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Metro1 First Time Home Buyer Presentation

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This presentation is used for first time home buyers looking to buy a home in the Louisville Kentucky area. It shows the steps a home buyer must take from becoming pre qualified with a mortgage to contract negotiations and through to closing.

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Metro1 First Time Home Buyer Presentation

  1. 1. Buying Your First Home
  2. 2. Overview Metro1 Realty Renting v Ownership Financing House Hunting Home-Hunter Contract to Closing Flow Chart Negotiations Home Owner Protection Action
  3. 3. Committed to Excellence  Residential / Commercial  Full Service Agency Member of Multiple Associations  Kentucky and Indiana  Buyer Program  Availability Cutting Edge Technology www.Metro1Realty.com
  4. 4. Renting v Ownership
  5. 5. Financing The Holy Grail : Bring no cash to closing Realtor / Loan Officer Grant Prequalification Letter  Why it’s Important  Which is Better Standard Particular PITI 100% Financing Down Payment Assistance Government Agencies Non Profit Organizations Seller Concessions Closing Costs Rate Buy Down Prepaid Items Principal Interest Tax Insurance Home Mortgage (80/20)
  6. 6. House Hunting  On Your Own  Internet  Drive-bys  Cost  With A Realtor  MLS  Professional Lists  Cost  Client / Customer  Dual Limited Agency  Exclusive Buyer Agency  Procuring Cause
  7. 7. Home-Hunter Map Search Cutting Edge Technology Automated Daily Color Photos Videos Map Search Area Area Map Zip Codes Neighborhoods School District Concentric Search Criteria Bedrooms Baths Square feet Lot size Fireplace Style Anything else…..
  8. 8. Contract to Closing
  9. 9. Negotiations  Get the Facts – Comps (CMA)  Past Sales  Current Listings  Condition  Bathrooms  Garages  Square Feet  More…. _______________________  Other Factors  The Other Party  Negotiation History (New Homes)  “Standard” % Reduction Price Days to Close Possession Repairs Termite Treatment Good Faith Deposit Terms Getting to Yes: Negotiating Agreement Without Giving In. Roger Fisher and William Ury You will Get What You Negotiate Not What You Deserve
  10. 10. Home Owner Protection Home Insurance Credit Score Cost Deductible Home Warranty Cost Deductible Owner’s Title Insurance Mortgage Insurance Home Inspection FHA “Inspection”
  11. 11. Action Meet with Lender Become Prequalified Establish Essential Home Criteria Meet with Realtor Receive Daily Home-Hunter Properties View Homes Offer Contract Close: 15 – 45 Days
  12. 12. Thanks For Attending! 502-254-9600 Neil@Metro1Realty.com www.Metro1Realty.com 12504 Nassau Lane, Louisville, Kentucky, 40243