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Home Buyer’s Guide
Home Buyer’s Guide

    Table of Contents
    THe Goldwasser Team .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 3
    REALTOR Partners  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 3
    Operations Team  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 3

    BuyinG wiTH THe Goldwasser Team  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 4
    Your Exclusive Buyer Agent  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 4
    What We Can Help You Buy  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 5
    Before We Get Started  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 5
    So You’re Ready to Buy a New Home  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 6

    Home BuyinG Process  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 7
    Process Diagram  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 7
    Tasks and Time Frames  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 8

    service Providers  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 10
    Services  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 10
    Area Utility Providers .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  .  . 10




	   	                                                          Goldwasser	Team	•	Keller	Williams	Realty	•	500	N.	Capital	of	Texas	Hwy.	•	Bldg.	5,	Ste.	100	•	Austin,	TX	78746
THe Goldwasser Team

    REALTOR® Partners
    The Goldwasser Team’s REALTOR® Partners are by far the best
    in the business. The team is recognized by the Austin Business
    Journal as the number one residential real estate sales team in
    the Austin metro area. The team completed 200 transactions in           Chad	Goldwasser
    2005, doubled that in 2006, and is on track to hit 800 in 2007.         Chief Executive Officer


    What does that mean for you? A lot of experience on your side of
    the negotiations in your real estate transaction. Experience alone
    is not enough to be successful. The entire team is dedicated
    to continuing education through both real estate seminars and
    regular in-house training. In addition, the team has earned
    multiple designations by studying the laws and practices of the            Greg	Cooper
    real estate industry.                                                   Vice President, Sales


    The Goldwasser Team holds designations in the Council of
    Residential Specialists; Graduate, REALTOR® Institute; Accredited
    Buyer Representation; and Certified Luxury Home Marketing
    Specialist. They are graduates of the Star Power University and
    attend team continuing education over five hours each week.
    All agents stay on top of the local Austin market by viewing and
    comparing properties on a daily basis. They also continually
    study and research industry trends to determine what the market
    may hold in the future.

    There is simply no better qualified nor better prepared team of
    residential real estate specialists in Austin!




    Operations Team
    With many years of experience in real estate, the team of managers
    assisting in the sale of your property is among the best! Countless
    details need special attention during a real estate transaction.
    Realistically, no one person can be effective in all areas of real       Tara	Goldwasser
    estate, including market research, negotiating, marketing, graphic      Chief Operating Officer
    design, copywriting, and transaction details.

    Our team’s specialized managers focus solely on each phase of
    the real estate transaction and strive to be the best in the business
    at what they do. During the sale or purchase of your home, expect
    to be in touch with these dedicated professionals as they handle
    all aspects of the transaction.




	   	                           Phone:	51-40-0300	•	Fax:	800-948-4045	•	E-mail:	info@goldwasserteam.com	•	www.GoldwasserTeam.com	   3
BuyinG wiTH THe Goldwasser Team

    Your Exclusive Buyer Agent
    There are three different ways in which you can be represented during the purchase of a new home, and none of them cost you, the buyer, any money. Then why do people often choose
    the worst form of representation? Usually it is due to a lack of education about the home buying process. Our goal is to be your Exclusive Buyer Agent and to assist you in making well-
    educated and informed decisions throughout the home buying process.

    You can be represented in a real estate transaction in the following ways:


    1 . THe Broker/aGenT rePresenTs THe seller (Good for seller, Bad for Buyer)
    This is the agent who has a written agreement to sell the client’s home. In addition, if any agent shows you homes without being in a written buyer agent agreement with you, by law they
    are acting as a subagent to the seller and have fiduciary duties to the seller, not you! In this agreement, the buyer should not tell the agent any information he does not want the seller
    to know because the agent must disclose to the owner any material information they have.


    2 . THe Broker/aGenT rePresenTs THe Buyer (GreaT for seller, GreaT for Buyer)
    This is how a buyer is represented when they have entered into a written buyer representation agreement with their Exclusive Buyer Agent. The agent must put the interests of the buyer
    first and foremost and will provide the buyer with any material information they have about the seller.


    3 . THe Broker/aGenT acTs as an inTermediary (Good for seller, Good for Buyer)
    If the agent obtains written consent from both the buyer and seller in a transaction, they may act as an intermediary to the transaction. The agent must treat each party honestly and
    fairly and may not disclose any material information about either party to the other. The intermediary agent is in essence the “middle man.”

    The only way the Goldwasser Team will represent you in a transaction is as your Exclusive Buyer Agent with a written buyer agency agreement. If we didn’t, then we would be
    representing the seller according the Texas Real Estate Commission.




	   4	                         Goldwasser	Team	•	Keller	Williams	Realty	•	500	N.	Capital	of	Texas	Hwy.	•	Bldg.	5,	Ste.	100	•	Austin,	TX	78746
BuyinG wiTH THe Goldwasser Team

    What We Can Help You Buy
    Our team of Exclusive Buyer Agents will evaluate your home buying needs in our first meeting with you and will then be better prepared to assist you in your home buying search. We
    are highly skilled in locating the ideal home for you, whether it’s an existing home, a for sale by owner, or a new builder construction! In all three transactions our commission fees are
    pre-negotiated so that the seller is responsible for them, not the buyer.


    exisTinG Homes
    Once we know your wants and needs based on our initial consultation, we spend a day previewing properties that meet your criteria. We show you homes listed by any brokerage firm in
    the Austin area and we are able to narrow a list of hundreds of properties because of factors such as neighborhood or home features. We preview the properties first because we are
    able to look at several homes in the time it would take both of us to view just a couple. Other agents may make you spend your valuable time driving by homes and then telling them
    which homes you wish to see. Instead, we narrow the list and show you only the most well-kept homes, in the best areas, at the best value—unless you are looking for a fixer-upper, in
    which case we will adjust our criteria for narrowing the search. The bottom line is to save you time and money!


    for sale By owner
    We often work with homeowners who wish to sell their home themselves. In fact, many of the listings that our team takes are from people who have tried unsuccessfully to sell their
    homes themselves. We maintain awareness of all for sale by owner properties in the Austin area and will be happy to arrange a showing for you. In this transaction, you will continue to
    be represented by us with our buyer’s representation agreement. It is the seller who loses, as they complete the transaction with no professional representation.


    new Builder consTrucTion
    Many home buyers are not aware that the representatives at new construction sales centers work for the builder, and do not represent the buyer’s best interests. Our team has
    extensive knowledge of area builder reputations, floor plans, and lots, as well as schools, neighborhoods, amenities, and accessibility. As your Exclusive Buyer Agent, we will negotiate
    the purchase price on your behalf with the builder and assist you in selecting upgrades. We will work behind the scenes throughout the transaction to ensure everything goes smoothly.



    Before We Get Started
    The single most important thing for you to do before beginning your new home search is to select and meet with a mortgage lender. You can find a list of recommended lenders in the
    vendor list at the back of this guide. It is important to do this before we begin our search for several reasons:

    1. It allows you to determine how much your monthly payment will be.

    2. It helps us to determine what price range we should stay within.

    3. It gives you an estimate of how much money you will need to have for the down payment and closing costs.

    4. Most importantly, it helps us to negotiate from a stronger position.




	   	                          Phone:	51-40-0300	•	Fax:	800-948-4045	•	E-mail:	info@goldwasserteam.com	•	www.GoldwasserTeam.com	                                                                5
BuyinG wiTH THe Goldwasser Team

    So, You’re Ready to Buy a New Home!                                                                    Monthly payment schedule based on 8%
    Whether this is your first home purchase or one in a line of several over the past years, we would
    like to provide you with some basic information up front to prepare you for your search. We             APR Interest for a 30-year mortgage .*
    hesitate to begin this with information about what it will cost to buy your new home, but after all,
    money is the bottom line. We are certain you would like to be informed of what costs you will incur.           loan amounT                   monTHly PaymenT
                                                                                                                       $100,000                          $ 733
    four cHecks Prior To closinG                                                                                       $110,000                          $ 807
    You will need to write four checks prior to closing on your new home. All costs are average and will               $120,000                          $ 880
    vary with the price, size, and features of your new home.
                                                                                                                       $130,000                          $ 953
    1. Option Fee ($100–$500): Payable to seller at the receipt of the contract and credited toward                    $140,000                         $1,027
       your closing costs.                                                                                             $150,000                         $1,100

    2. Earnest Money (1% of the sales price of the home): Payable to the title company at signing of                   $160,000                          $1,174
       offer. This will be credited toward your closing costs.                                                         $170,000                         $1,247

    3. Inspection ($300-$500): Payable to the inspector at time of the inspection during the option                    $180,000                         $1,320
       period.                                                                                                         $190,000                         $1,394

    4. Credit Check and Appraisal ($400): Payable to the lender after the option period expires.                       $200,000                         $1,467
                                                                                                                       $210,000                         $1,540
    your monTHly PaymenT — PiTi                                                                                        $220,000                         $1,614
    The monthly payment on your new home will include the principle and interest on the loan you
                                                                                                                       $230,000                         $1,687
    take out with your mortgage company. In addition, you will be responsible for paying yearly
    property taxes and homeowner’s insurance. If you choose, you can have your taxes and insurance                     $240,000                         $1,761
    added to your monthly payment (some loans require this), or you can pay them on an annual                          $250,000                         $1,834
    basis. The table at the right will give you an idea of the monthly payment you can expect, including               $260,000                         $1,907
    your loan principle and interest (P  I) based on a 30-year mortgage at 8% APR interest rate. Taxes
                                                                                                                       $270,000                         $1,981
    and insurance will vary greatly depending on the area in which you live and the features of your
                                                                                                                       $280,000                         $2,054
    home. Generally, on a $100,000 to $200,000 home, your taxes will range from $2,000 to $4,000
    annually and your homeowner’s insurance will range from $300 to $800 annually.                                     $290,000                         $2,127
                                                                                                                       $300,000                         $2,201
    Once you have found the home you wish to purchase, your lender can complete a Good Faith
                                                                                                                       $310,000                         $2,274
    Estimate for you that will better predict your closing costs and estimated monthly payment.
                                                                                                                       $320,000                         $2,348
                                                                                                                       $330,000                         $2,421
                                                                                                                       $340,000                         $2,494
                                                                                                                       $350,000                         $2,568
                                                                                                                       $360,000                         $2,641
                                                                                                                       $370,000                         $2,714
                                                                                                                       $380,000                         $2,788
                                                                                                                       $390,000                         $2,861
                                                                                                                       $400,000                         $2,935
                                                                                                               *Monthly payments listed are principle and interest only.
                                                                                                                        Taxes and insurance are additional.




	   6	                         Goldwasser	Team	•	Keller	Williams	Realty	•	500	N.	Capital	of	Texas	Hwy.	•	Bldg.	5,	Ste.	100	•	Austin,	TX	78746
Home BuyinG Process

    Process Diagram
                    Start Phase One                                                          Start Phase Two

                        Initial Consultation                                     Order               Mortgage             Send Loan to
              Information about Brokerage Services                              Appraisal            Company              Underwriting
                Buyer’s Representation Agreement
                          Buyer’s Packet
                                                                                                   Loan Approval
            Application for
                                             Credit Report
           Loan Pre-approval
                                                                                 Order                 Title                   Title
                                                                                 Survey              Company                  Search
                 Buyer Agent Previews Properties

                                                                                      Buyer to Arrange for Transfer of Utilities
                       View Active Listings


              Make Offer                   Negotiate                                        Mortgage Company Delivers
              on Property                Terms of Offer                               Final Loan Documents to Title Company



                            Final Contract                                           Title Company Prepares HUD 1 Statement


           Buyer to Arrange for Homeowner’s Insurance
                                                                                      Buyer Brings Cashier’s Check to Closing

                                                             Option Period:
                        Home Inspection
                                                              7–10 Days

                                                                                            Home Ownership
           Negotiate Repairs                 Amendment



                      Option Period Expires



               Proceed to Phase Two


	   	            Phone:	51-40-0300	•	Fax:	800-948-4045	•	E-mail:	info@goldwasserteam.com	•	www.GoldwasserTeam.com	                     7
Home BuyinG Process

    Tasks and Time Frames
    We go through several steps together while finding and purchasing your home. For many of these we simply tell you that the task has been completed for you; however, others may
    require some work from you. We inform you about every aspect of the transaction and remind you when there are tasks that you should be working to complete. The chart on the
    previous page shows the flow of these tasks so you can better understand the home buying process.


    Task: secure financinG                          Time frame: Before we BeGin lookinG
    The first step in buying a home is to obtain loan pre-approval. This provides you with the information you need to determine how much home you can afford and what type of monthly
    payment you are comfortable with. In addition, many sellers do not consider offers from buyers who are not pre-approved. We work with several lenders who have proven to offer
    exceptional customer service and competitive interest rates. A list of recommended lenders can be found in the vendor list at the back of this guide. You may use one of these, or you
    may choose one of your own.

    Three elements are crucial to the purchase of a home: the down payment, closing costs, and qualifying for a mortgage. Here is a quick rundown of what you should know:

    Down Payment
    Conventional lenders typically require a 20% down payment, although you may be able to find loans with no down payments. With down payments less than 20%, you will likely have to
    pay private mortgage insurance, which guarantees the lender will be repaid in case of default.

    Mortgages insured by the Federal Housing Administration (FHA) and those available to U.S. veterans often require very low down payments. Ask your lender if you can qualify for one of
    these loans.

    If you have trouble coming up with the down payment, there are some tips to ease the burden:

    • Start early. Begin saving for a down payment as soon as possible. After a few years, it adds up.

    • Ask for a Flex 97 mortgage, underwritten by Fannie Mae. It only requires 3% down provided that you have good credit. Also, you may be able to borrow that 3% on credit cards.

    • Convert stocks. Consider selling stock for the down payment. The housing market is often a better investment anyway.

    • Sell an asset. If you have “toys” such as a boat, extra car, or other asset, consider selling it for the down payment.

    • Borrow from relatives. Today lenders will allow you to use money from relatives as the down payment if it is provided as a gift. Check with your lender for restrictions.

    Closing Costs
    No matter what home you buy, there will be closing costs. These can include discount points, title insurance, escrow fees, attorney fees, a termite report, recording fees, appraisal fees,
    document preparation fees, notary fees, and loan underwriting fees. Usually, these are due in cash, but sometimes they can be folded into the mortgage.

    Loan Qualification
    Primarily, your income plus the interest rate secured, determines the size of the mortgage for which you qualify. The higher the interest rate, the higher the monthly payment. The higher
    the monthly payment, the more income you need to qualify for the mortgage. For conventional financing, lenders generally limit the monthly payment to 28% of your gross monthly
    income. Exceptions can be made depending on individual circumstances. The amount of debt you currently have may also factor in the decision.

    Contacting a lender before you make an offer on a house may be a good idea. This head start gives you a chance to resolve any problems that may arise without the pressure of
    contract deadlines. You can also get pre-approved for a loan, which puts you in a strong position if you make an offer on a house that receives offers from other buyers.




	   8	                         Goldwasser	Team	•	Keller	Williams	Realty	•	500	N.	Capital	of	Texas	Hwy.	•	Bldg.	5,	Ste.	100	•	Austin,	TX	78746
Home BuyinG Process

    Task: insPecTion                    Time frame: aT accePTance of offer
    Upon acceptance of your offer, you will arrange for an inspection of the property. This needs to be completed during the option period so that if something is discovered during the
    inspection (that you cannot live with and the seller is not willing to fix), you may cancel the contract and only forfeit your Option Fee.

    The enclosed vendor list provides a list of inspectors licensed by the Texas Real Estate Commission (TREC). The inspection will take two to four hours and you will only need to be
    present for the last half-hour when the inspector reviews the findings with you. All homes have a long list of minor repairs. However, we are mainly looking for major mechanical or
    structural defects to the property. The cost of the inspection varies based on the size and features of the home and will range from $300 to $500. This payment is due at the time of the
    inspection.


    Task: PrePare amendmenT                          Time frame: immediaTely followinG insPecTion
    After the Inspection, we will complete an amendment to the contract. This amendment will include any items that were discovered during the inspection that you would like the seller to
    repair for you. The amendment will then be negotiated between you and the seller, much like the contract was. Once an agreement on repairs to be completed has been reached, you
    will forfeit your right to the Option.


    Task: oBTain Homeowner’s insurance                           Time frame: durinG oPTion Period
    In order to close on your new home, you need to arrange for Homeowner’s Hazard Insurance. You will need to notify your lender of the insurance company you choose, a contact name,
    and a phone number. The enclosed vendor list provides names of insurance agents that our clients have used in the past and have been very satisfied with. You may receive a discount
    by having your car insurance and homeowner’s insurance with the same company, so check with your current insurance agent as well. We recommend that you obtain at least two
    estimates from different agents and then make a decision.


    Task: Transfer uTiliTies and scHedule services Time frame: Two weeks Prior To closinG
    You will need to transfer the utilities to your name before moving into your new home. In order to save money on hook-up fees, call ahead and ask the utility companies to transfer the
    billing to your name upon cancellation by the seller. In the enclosed vendor list you will find most utility information for Austin and surrounding areas. If you need further information,
    please don’t hesitate to call us; we are here to help you.


    Task: funds availaBle in THe Bank and ensure loan QualiTy                                         Time frame: 72 Hours Prior To closinG
    Obtaining pre-approval for a home loan is just the first step in funding your loan at closing. Many times buyers plan to use monies from stocks or 401(k) retirement plans as down
    payment on their new home. If you plan to liquidate stocks or 401(k) to supplement your down payment, the money from the sale of these funds must be available in the form of cash in
    your bank account at least 72 hours prior to closing. Because a withdrawal from a 401(k) can be a complicated and time-consuming process, we advise you to begin the withdrawal of
    these funds immediately.

    On average, one out of five home mortgage loans goes through a quality control check. The lender does this to ensure that the borrower’s financial status has had NO CHANGE since
    the approval of the loan was granted. No matter how good your financial situation is, lenders strongly advise against changing your financial status from the date of your loan approval.
    This includes, but is not limited to, applying for new credit, gaining new credit, purchasing appliances, furniture, cars, changing jobs or quitting your job. An appropriate time to make any
    of the above financial changes would be after the closing and funding of your new home. If you have any questions about your purchase decisions while you are waiting to close on your
    new home, please consult your mortgage lender for advice.


    Task: Hud 1             Time frame: one day Prior To closinG
    One day prior to closing, or sometimes just hours prior to closing, the title company will complete the HUD 1. This is the document that tells us how much money the buyer needs to
    bring to closing. We will call you with this amount and to tell you the location of the closing. You will then have a cashier’s check made out to the title company in the correct amount
    according to the HUD 1. Bring this check along with your driver’s license to closing on the specified day.


    Task: closinG Time frame: day of closinG
    You will receive keys to your new home from the seller when the loan funds. You may be able to begin moving in immediately following closing, although some sellers may require that
    funding go through before you may take possession. Funding usually happens by the end of the business day. The closing will take approximately one hour.




	   	                          Phone:	51-40-0300	•	Fax:	800-948-4045	•	E-mail:	info@goldwasserteam.com	•	www.GoldwasserTeam.com	                                                                9
service Providers

    Services                                                Home warranTy comPanies
                                                            Allied Home Warranty
                                                                                                                 Junk removal
                                                                                                                 Junk Busters USA
                                                            512-736-9022                                         512-249-5500
    accounTinG                                              www.alliedhomewarranty.com
    Egon Stockenbojer
    512-450-0344                                            American Home Shield
                                                                                                                 landscaPinG and yard mainTenance
                                                                                                                 Top Choice Home and Lawn
                                                            800-800-8880
                                                                                                                 512-300-4177
    air condiTioninG                                        www.ahswarranty.com
                                                                                                                 www.topchoicehl.com
    Faught Service Company
                                                            First American Home Buyers Protection Corp .
    512-419-1066
                                                            512-585-4976                                         leasinG
                                                            www.homewarranty.firstam.com                         Shelley Dreiss
    aPPraisal services                                                                                           512-248-2468
    Texan Appraisal Services                                Home Warranty of America
    512-732-0686                                            512-762-3507
                                                                                                                 markeTinG
                                                                                                                 360 Promotions
    carPenTry                                               insPecTors                                           512-282-2500
    Working Hands Construction                              Nunnallee Inspections
    512-419-7650                                            512-415-5474
                                                            www.nunnalleeinspections.net
                                                                                                                 morTGaGe lendinG
                                                                                                                 Coast to Coast Mortgage Lending/Jeff Wilkinson
    cleaninG                                                                                                     512-899-2550
    Maids on Duty                                           Quality Home Inspections
                                                                                                                 www.coasttocoastmortgageonline.com
    512-287-9977                                            512-894-0404
                                                            www.qualityhomeinspections.info
                                                                                                                 Land Mortgage/David McMillan
    enerGy and safeTy audiTs                                Precision Inspection
                                                                                                                 512-498-3600
    Estimating Services Unlimited                                                                                www.themcmillanteam.com
                                                            512-282-0455
    512-924-2271                                            www.precisioninspection.biz
                                                                                                                 movinG
    floorinG                                                insurance                                            Ace Relocation Systems
    Designer Floors of Texas, Inc .                                                                              512-268-5115
                                                            Allstate Insurance/Anna Perez
    512-263-3333                                            512-263-0909
                                                                                                                 Blue Whale Moving
                                                            www.allstate.com/pguerrerojr
                                                                                                                 512-328-6688
    foundaTion rePair
    Bruecher Foundation                                     Farmers Insurance/Anna Perez
                                                                                                                 Central Transportation Systems, United Van Lines
    512-335-8867                                            512-338-0021
                                                                                                                 512-651-0155
                                                            www.farmersagent.com/aperez1

    Handyman service                                        Hausmann Insurance Agency                            PainTinG
    Fine Handyman                                           512-453-0755                                         Texas Painting Co .
    512-626-9960                                                                                                 512-339-0848
                                                            State Farm Insurance/Carmina Eaton                   www.repaintingtexas.com
    Whatever Handyman                                       512-244-6641
    512-450-2568                                            www.carminaeaton.com
                                                                                                                 PrinTinG and siGns
                                                                                                                 CC West
                                                                                                                 512-804-2299




	   10	                        Goldwasser	Team	•	Keller	Williams	Realty	•	500	N.	Capital	of	Texas	Hwy.	•	Bldg.	5,	Ste.	100	•	Austin,	TX	78746
service Providers

    roofinG
    Apple Roofing
                                                         Area Utility Providers                                       ciTy of lakeway
                                                                                                                      Electric
    512-259-7009                                                                                                      Austin Energy: 512-494-9400
    www.applersg.com                                     ciTy of ausTin                                               Pedernales Electric: 512-331-8883 / 888-554-4752
                                                         Electric                                                     Water/Sanitation
                                                                                                                      Lakeway Municipal Utility District: 512-261-6222
    Longhorn Roofing                                     Austin Energy: 512-494-9400
                                                         Pedernales Electric: 512-331-8883 / 888-554-4752             Hurst Creek Municipal Utility District: 512-261-6281
    512-478-2500
                                                         Water/Sanitation                                             Gas
                                                         City of Austin Utilities: 512-494-9400                       Atmos Energy: 800-460-3030 (choose option for new service)
    Superior Roofing                                                                                                  Telephone
                                                         Gas
    512-563-9349                                                                                                      ATT: 800-464-7928
                                                         Atmos Energy: 800-460-3030 (choose option for new service)
    www.roofingsuperior.com                              Texas Gas Service: 800-700-2443                              Cable TV
                                                         Telephone                                                    Time Warner Communications: 512-485-5555 / 800-418-8848

    saTelliTe Tv                                         ATT: 800-464-7928
                                                                                                                      ciTy of leander
    DISH Network and DIRECTV                             Cable TV
                                                         Time Warner Communications: 512-485-5555 / 800-418-8848
                                                                                                                      Electric
    512-250-3474                                                                                                      Pedernales Electric: 888-554-4732
    www.xcable.com                                                                                                    Water/Sanitation
                                                         ciTy of cedar Park                                           City of Leander: 512-259-1142
                                                         Electric                                                     Gas
    securiTy sysTems                                     Pedernales Electric: 888-554-4732                            Atmos Energy: 800-460-3030 (choose option for new service)
    ADT Blue Line Security                               TXU Energy: 800-242-9113                                     Telephone
    512-918-3474                                         Water/Sanitation                                             ATT: 800-464-7928
    www.xcable.com                                       Cedar Park Water Department: 512-258-4121                    Cable TV
                                                         Gas                                                          Cox Communications: 512-930-3085

    sePTic sysTems                                       Atmos Energy: 800-460-3030 (choose option for new service)
                                                         Telephone
    Necessary, Inc .                                     ATT: 800-464-7928
                                                                                                                      ciTy of PfluGerville
    512-445-2250                                         Cable TV                                                     Electric
                                                                                                                      TXU Energy: 800-242-9113
                                                         Time Warner Communications: 512-485-5555 / 800-418-8848
                                                                                                                      Reliant Energy: 800-218-7130
    sPrinkler sysTems                                                                                                 Water/Sanitation
    Marschall Irrigation                                 ciTy of driPPinG sPrinGs                                     City of Pflugerville: 512-251-3076
    512-844-8605                                         Electric                                                     Gas
                                                         Pedernales Electric – 888-554-4732                           Atmos Energy: 800-460-3030 (choose option for new service)
                                                         Water/Sanitation                                             Telephone
    sToraGe                                              Dripping Springs Water Supply Corp. – 512-585-7897           ATT: 800-464-7928
    1-800-PACK RAT                                       Gas                                                          Cable TV
    800-PACK RAT (800-722-5728)                          Wimberley Gas Company- 872-847-9825                          Cox Communications: 512-930-3085
    www.1800packrat.com                                  Telephone
                                                         Verizon Phone Company – 800-483-4000
                                                                                                                      ciTy of round rock
    window wasHinG                                       Cable TV
                                                         Time Warner Cable – 512-485-5555
                                                                                                                      Electric
    ATX Window Washing                                                                                                TXU Energy: 800-242-9113
    512-343-0001                                                                                                      Water/Sanitation
                                                                                                                      City of Round Rock: 512-218-5460
                                                                                                                      Gas
                                                                                                                      Atmos Energy: 800-460-3030 (choose option for new service)
                                                                                                                      Telephone
                                                                                                                      ATT: 800-464-7928
                                                                                                                      Cable TV
                                                                                                                      Time Warner Communications: 512-485-5555 / 800-418-8848




	   	                         Phone:	51-40-0300	•	Fax:	800-948-4045	•	E-mail:	info@goldwasserteam.com	•	www.GoldwasserTeam.com	                                            11
Goldwasser Team real esTaTe
                        Keller Williams Realty
500 N. Capital of Texas Hwy. • Bldg. 5, Ste. 205 • Austin, TX 78746
           512-420-0300 phone • 800-948-4045 fax
                     info@goldwasserteam.com

                  www .GoldwasserTeam .com

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Pre Buyers Guide Sample

  • 2. Home Buyer’s Guide Table of Contents THe Goldwasser Team . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 REALTOR Partners . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 Operations Team . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 BuyinG wiTH THe Goldwasser Team . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4 Your Exclusive Buyer Agent . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4 What We Can Help You Buy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5 Before We Get Started . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5 So You’re Ready to Buy a New Home . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6 Home BuyinG Process . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7 Process Diagram . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7 Tasks and Time Frames . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8 service Providers . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10 Services . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10 Area Utility Providers . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10 Goldwasser Team • Keller Williams Realty • 500 N. Capital of Texas Hwy. • Bldg. 5, Ste. 100 • Austin, TX 78746
  • 3. THe Goldwasser Team REALTOR® Partners The Goldwasser Team’s REALTOR® Partners are by far the best in the business. The team is recognized by the Austin Business Journal as the number one residential real estate sales team in the Austin metro area. The team completed 200 transactions in Chad Goldwasser 2005, doubled that in 2006, and is on track to hit 800 in 2007. Chief Executive Officer What does that mean for you? A lot of experience on your side of the negotiations in your real estate transaction. Experience alone is not enough to be successful. The entire team is dedicated to continuing education through both real estate seminars and regular in-house training. In addition, the team has earned multiple designations by studying the laws and practices of the Greg Cooper real estate industry. Vice President, Sales The Goldwasser Team holds designations in the Council of Residential Specialists; Graduate, REALTOR® Institute; Accredited Buyer Representation; and Certified Luxury Home Marketing Specialist. They are graduates of the Star Power University and attend team continuing education over five hours each week. All agents stay on top of the local Austin market by viewing and comparing properties on a daily basis. They also continually study and research industry trends to determine what the market may hold in the future. There is simply no better qualified nor better prepared team of residential real estate specialists in Austin! Operations Team With many years of experience in real estate, the team of managers assisting in the sale of your property is among the best! Countless details need special attention during a real estate transaction. Realistically, no one person can be effective in all areas of real Tara Goldwasser estate, including market research, negotiating, marketing, graphic Chief Operating Officer design, copywriting, and transaction details. Our team’s specialized managers focus solely on each phase of the real estate transaction and strive to be the best in the business at what they do. During the sale or purchase of your home, expect to be in touch with these dedicated professionals as they handle all aspects of the transaction. Phone: 51-40-0300 • Fax: 800-948-4045 • E-mail: info@goldwasserteam.com • www.GoldwasserTeam.com 3
  • 4. BuyinG wiTH THe Goldwasser Team Your Exclusive Buyer Agent There are three different ways in which you can be represented during the purchase of a new home, and none of them cost you, the buyer, any money. Then why do people often choose the worst form of representation? Usually it is due to a lack of education about the home buying process. Our goal is to be your Exclusive Buyer Agent and to assist you in making well- educated and informed decisions throughout the home buying process. You can be represented in a real estate transaction in the following ways: 1 . THe Broker/aGenT rePresenTs THe seller (Good for seller, Bad for Buyer) This is the agent who has a written agreement to sell the client’s home. In addition, if any agent shows you homes without being in a written buyer agent agreement with you, by law they are acting as a subagent to the seller and have fiduciary duties to the seller, not you! In this agreement, the buyer should not tell the agent any information he does not want the seller to know because the agent must disclose to the owner any material information they have. 2 . THe Broker/aGenT rePresenTs THe Buyer (GreaT for seller, GreaT for Buyer) This is how a buyer is represented when they have entered into a written buyer representation agreement with their Exclusive Buyer Agent. The agent must put the interests of the buyer first and foremost and will provide the buyer with any material information they have about the seller. 3 . THe Broker/aGenT acTs as an inTermediary (Good for seller, Good for Buyer) If the agent obtains written consent from both the buyer and seller in a transaction, they may act as an intermediary to the transaction. The agent must treat each party honestly and fairly and may not disclose any material information about either party to the other. The intermediary agent is in essence the “middle man.” The only way the Goldwasser Team will represent you in a transaction is as your Exclusive Buyer Agent with a written buyer agency agreement. If we didn’t, then we would be representing the seller according the Texas Real Estate Commission. 4 Goldwasser Team • Keller Williams Realty • 500 N. Capital of Texas Hwy. • Bldg. 5, Ste. 100 • Austin, TX 78746
  • 5. BuyinG wiTH THe Goldwasser Team What We Can Help You Buy Our team of Exclusive Buyer Agents will evaluate your home buying needs in our first meeting with you and will then be better prepared to assist you in your home buying search. We are highly skilled in locating the ideal home for you, whether it’s an existing home, a for sale by owner, or a new builder construction! In all three transactions our commission fees are pre-negotiated so that the seller is responsible for them, not the buyer. exisTinG Homes Once we know your wants and needs based on our initial consultation, we spend a day previewing properties that meet your criteria. We show you homes listed by any brokerage firm in the Austin area and we are able to narrow a list of hundreds of properties because of factors such as neighborhood or home features. We preview the properties first because we are able to look at several homes in the time it would take both of us to view just a couple. Other agents may make you spend your valuable time driving by homes and then telling them which homes you wish to see. Instead, we narrow the list and show you only the most well-kept homes, in the best areas, at the best value—unless you are looking for a fixer-upper, in which case we will adjust our criteria for narrowing the search. The bottom line is to save you time and money! for sale By owner We often work with homeowners who wish to sell their home themselves. In fact, many of the listings that our team takes are from people who have tried unsuccessfully to sell their homes themselves. We maintain awareness of all for sale by owner properties in the Austin area and will be happy to arrange a showing for you. In this transaction, you will continue to be represented by us with our buyer’s representation agreement. It is the seller who loses, as they complete the transaction with no professional representation. new Builder consTrucTion Many home buyers are not aware that the representatives at new construction sales centers work for the builder, and do not represent the buyer’s best interests. Our team has extensive knowledge of area builder reputations, floor plans, and lots, as well as schools, neighborhoods, amenities, and accessibility. As your Exclusive Buyer Agent, we will negotiate the purchase price on your behalf with the builder and assist you in selecting upgrades. We will work behind the scenes throughout the transaction to ensure everything goes smoothly. Before We Get Started The single most important thing for you to do before beginning your new home search is to select and meet with a mortgage lender. You can find a list of recommended lenders in the vendor list at the back of this guide. It is important to do this before we begin our search for several reasons: 1. It allows you to determine how much your monthly payment will be. 2. It helps us to determine what price range we should stay within. 3. It gives you an estimate of how much money you will need to have for the down payment and closing costs. 4. Most importantly, it helps us to negotiate from a stronger position. Phone: 51-40-0300 • Fax: 800-948-4045 • E-mail: info@goldwasserteam.com • www.GoldwasserTeam.com 5
  • 6. BuyinG wiTH THe Goldwasser Team So, You’re Ready to Buy a New Home! Monthly payment schedule based on 8% Whether this is your first home purchase or one in a line of several over the past years, we would like to provide you with some basic information up front to prepare you for your search. We APR Interest for a 30-year mortgage .* hesitate to begin this with information about what it will cost to buy your new home, but after all, money is the bottom line. We are certain you would like to be informed of what costs you will incur. loan amounT monTHly PaymenT $100,000 $ 733 four cHecks Prior To closinG $110,000 $ 807 You will need to write four checks prior to closing on your new home. All costs are average and will $120,000 $ 880 vary with the price, size, and features of your new home. $130,000 $ 953 1. Option Fee ($100–$500): Payable to seller at the receipt of the contract and credited toward $140,000 $1,027 your closing costs. $150,000 $1,100 2. Earnest Money (1% of the sales price of the home): Payable to the title company at signing of $160,000 $1,174 offer. This will be credited toward your closing costs. $170,000 $1,247 3. Inspection ($300-$500): Payable to the inspector at time of the inspection during the option $180,000 $1,320 period. $190,000 $1,394 4. Credit Check and Appraisal ($400): Payable to the lender after the option period expires. $200,000 $1,467 $210,000 $1,540 your monTHly PaymenT — PiTi $220,000 $1,614 The monthly payment on your new home will include the principle and interest on the loan you $230,000 $1,687 take out with your mortgage company. In addition, you will be responsible for paying yearly property taxes and homeowner’s insurance. If you choose, you can have your taxes and insurance $240,000 $1,761 added to your monthly payment (some loans require this), or you can pay them on an annual $250,000 $1,834 basis. The table at the right will give you an idea of the monthly payment you can expect, including $260,000 $1,907 your loan principle and interest (P I) based on a 30-year mortgage at 8% APR interest rate. Taxes $270,000 $1,981 and insurance will vary greatly depending on the area in which you live and the features of your $280,000 $2,054 home. Generally, on a $100,000 to $200,000 home, your taxes will range from $2,000 to $4,000 annually and your homeowner’s insurance will range from $300 to $800 annually. $290,000 $2,127 $300,000 $2,201 Once you have found the home you wish to purchase, your lender can complete a Good Faith $310,000 $2,274 Estimate for you that will better predict your closing costs and estimated monthly payment. $320,000 $2,348 $330,000 $2,421 $340,000 $2,494 $350,000 $2,568 $360,000 $2,641 $370,000 $2,714 $380,000 $2,788 $390,000 $2,861 $400,000 $2,935 *Monthly payments listed are principle and interest only. Taxes and insurance are additional. 6 Goldwasser Team • Keller Williams Realty • 500 N. Capital of Texas Hwy. • Bldg. 5, Ste. 100 • Austin, TX 78746
  • 7. Home BuyinG Process Process Diagram Start Phase One Start Phase Two Initial Consultation Order Mortgage Send Loan to Information about Brokerage Services Appraisal Company Underwriting Buyer’s Representation Agreement Buyer’s Packet Loan Approval Application for Credit Report Loan Pre-approval Order Title Title Survey Company Search Buyer Agent Previews Properties Buyer to Arrange for Transfer of Utilities View Active Listings Make Offer Negotiate Mortgage Company Delivers on Property Terms of Offer Final Loan Documents to Title Company Final Contract Title Company Prepares HUD 1 Statement Buyer to Arrange for Homeowner’s Insurance Buyer Brings Cashier’s Check to Closing Option Period: Home Inspection 7–10 Days Home Ownership Negotiate Repairs Amendment Option Period Expires Proceed to Phase Two Phone: 51-40-0300 • Fax: 800-948-4045 • E-mail: info@goldwasserteam.com • www.GoldwasserTeam.com 7
  • 8. Home BuyinG Process Tasks and Time Frames We go through several steps together while finding and purchasing your home. For many of these we simply tell you that the task has been completed for you; however, others may require some work from you. We inform you about every aspect of the transaction and remind you when there are tasks that you should be working to complete. The chart on the previous page shows the flow of these tasks so you can better understand the home buying process. Task: secure financinG Time frame: Before we BeGin lookinG The first step in buying a home is to obtain loan pre-approval. This provides you with the information you need to determine how much home you can afford and what type of monthly payment you are comfortable with. In addition, many sellers do not consider offers from buyers who are not pre-approved. We work with several lenders who have proven to offer exceptional customer service and competitive interest rates. A list of recommended lenders can be found in the vendor list at the back of this guide. You may use one of these, or you may choose one of your own. Three elements are crucial to the purchase of a home: the down payment, closing costs, and qualifying for a mortgage. Here is a quick rundown of what you should know: Down Payment Conventional lenders typically require a 20% down payment, although you may be able to find loans with no down payments. With down payments less than 20%, you will likely have to pay private mortgage insurance, which guarantees the lender will be repaid in case of default. Mortgages insured by the Federal Housing Administration (FHA) and those available to U.S. veterans often require very low down payments. Ask your lender if you can qualify for one of these loans. If you have trouble coming up with the down payment, there are some tips to ease the burden: • Start early. Begin saving for a down payment as soon as possible. After a few years, it adds up. • Ask for a Flex 97 mortgage, underwritten by Fannie Mae. It only requires 3% down provided that you have good credit. Also, you may be able to borrow that 3% on credit cards. • Convert stocks. Consider selling stock for the down payment. The housing market is often a better investment anyway. • Sell an asset. If you have “toys” such as a boat, extra car, or other asset, consider selling it for the down payment. • Borrow from relatives. Today lenders will allow you to use money from relatives as the down payment if it is provided as a gift. Check with your lender for restrictions. Closing Costs No matter what home you buy, there will be closing costs. These can include discount points, title insurance, escrow fees, attorney fees, a termite report, recording fees, appraisal fees, document preparation fees, notary fees, and loan underwriting fees. Usually, these are due in cash, but sometimes they can be folded into the mortgage. Loan Qualification Primarily, your income plus the interest rate secured, determines the size of the mortgage for which you qualify. The higher the interest rate, the higher the monthly payment. The higher the monthly payment, the more income you need to qualify for the mortgage. For conventional financing, lenders generally limit the monthly payment to 28% of your gross monthly income. Exceptions can be made depending on individual circumstances. The amount of debt you currently have may also factor in the decision. Contacting a lender before you make an offer on a house may be a good idea. This head start gives you a chance to resolve any problems that may arise without the pressure of contract deadlines. You can also get pre-approved for a loan, which puts you in a strong position if you make an offer on a house that receives offers from other buyers. 8 Goldwasser Team • Keller Williams Realty • 500 N. Capital of Texas Hwy. • Bldg. 5, Ste. 100 • Austin, TX 78746
  • 9. Home BuyinG Process Task: insPecTion Time frame: aT accePTance of offer Upon acceptance of your offer, you will arrange for an inspection of the property. This needs to be completed during the option period so that if something is discovered during the inspection (that you cannot live with and the seller is not willing to fix), you may cancel the contract and only forfeit your Option Fee. The enclosed vendor list provides a list of inspectors licensed by the Texas Real Estate Commission (TREC). The inspection will take two to four hours and you will only need to be present for the last half-hour when the inspector reviews the findings with you. All homes have a long list of minor repairs. However, we are mainly looking for major mechanical or structural defects to the property. The cost of the inspection varies based on the size and features of the home and will range from $300 to $500. This payment is due at the time of the inspection. Task: PrePare amendmenT Time frame: immediaTely followinG insPecTion After the Inspection, we will complete an amendment to the contract. This amendment will include any items that were discovered during the inspection that you would like the seller to repair for you. The amendment will then be negotiated between you and the seller, much like the contract was. Once an agreement on repairs to be completed has been reached, you will forfeit your right to the Option. Task: oBTain Homeowner’s insurance Time frame: durinG oPTion Period In order to close on your new home, you need to arrange for Homeowner’s Hazard Insurance. You will need to notify your lender of the insurance company you choose, a contact name, and a phone number. The enclosed vendor list provides names of insurance agents that our clients have used in the past and have been very satisfied with. You may receive a discount by having your car insurance and homeowner’s insurance with the same company, so check with your current insurance agent as well. We recommend that you obtain at least two estimates from different agents and then make a decision. Task: Transfer uTiliTies and scHedule services Time frame: Two weeks Prior To closinG You will need to transfer the utilities to your name before moving into your new home. In order to save money on hook-up fees, call ahead and ask the utility companies to transfer the billing to your name upon cancellation by the seller. In the enclosed vendor list you will find most utility information for Austin and surrounding areas. If you need further information, please don’t hesitate to call us; we are here to help you. Task: funds availaBle in THe Bank and ensure loan QualiTy Time frame: 72 Hours Prior To closinG Obtaining pre-approval for a home loan is just the first step in funding your loan at closing. Many times buyers plan to use monies from stocks or 401(k) retirement plans as down payment on their new home. If you plan to liquidate stocks or 401(k) to supplement your down payment, the money from the sale of these funds must be available in the form of cash in your bank account at least 72 hours prior to closing. Because a withdrawal from a 401(k) can be a complicated and time-consuming process, we advise you to begin the withdrawal of these funds immediately. On average, one out of five home mortgage loans goes through a quality control check. The lender does this to ensure that the borrower’s financial status has had NO CHANGE since the approval of the loan was granted. No matter how good your financial situation is, lenders strongly advise against changing your financial status from the date of your loan approval. This includes, but is not limited to, applying for new credit, gaining new credit, purchasing appliances, furniture, cars, changing jobs or quitting your job. An appropriate time to make any of the above financial changes would be after the closing and funding of your new home. If you have any questions about your purchase decisions while you are waiting to close on your new home, please consult your mortgage lender for advice. Task: Hud 1 Time frame: one day Prior To closinG One day prior to closing, or sometimes just hours prior to closing, the title company will complete the HUD 1. This is the document that tells us how much money the buyer needs to bring to closing. We will call you with this amount and to tell you the location of the closing. You will then have a cashier’s check made out to the title company in the correct amount according to the HUD 1. Bring this check along with your driver’s license to closing on the specified day. Task: closinG Time frame: day of closinG You will receive keys to your new home from the seller when the loan funds. You may be able to begin moving in immediately following closing, although some sellers may require that funding go through before you may take possession. Funding usually happens by the end of the business day. The closing will take approximately one hour. Phone: 51-40-0300 • Fax: 800-948-4045 • E-mail: info@goldwasserteam.com • www.GoldwasserTeam.com 9
  • 10. service Providers Services Home warranTy comPanies Allied Home Warranty Junk removal Junk Busters USA 512-736-9022 512-249-5500 accounTinG www.alliedhomewarranty.com Egon Stockenbojer 512-450-0344 American Home Shield landscaPinG and yard mainTenance Top Choice Home and Lawn 800-800-8880 512-300-4177 air condiTioninG www.ahswarranty.com www.topchoicehl.com Faught Service Company First American Home Buyers Protection Corp . 512-419-1066 512-585-4976 leasinG www.homewarranty.firstam.com Shelley Dreiss aPPraisal services 512-248-2468 Texan Appraisal Services Home Warranty of America 512-732-0686 512-762-3507 markeTinG 360 Promotions carPenTry insPecTors 512-282-2500 Working Hands Construction Nunnallee Inspections 512-419-7650 512-415-5474 www.nunnalleeinspections.net morTGaGe lendinG Coast to Coast Mortgage Lending/Jeff Wilkinson cleaninG 512-899-2550 Maids on Duty Quality Home Inspections www.coasttocoastmortgageonline.com 512-287-9977 512-894-0404 www.qualityhomeinspections.info Land Mortgage/David McMillan enerGy and safeTy audiTs Precision Inspection 512-498-3600 Estimating Services Unlimited www.themcmillanteam.com 512-282-0455 512-924-2271 www.precisioninspection.biz movinG floorinG insurance Ace Relocation Systems Designer Floors of Texas, Inc . 512-268-5115 Allstate Insurance/Anna Perez 512-263-3333 512-263-0909 Blue Whale Moving www.allstate.com/pguerrerojr 512-328-6688 foundaTion rePair Bruecher Foundation Farmers Insurance/Anna Perez Central Transportation Systems, United Van Lines 512-335-8867 512-338-0021 512-651-0155 www.farmersagent.com/aperez1 Handyman service Hausmann Insurance Agency PainTinG Fine Handyman 512-453-0755 Texas Painting Co . 512-626-9960 512-339-0848 State Farm Insurance/Carmina Eaton www.repaintingtexas.com Whatever Handyman 512-244-6641 512-450-2568 www.carminaeaton.com PrinTinG and siGns CC West 512-804-2299 10 Goldwasser Team • Keller Williams Realty • 500 N. Capital of Texas Hwy. • Bldg. 5, Ste. 100 • Austin, TX 78746
  • 11. service Providers roofinG Apple Roofing Area Utility Providers ciTy of lakeway Electric 512-259-7009 Austin Energy: 512-494-9400 www.applersg.com ciTy of ausTin Pedernales Electric: 512-331-8883 / 888-554-4752 Electric Water/Sanitation Lakeway Municipal Utility District: 512-261-6222 Longhorn Roofing Austin Energy: 512-494-9400 Pedernales Electric: 512-331-8883 / 888-554-4752 Hurst Creek Municipal Utility District: 512-261-6281 512-478-2500 Water/Sanitation Gas City of Austin Utilities: 512-494-9400 Atmos Energy: 800-460-3030 (choose option for new service) Superior Roofing Telephone Gas 512-563-9349 ATT: 800-464-7928 Atmos Energy: 800-460-3030 (choose option for new service) www.roofingsuperior.com Texas Gas Service: 800-700-2443 Cable TV Telephone Time Warner Communications: 512-485-5555 / 800-418-8848 saTelliTe Tv ATT: 800-464-7928 ciTy of leander DISH Network and DIRECTV Cable TV Time Warner Communications: 512-485-5555 / 800-418-8848 Electric 512-250-3474 Pedernales Electric: 888-554-4732 www.xcable.com Water/Sanitation ciTy of cedar Park City of Leander: 512-259-1142 Electric Gas securiTy sysTems Pedernales Electric: 888-554-4732 Atmos Energy: 800-460-3030 (choose option for new service) ADT Blue Line Security TXU Energy: 800-242-9113 Telephone 512-918-3474 Water/Sanitation ATT: 800-464-7928 www.xcable.com Cedar Park Water Department: 512-258-4121 Cable TV Gas Cox Communications: 512-930-3085 sePTic sysTems Atmos Energy: 800-460-3030 (choose option for new service) Telephone Necessary, Inc . ATT: 800-464-7928 ciTy of PfluGerville 512-445-2250 Cable TV Electric TXU Energy: 800-242-9113 Time Warner Communications: 512-485-5555 / 800-418-8848 Reliant Energy: 800-218-7130 sPrinkler sysTems Water/Sanitation Marschall Irrigation ciTy of driPPinG sPrinGs City of Pflugerville: 512-251-3076 512-844-8605 Electric Gas Pedernales Electric – 888-554-4732 Atmos Energy: 800-460-3030 (choose option for new service) Water/Sanitation Telephone sToraGe Dripping Springs Water Supply Corp. – 512-585-7897 ATT: 800-464-7928 1-800-PACK RAT Gas Cable TV 800-PACK RAT (800-722-5728) Wimberley Gas Company- 872-847-9825 Cox Communications: 512-930-3085 www.1800packrat.com Telephone Verizon Phone Company – 800-483-4000 ciTy of round rock window wasHinG Cable TV Time Warner Cable – 512-485-5555 Electric ATX Window Washing TXU Energy: 800-242-9113 512-343-0001 Water/Sanitation City of Round Rock: 512-218-5460 Gas Atmos Energy: 800-460-3030 (choose option for new service) Telephone ATT: 800-464-7928 Cable TV Time Warner Communications: 512-485-5555 / 800-418-8848 Phone: 51-40-0300 • Fax: 800-948-4045 • E-mail: info@goldwasserteam.com • www.GoldwasserTeam.com 11
  • 12. Goldwasser Team real esTaTe Keller Williams Realty 500 N. Capital of Texas Hwy. • Bldg. 5, Ste. 205 • Austin, TX 78746 512-420-0300 phone • 800-948-4045 fax info@goldwasserteam.com www .GoldwasserTeam .com