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Loan Choices
| Who represents YOU, the buyer?
Even though this service is covered by the seller's or landlord's brokerage in the form of a commission split, we, your buyer's broker, are not commission Even though the seller or the seller's agent pays their fee, buyer's agents must always remain loyal to the buyer. Buyer's agents can provide a number of services for you including:
By law, a real estate agent must "provide timely, meaningful written disclosure to consumers of all possible relationships." North Carolina require that real estate agents disclose their agency relationship concerning their clients. Be careful to seek representation for yourself as you may pay heavily for it in the end. The disclosure should take place at the first substantial contact --- certainly before you sign a representation agreement, are shown a property, or the real estate agent is told any confidential information. To receive a brochure explaining agency relationships in full detail, you can contact our office toll free at 1-800-484-8757, code 5236 or send us an email.
Obtaining a letter of mortgage pre-approval from a bank may play a vital part in the successful house buying process. The pre-approval letter is important because: • A letter of pre-approval helps you to determine exactly what your spending power is, taking into account the local property taxes. • It strengthens your offer, as it indicates to the seller that financing is available to you. This is especially important in a busy market where competing offers may come in on any given property. • Pre-approval will clear any doubt you may have about your spending power and save you time and disappointment during the house-hunting process.
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