Sales Representative

Sales Rep.

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Please Visit my Instagram Page to view the weekly "Tea to Keys with Kristi"&nbsp;
sold_by_kristimc is my Instagram Name.
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Please Visit my Instagram Page to view the weekly "Tea to Keys with Kristi" 
sold_by_kristimc is my Instagram Name.
 
 
 
 

Tea to Keys with Kristi

negotiate a real estate contract to protect yourself as the seller:
&nbsp;
The obvious &hellip;Purchase price
Don't focus only on highest price-look at net proceeds after concessions and closing costs.
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Earnest money amount
Higher earnest money can signal stronger commitment and reduce buyer walk-away risk.
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Inspection period and repair limits
Limit how long inspections can take and define whether repairs are capped, credits only, or property sold as-is.

negotiate a real estate contract to protect yourself as the seller:
 
The obvious …Purchase price
Don't focus only on highest price-look at net proceeds after concessions and closing costs.
 
Earnest money amount
Higher earnest money

NEGOTIATING A CONTRACT AS A SELLER!

How to Prepare to Purchase a House
1. Know Your Budget
Before looking at homes, understand:
<ul class="ul1">
<li class="li1">&nbsp; Monthly income</li>
<li class="li1">&nbsp; Monthly expenses</li>
<li class="li1">&nbsp; Debt obligations</li>
<li class="li1">&nbsp; What monthly payment feels comfortable</li>
</ul>
&nbsp;
Remember: Your payment may include:
<ul class="ul1">
<li class="li1">&nbsp; Mortgage</li>
<li class="li1">&nbsp; Property taxes</li>
<li class="li1">&nbsp; Homeowners insurance vs</li>
<li class="li1">&nbsp; HOA fees (if applicable)</li>
</ul>
&nbsp;
2. Check Your Credit Score
Your credit can impact:
&bull; Loan approval
<ul class="ul1">
<li class="li1">&nbsp; Interest rate</li>
<li class="li1">&nbsp; Monthly payment</li>
</ul>
Ways to improve credit:
<ul class="ul1">
<li class="li1">&nbsp; Pay on time</li>
<li class="li1">&nbsp; Keep balances low</li>
<li class="li1">&nbsp; Avoid opening new accounts before buying</li>
<li class="li1">Review credit reports for errors</li>
</ul>
&nbsp;
3. Start Saving
Typical costs may include:
<ul class="ul1">
<li class="li1">&nbsp; Earnest money</li>
<li class="li1">&nbsp; Down payment</li>
<li class="li1">&nbsp; Closing costs</li>
<li class="li1">&nbsp; Moving expenses</li>
<li class="li1">&nbsp; Emergency home fund</li>
</ul>
&nbsp;
Saving ideas:
Food budget with budget meals
Decorate on a budget
Automatic transfers
Reduce subscriptions
Save tax refunds or bonuses
&nbsp;
4. Build a Home
Buying Fund
&nbsp;
Create separate savings categories:
<ul>
<li class="p1">Down Payment</li>
<li class="p1">Closing Costs</li>
<li class="p1">Moving Expenses</li>
<li>Repairs/Furniture</li>
</ul>
&nbsp;
5. Get Pre-Approved
A pre-approval helps you:
<ul class="ul1">
<li class="li1">&nbsp; Understand your price range</li>
<li class="li1">&nbsp; Shop confidently</li>
<li class="li1">&nbsp; Strengthen your offer</li>
<li class="li1">&nbsp; Move faster when you find the right home</li>
</ul>
&nbsp;
6. Gather Your Documents
Common items lenders request:
<ul class="ul1">
<li class="li1">&nbsp; Driver's license</li>
<li class="li1">&nbsp; Pay stubs</li>
<li class="li1">&nbsp; W-2s or tax returns</li>
<li class="li1">&nbsp; Bank statements</li>
<li class="li1">&nbsp; Employment information</li>
</ul>
&nbsp;
7. Understand Extra
Costs
Many buyers forget:
<ul class="ul1">
<li class="li1">&nbsp; Utilities</li>
<li class="li1">&nbsp; Maintenance</li>
<li class="li1">&nbsp; Lawn care</li>
<li class="li1">&nbsp; Home repairs</li>
<li class="li1">&nbsp; Pest control</li>
<li class="li1">&nbsp; HOA dues</li>
</ul>
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&nbsp;
8. Build Your Team
Helpful professionals:
&bull; Real Estate Referral
Agent
<ul class="ul1">
<li class="li1">&nbsp; Mortgage lender</li>
<li class="li1">&nbsp; Insurance agent</li>
<li class="li1">&nbsp; Closing attorney/title company</li>
<li class="li1">&nbsp; Home inspector</li>
</ul>
&nbsp;
9. Decide What You Need vs. Want
Create 3 lists:
Must Have
Would Like
Dream Features
10. Ask Questions
Examples:
<ul class="ul1">
<li class="li1">&nbsp; How old is the roof?</li>
<li class="li1">&nbsp; Average utility costs?</li>
<li class="li1">&nbsp; Flood zone?</li>
<li class="li1">&nbsp; HOA rules?</li>
<li class="li1">&nbsp; Estimated maintenance?</li>
</ul>
&nbsp;
Here's why saving matters:
1. Down Payment
Saving can help reduce how much you borrow.
2. Closing Costs
There are often expenses involved in finalizing a purchase.
<ol class="ol1">
<li class="li1">Moving Expenses Boxes, movers, utility setup, furniture, and small purchases add up.</li>
<li class="li1">&nbsp; Emergency Cushion Owning a home means unexpected repairs can happen.</li>
<li class="li1">&nbsp; Monthly Confidence</li>
</ol>
Savings can make the transition into homeownership feel more manageable.
6. More Choices
Preparation can create flexibility when opportunities appear.
7. Peace of Mind
Buying a home should feel exciting&mdash;not overwhelming.
Easy places to start: v Save automatically
-Track spending for one month
-Reduce impulse purchases
-Set a small weekly savings goal
&nbsp;
Remember:
You don't have to save everything overnight.
Small, consistent steps can build momentum over time.
&nbsp;
<ol class="ol1">
<li class="li1">&nbsp; Track spending for 30 days</li>
<li class="li1">&nbsp; Meal plan before shopping</li>
<li class="li1">&nbsp; Use a 24-hour wait before non-essential purchases</li>
<li class="li1">&nbsp; Cancel unused subscriptions</li>
<li class="li1">&nbsp; Automate savings</li>
<li class="li1">&nbsp; Redirect raises, bonuses, or side income</li>
<li class="li1">Reduce impulse spending</li>
</ol>
Example:
Saving $25-$50 weekly can build momentum over time.
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How to Prepare to Purchase a House
1. Know Your Budget
Before looking at homes, understand:   Monthly income
  Monthly expenses
  Debt obligations
  What monthly payment feels comfortable  
Remember: Your payment may include: