mortgage lender recommendations to assist with pre-qualifying or pre-approval and help determine affordability range and improve negotiating position at the point of offer.
  • Commit to availability within your timeline to go out and look at homes.
  • Complete a thorough market search to identify all properties consistent with your needs - we will use the funnel process to make sure you’re not missing anything.
  • Prepare a written Competitive or Comparative Market Analysis for you prior to you making an offer to help you determine the right price to offer on the property of your choice.
  • Prepare a written offer to purchase on the property you decide to purchase reflecting your price and terms.
  • Provide counsel and negotiating assistance on all offers to purchase.
  • Obtain and review with you the seller’s written property history and disclosure statement.
  • Recommend professional building and termite/pest inspections and review findings and remedies with you.
  • Monitor and communicate the status and satisfaction of contract contingencies.
  • Accompany you on walk-through property inspection before closing to ensure your comfort level at closing.
  • Attend the closing with you.
  • Contact you after the closing to assure the satisfactory completion of all service details and to make sure everything is going well!
  • Provide you with the opportunity to evaluate the service provided through a survey.
  • Become your go-to source for all things home related - service contractors, advice for home trends, market trends and info, and more!

6 Reasons to Own vs Rent

As you consider buying a home, you may naturally find yourself weighing out the pros and cons of owning versus renting. We’ve rounded up six pros to reassure you owning comes out on top:

1 Reason One - Tax Breaks

The U.S. Tax Code lets you deduct the interest you pay on your mortgage, your property taxes, as well as some of the costs involved in buying your home.

2 Reason Two - Appreciation

An investment in real estate means long-term, stable growth in value. While year-to-year fluctuations are normal, annual appreciation for the greater Charlotte area has been on average 4.4 percent each year from 1978 through 2019, according to the Federal Housing Finance Agency.

3 Reason Three - Equity

Money paid for rent is money that you’ll never see again, but mortgage payments let you build equity ownership interest in your home.

4 Reason Four - Savings

Building equity in your home is a ready-made savings plan. And when you sell, you can generally take up to $250,000 ($500,000 for a married couple) as gain without owing any federal income tax.

5 Reason Five - Predictability

Unlike rent, your fixed-mortgage payments don’t rise over the years so your housing costs may actually decline as you own the home longer. However, keep in mind that property taxes and insurance costs will increase.

6 Reason Six - Freedom

The home is yours. You have the liberty to upgrade, renovate, and embellish as you please, when you please.

HOME SOLUTIONS

Helen Adams Realty’s HOMEsolutions platform provides our clients with the roadmap and tools they need to make smart decision on how to buy your next home.

1 IntroLend Mortgage

With dozens of creative and traditional options available, mortgage financing can be confusing. IntroLend is a mortgage marketplace that allows you to compare all of your options side by side, giving you the confidence to know you have left no stone unturned.

LEARN MORE

2 Cash Offers

In a hot market, it’s not uncommon for homes to receive dozens of showings and multiple offers – each more competitive than the next. Helen Adams Realty has a solution to give you an advantage in this highly competitive landscape: becoming a cash offer buyer.

LEARN MORE

3 Homeownership Accelerator

Tired of renting but not quite ready to buy? Our Homeownership Accelerator program allows a third party to purchase your intended home for you, while you apply rent payments towards homeownership.

LEARN MORE

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