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FIND YOUR HOME




When starting your  home search one of the first things you need to do is meet with a Realtor® that can help you throughout the buying process. A real estate agent serves as the point guard or quarterback of your team often passing the ball off to other important players like a lender, inspector, and attorney. A home can be one of the most expensive purchases you make in your life so it’s important to have the right people that represent you. There are a lot of agents out there that work part time, some agents don’t specialize in home buying and are often unprepared, causing them to not properly represent their clients. Our agents are fully committed to working buyer clients because we love the reward of finding them the best home at the best price.

So what are you waiting for? Contact us today to set up a meeting time with us to help you find your dream home.

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The Search ProcessLoanstimeline of eventsmy team
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The Search Process
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loans
Timeline of Events
time line of events
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my team
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The Search Process
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loans
Timeline of Events
time line of events
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Our team

The search process

With the many home buying websites out there today, anyone can stumble upon a home. I specialize in digging deep into a listing so that my clients are more educated and familiar than the average buyer. This results in them having a strategy and approach that makes buying a home easier.  My clients being more informed has proved to save them time searching, money in negotiations, and in a competitive market it has even gotten their offer accepted vs. other buyers.

The Chicogan Difference

1

Home Search Options

I utilize a number of different search options for my buyers. My favorite is Homesnap due it’s more advanced geo-locating app and more up to date information. Read More...

It’s important to know that the MLS (Multiple Listing Service) is where all listings and information is stored. Then, other sites like Zillow, Realtor.com, etc. grab info from the MLS and present it however they would like on their own pages. They often don’t show you the full listing information, which can be frustrating and confusing. I take any property my clients are interested in and give them a full breakdown of listing and property history, a comprehensive tax report and tax history, a comparison market analysis (CMA) to show how it’s valued when looking at similar homes, an absorption analysis report showing how in demand this property is, and a summary about how this home meets their needs. Other agents either don’t know about these items or don’t put forth the effort to provide it to their clients. Read Less

2

Buyer Focus

Most agents don’t specifically schedule time with their buyer clients. Read More...

They are more concerned with their listings or try to book everything around their own personal schedule. Since this is my full time job, I make myself available at all hours and make sure that you are fully represented. No one will work harder to help you find the home of your dreams! I am a dedicated buyer’s agent that doesn’t actively look for listings so that I can spend more time on your home search.  Also, I work as an individual agent and you will only work with me. Other agent “teams” will pawn you off with an inexperienced agent, which can lead in you being misrepresented. Read Less

3

Negotiation Strategies

Saving money is one of the most important roles of my job. I represent my clients in a confidential and fiduciary role, making your interests my interests. Read More...

Other agents try to move you along and finish your transaction quickly so they can move onto the next one and earn another commission. I work on your timeline and would rather you make the best decision for your long-term future.  In the transaction, I am a strong negotiator that has a proven list/sales price % to save my clients $$$. There are many strategies I can utilize to get a seller to accept a lower than expected offer. Read Less

The search process

With the many home buying websites out there today, anyone can stumble upon a home. I specialize in digging deep into a listing so that my clients are more educated and familiar than the average buyer. This results in them having a strategy and approach that makes buying a home easier. My clients being more informed has proved to save them time searching, money in negotiations, and in a competitive market it has even gotten their offer accepted vs. other buyers.

The Chicogan Difference

1

We utilize a number of different search options for my buyers. Our favorite is Homesnap due it’s more advanced geo-locating app and more up to date information. It’s important to know that the MLS (Multiple Listing Service) is where all listings and information is stored. Then, other sites like Zillow, Realtor.com, etc. grab info from the MLS and present it however they would like on their own pages. They often don’t show you the full listing information, which can be frustrating and confusing. We take any property our clients are interested in and give them a full breakdown of listing and property history, a comprehensive tax report and tax history, a comparison market analysis (CMA) to show how it’s valued when looking at similar homes, an absorption analysis report showing how in demand this property is, and a summary about how this home meets their needs. Other agents either don’t know about these items or don’t put forth the effort to provide it to their clients.

2

Most agents don’t specifically schedule time with their buyer clients. They are more concerned with their listings or try to book everything around their own personal schedule. Since this is our agents full time job, we make ourselves available at all hours and make sure that you are fully represented. No one will work harder to help you find the home of your dreams! We have dedicated buyer’s agents that don’t even focus on listings so that we can spend more time on your home search. Other agent teams will pawn you off with an inexperienced agent, which can lead in you being misrepresented.

3

Saving money is one of the most important roles of the job. We represent our clients in a confidential and fiduciary role, making your interests our interests. Other agents try to move you along and finish your transaction quickly so they can move onto the next one and earn another commission. We work on your timeline and would rather you make the best decision for your long-term future.  In the transaction, we are strong negotiators that has a proven list/sales price % to save our clients $$$. There are many strategies we can utilize to get a seller to accept a lower than expected offer.

Loans

Loans

Mortgages come in many shapes and sizes. A good place to start in learning how to buy your first home is with financing. Almost everyone doesn’t have enough cash to purchase a home, and even if you do there is some sense in at least exploring your mortgage options. Our clients can utilize Prosperity Home Mortgage, located directly in our office to help answer any lending questions they may have.


Call To Learn More | 440.476.0094

Loans

Loans

Mortgages come in many shapes and sizes.A good place to start in learning how to buy your first home is with financing. Almost everyone doesn’t have enough cash to purchase a home, and even if you do there is some sense in at least exploring your mortgage options. My clients and I are fortunate enough to have HomeServices Lending aligned

Call To Learn More | 440.476.0094

time line of events

Timeline of events

One of the most asked questions I get about buying a home is when does everything happen and in what order?  To answer this I’ve developed my own version of a buyer timeline.  I will define each term below the timeline so make sure you read below about each step.

1. Information Gathering +

A. Meet with Realtor® for a needs analysis
B. Get pre-approved with Mortgage Lender
C. Establish monthly budget for mortgage, taxes, insurance, and for condos HOA payment
D. Start browsing for properties online, attending open houses, and exploring neighborhoods

2. Decision Making +

A. In-person showings specifically targeted around your search location and criteria
B. Review a detailed CMA comparing both recently closed and active properties
C. Prepare and submit a complete offer (this includes contract, pre-approval letter, and any disclosures that apply to the property
D. Negotiations occur until offer is accepted
E. Contract gets signed by both parties
F. Initial earnest money payment is made by Buyer

+

Earnest Money*
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse varius enim in eros elementum tristique. Duis cursus, mi quis viverra ornare, eros dolor interdum nulla, ut commodo diam libero vitae erat. Aenean faucibus nibh et justo cursus id rutrum lorem imperdiet. Nunc ut sem vitae risus tristique posuere.

3. Due Diligence +

A. Schedule inspection
B. Talk to attorney to review sales contract, inspection report and propose modifications
C. Once all terms are agreed upon, a/i is closed
D. Final earnest money payment is deposited
F. Lender continues to move mortgage file through underwriting
G. Appraisal is scheduled, report issued to buyer

+

Inspection*
A licensed inspector will walk through and check for both functionality and safety in every aspect of your new home.

+

A/I Attorney Inspection/Review*
The time period referred to as Attorney/Inspection Review. The # of days is listed in the contract, but may be extended if both parties agree.  If all terms aren’t agreed upon, then the contract is cancelled and earnest money will be returned to the Buyer.

+

Earnest Money*
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse varius enim in eros elementum tristique. Duis cursus, mi quis viverra ornare, eros dolor interdum nulla, ut commodo diam libero vitae erat. Aenean faucibus nibh et justo cursus id rutrum lorem imperdiet. Nunc ut sem vitae risus tristique posuere.

+

Appraisal*
This is a formal process of a licensed appraiser walking through your home and determines it’s value compared to other similar homes.  
Inspection - a licensed inspector will walk through and check for both functionality and safety in every aspect of your new home.

4. Closing Time +

A. Lender provides clear to close
B. Buyer performs final walk-through
C. Closing takes place at title company
D. Once funding is approved and all documents are signed the sale is complete

+

Final Walk-Through*
This step is performed typically the morning of your closing to ensure that the home is in the same condition as it was inspected in. Making sure there were no damages incurred while the seller was moving out or that the home hasn’t had any flooding or no items included in the sale are missing.

Time Line White Board Image

timeline of events

One of the most asked questions we get about buying a home is when does everything happen and in what order? To answer this we’ve developed our own version of a buyer timeline.  We will define each term below the timeline so make sure you read below about each step.

1

Information Gathering

+ More Info
— Less Info
  1. Meet with a Realtor® for an analysis of your needs
  2. Get pre-approved with Mortgage Lender
  3. Establish monthly budget for
  4. Start browsing for properties online, attending open houses, and exploring neighborhoods
2

Decision Making

+ More Info
— Less Info
  1. In-person showings specifically targeted around your search location and criteria
  2. Review a detailed CMA comparing both recently closed and active properties
  3. Prepare and submit a complete offer (this includes contract, pre-approval letter, and any disclosures that apply to the property
  4. Negotiations occur until offer is accepted
  5. Contract gets signed by both parties
  6. Initial earnest money payment is made by Buyer
3

Due Diligence

+ More Info
— Less Info
  1. Schedule an inspection
  2. Talk to attorney to review sales contract, inspection report and propose modifications
  3. Once all terms are agreed upon, attorney inspection is closed
  4. Final earnest money payment is deposited
  5. Lender continues to move mortgage file through underwriting
  6. Appraisal is scheduled, report issued to buyer
4

Closing Time

+ More Info
— Less Info
  1. Lender provides clear to close
  2. Buyer performs final walk-through
  3. Closing takes place at title company
  4. Once funding is approved and all documents are signed the sale is complete
Information Gathering +
1

A. Meet with Realtor® for a needs analysis
B. Get pre-approved with Mortgage Lender
C. Establish monthly budget for mortgage, taxes, insurance, and for condos HOA payment
D. Start browsing for properties online, attending open houses, and exploring neighborhoods

Due Diligence +
3

A. Schedule inspection*
B. Talk to attorney to review sales contract, inspection report and propose modifications
C. Once all terms are agreed upon, a/i* is closed
D. Final earnest money payment is deposited
F. Lender continues to move mortgage file through underwriting
G. Appraisal* is scheduled, report issued to buyer

A. In-person showings specifically targeted around your search location and criteria
B. Review a detailed CMA comparing both recently closed and active properties
C. Prepare and submit a complete offer (this includes contract, pre-approval letter, and any disclosures that apply to the property
D. Negotiations occur until offer is accepted
E. Contract gets signed by both parties
F. Initial earnest money payment is made by Buyer

Decision Making +
2

A. Lender provides clear to close*
B. Buyer performs final walk-through*
C. Closing takes place at title company
D. Once funding is approved and all documents are signed the sale is complete

Closing Time +
4
Appraisal*

This is a formal process of a licensed appraiser walking through your home and determines it’s value compared to other similar homes.  
Inspection - a licensed inspector will walk through and check for both functionality and safety in every aspect of your new home.

+
Inspection*

A licensed inspector will walk through and check for both functionality and safety in every aspect of your new home.

A/I - Attorney Inspection/Review*

The time period referred to as Attorney Inspection/Review. The # of days is listed in the contract, but may be extended if both parties agree.  If all terms aren’t agreed upon, then the contract is cancelled and earnest money will be returned to the Buyer.
Clear to close - The three sweetest words in the mortgage industry.  This means that your loan has been fully  approved and we just need to sign all closing papers before the home is officially yours.

Earnest Money*

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse varius enim in eros elementum tristique. Duis cursus, mi quis viverra ornare, eros dolor interdum nulla, ut commodo diam libero vitae erat. Aenean faucibus nibh et justo cursus id rutrum lorem imperdiet. Nunc ut sem vitae risus tristique posuere

Final Walk-Through*

This step is performed typically the morning of your closing to ensure that the home is in the same condition as it was inspected in.  Making sure there were no damages incurred while the seller was moving out or that the home hasn’t had any flooding or no items included in the sale are missing.

Clear To Close*

The three sweetest words in the mortgage industry. This means that your loan has been fully approved and we just need to sign all closing papers before the home is officially yours

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My Team

Our team

MANAGING BROKERS, LENDERS, ATTORNEYS, INSPECTORS

MANAGING BROKERS
LENDERS
ATTORNEYS
INSPECTORS

Our Team - Our clients get access to some of the best real estate professionals in the business. A Realtor® is like a good quarterback who knows which receivers to pass the ball to get your deal across the goal line. From many interviews and experience, we have hand picked the best attorneys, mortgage lenders, inspectors, insurance agents for your access. It takes a great team to work together to make this transaction as smooth and easy as possible. Everyone must communicate and be in sync with one another to make sure no details fall through the cracks.  

Thank you! I will be in touch!
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