Purchase Property

Boston.com / Real estate Buying Renting Recent sales Place an ad Luxury Living Community data Financing Commercial Moving Guides Making an offer MORE Buying Guide: Step 1: What can I afford? Step 2: Find an Affordable Place Step 3. Home Buyer Counseling Step 4. Pre-Qualification Step 5. Making an Offer Step 6. Applying for a Mortgage Step 7. The Home Inspection Step 8. The Closing Process Get more information on home buying. Click here NEWS LINK NEWS LINK USEFUL LINKS Mass Housing pre-qualification Affordability calculator Income worksheet Debt worksheet Frequently asked questions RESOURCES For Sale: Homes | Condos | Open Houses For Rent: Apartments | Houses | Roommates Vacation rentals Place an ad: On Boston.com | In the Globe Commercial: Search listings for sale or rent TOOL KIT Printer-friendly version E-mail to a friend Once you've found the home that best meets your wants, needs and budget, it's time to make an offer. An offer is a formal bid for the property, and among other things, sets the amount you are willing to pay for the home. The Offer to Purchase is a signed contract and is therefore a legally binding commitment stating that you will buy the property provided certain terms and conditions are met. An accepted Offer to Purchase Real Estate must be in writing and must be signed by both parties; the Commonwealth of Massachusetts does not recognize verbal offers as valid. You might consider bringing your lawyer into the process before you sign anything, because an attorney can protect your interests as a first-time home buyer. Considerations Many factors come into play as you prepare to make an offer on a property. Carefully consider the following points: What is the condition and age of the house? What will be the cost of any repairs? Are the sellers willing to take on any of the repairs or closing costs? How long has the property been on the market? How active is the market? (i.e., buyers or sellers market) Are the sellers anxious to sell? Is the property in a particularly desirable location or school system? Does the house have everything or almost everything you've been looking for? Preparing the Offer When you are ready to make an offer to a seller or to the agent involved, do not offer more than you can afford. The offer should clearly outline all terms and conditions of the sale, including your name and the name of the party to whom the offer is made, the property's address, any special provisions regarding fixtures, appliances, etc., the total amount of the purchase price being offered (including the amount of deposit you are putting down to bind the offer and the additional deposit to be paid upon the execution of the Purchase and Sale Agreement), and any additional riders and deadline dates. Real Estate Regulations for the Commonwealth of Massachusetts can be obtained from www.mass.gov Timing and Deadlines Timing and deadlines are very important in real estate transactions. You should allow yourself enough time in the Offer to Purchase Real Estate to get an inspection, negotiate the Purchase and Sale Agreement, apply for and obtain mortgage financing, and set a closing date. Real estate deals often fail based on the inability to meet deadlines set forth in the offer. An Accepted Offer The seller may accept, reject or counter your offer. If there is a counter-offer, you may in turn accept, reject or counter. The negotiations between you and the seller could go on for several days and may be stressful at times. One way to mitigate stress during the negotiations is to involve a broker to mediate the process. It is important to remember that regardless of the progress of your negotiations, the house remains on the market during negotiations. Do I Need an Attorney? It is recommended that you retain an attorney when purchasing your first home. How will an Attorney help me? An attorney will protect your interests as a home buyer, and will: Help you negotiate a fair purchase price Help you prepare the Offer to Purchase Help you negotiate a more favorable purchase price if the home inspection uncovers significant problems Draft and/or revise the Purchase and Sale Agreement to protect you and your money Assist you with the mortgage process Prepare you for the final walk-through of the property Attend the closing and represent your interests. Tips for Successful Negotiations When negotiating the price of a home with the seller, you must analyze all of the relevant factors and determine who has the stronger bargaining position. Potential factors include market activity, location and timing. If the local market is active with many other buyers interested in the home, the seller may have the better position. If your local market is not active and the seller needs to sell the home, you may be in a better position to negotiate. For negotiating tips, Go The Purchase and Sale Agreement Once your offer has been accepted a Purchase and Sales agreement (normally the second contract between the buyer and the seller after the initial Offer to Purchase is signed) is drawn up by the broker. The Purchase and Sale Agreement spells out the agreement between the parties in specific detail. REMEMBER! This is a legally binding contract that should be reviewed by your attorney before you sign it. There are two types of Purchase and Sale Agreements: a Standard Form Purchase and Sale Agreement and a Condominium Purchase and Sales Agreement, which is designed specifically for issues associated with condominiums. It is a good idea to contact a broker to obtain copies of these forms. For a description of all components of a sales contract, Go Provisions and Contingencies By placing provisions and contingencies in your offer, you provide additional protections for you and your money. The Purchase and Sale Agreement should include a mortgage contingency clause, which states that your ability to buy the house is contingent upon your ability to obtain financing by an agreed upon date. Such a clause ensures that you do not lose your deposit on the house if your loan is not approved. Other contingencies should include acceptable home, termite, radon and lead paint inspections. The loan closing date and occupancy date should also be indicated in the agreement. For more information on provisions and contingencies, Go The Home Inspection What is the value of a home inspection? A satisfactory home inspection, although not required by law, is a major component of purchasing a home. A home inspection examines the condition of the property, and ensures that you are aware of any necessary repairs and potential problems before you buy the home. The buyer selects a licensed home inspector and pays for the inspection. The home inspection will cost a few hundred dollars but should be done; after all, uncovering problems before you buy could save you thousands. For more information, see Step 7: The Home Inspection . feedback | help | site map | advertising | globe archives | rss © 2006 The New York Times Company Real Estate Guide - Massachusetts Home Builder - New Home Construction

Florida Real Estate featuring

Pensacola Real Estate - Century 21 AmeriSouth Realty - Dan Gullahorn THE Pensacola Realtor Your Century 21 Pensacola Real Estate expert is Dan Gullahorn Pensacola, Florida - Home of the Blue Angels Dan Gullahorn Broker-Owner-Realtor Licensed in Florida & Alabama 3000-C West Nine Mile Road Pensacola, Florida 32534 Office 850-478-6800 Direct 850-723-9193 Fax 850-478-6895 Toll Free 877-897-9023 Navigation Bar Homeowner Alert! Sellers are still needed in the local area. Due to continued demand and low interest rates, Dan can help you sale your residential properties for top dollar . Dan will even guarantee your satisfaction in writing with the Century 21 Seller Service Pledge . Contact him now to find out more! Welcome to your source of information for Pensacola Florida Real Estate featuring Dan Gullahorn and his team at Century 21 AmeriSouth Realty . Thinking selling your home? You can put the power of Century 21 , the worlds most recognized real estate brand to work for you! Would you like to search for Search for Real Estate on the Pensacola MLS (Muliple Listing Service) to see homes for sale in Escambia and Santa Rosa counties? Dan and his staff can help you find what you are looking for. This site has all the information you need concerning Pensacola homes, Panhandle construction, Northwest Florida realty and commercial properties in the local market. Dan's team serves the greater Escambia - Santa Rosa area in Florida & Baldwin-Escambia counties in Alabama. These area include but are not limited to: Pensacola, Cantonment, Gulf Breeze, Pace, Milton, Perdido Key, Gulf Shores, Orange Beach, Seminole, and Lillian which includes the neighborhoods of East Hill, Spanish Trail, Scenic Hills, Marcus Point, Pine Forest, Scenic Heights, Cordova Park, North Hill, Milestone, Innerarity Point, Tiger Point Navy Point and all areas near NAS Pensacola. Dan Gets It Done! Who is Dan you ask? He is a multi-million dollar sales producer who would like the opportunity to work with you on selling your house or finding your next home. Dan and his team always operate within your comfort zone. There are no hassles, never any pressure, and fewer headaches with Dan & his team working as your Realtors. These realtors simply listen to your concerns, work to address those concerns and keep you informed. Century 21 AmeriSouth Realty provides the information and you make the decisions. It is just that simple. Dan's Free Home Value Report Would you like to quickly order a free, no obligation, Home Value Report to find out about recent sales in your neighborhood? In just one click you can find out what Pensacola Real Estate market sale prices are for a particular neighborhood. Follow the links below to find out about the Hassle Free Listing Plan for sellers that can save you money with less headaches when selling your home. The seller services provided by Dan are not limited but include everything you expect from a modern state-of-the-art real estate company. All listed homes are full service listings that appear in the Pensacola MLS, Century21.com and across the internet. Dan and his team already have a group of Buyers looking for homes in the area. Could your property be what they are looking for? Did you know that a Free Comparative Marketing Analysis can give you a clear idea of the market value of your property (home or business)? It is similar to an appraisal and estimates an appraised value without the costs you would expect for such a report. Find out how Dan's exclusive Free Pre-Market Home Assessment will give you the information you need to get your property in condition to sell quickly. Buyers Agents Buyers can get started quickly by going to the Hot Pensacola Florida Properties page or find some of the finest homes in Northwest Florida on the Century 21 AmeriSouth Realty website. Are you thinking of buying a new construction home? Dan and his team work with builders everyday to bring the finest new houses to market. The Select-A-Home feature allows Dan to provide you with the latest Multiple Listings Service listings by E-mail. Be sure to let him know about any listings you are interested in from your search of the Multiple Listing Service on the Pensacola MLS Search page. Dan's team can also keep you up to date on the latest listings in the Pensacola Real Estate market by enrolling you in their Auto Notification program. Mortgage Assistance The Mortgage Information page has the latest rates and links to local lenders. You can also use the Mortgage Calculator to find out what your buying power can do for you. If you have any realty questions that are not addressed here on this site, please ask. Your personal source of local property information is only a mouse click away! Site Map Selling Your House | Testimonials | Pensicola Featured Properties Buying Your House | MLS Search | Value of Your House | Relocation Information | Links | Free CMA | About Dan Mortgage Information | Mortgage Calculator | SelectAHome New Listing Notification | PreMarket Home Evaluation | Links2 Resources Pace RealEstate Directory Pensacola Realty Directory Perdido Key Real Estate AgentPreview - RealEstate Agents and Realtors LookMLS.com - Pensacola MLS and Multiple Listing Service Directory Relocation Professionals Directory Penscola Network.com Cat Clinic of Pensacola Site Built & Maintained by Dan Gullahorn , 2005 All Rights Reserved.

Real Estate Broker License

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Land Loan

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Florida real estate and

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