Exclusive Buyers Agents

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NOTICE: Some areas are not served by an Exclusive Buyer's Agent. In some other cases there may be an Exclusive Buyer's Agent in the area but from my personal experience with those agents I would not personally use their services to buy a home. In either of these cases I will locate a qualified Buyer's Agent (may not be an Exclusive Buyer's Agent) for you from my database of Buyer's Agents who work in agencies that take listings. I would never recommend an agent who I would not personally use.

I would like more information about buying a home in: ( * Required Fields )

Desired City: Required
State Required
Preferred areas
or neighborhoods
E-Mail Address Required
Confirm Email Required
First Name Required
Last Name Required
Present Address
Apt. or Suite Number
City
State
Zip Code
Phone Home Phone Cell phone

How do you prefer we contact you? Office Phone Home Phone Cell PhoneE-Mail

When is the best time for an Agent to call you? Morning Afternoon Evening

Are there children in the family?
None 1 2 3 4 or more children

What school options are important?
K-6 7-9 10-12 College, University, or Other School

When are you planning to buy?
As soon as possible
1 to 3 months
3 to 6 months
6 to 12 months
When present home is sold
Undecided

Is this a work related move?
Company Relocation New Job Considering moving and need more information.

Have you Qualified or Pre-Qualified for a mortgage?
Pre-Qualified Qualified (Loan is fully approved) Have not applied for a mortgage yet

What price range do you prefer?
$75,000 to $100,000
$100,000 to $125,000
$125,000 to $150,000
$150,000 to $200,000
$200,000 to $250,000
$250,000 to $300,000
$300,000 to $350,000
$350,000 to $400,000
Other (Please Specify)

How many Bedrooms? (Check all that apply)
1 Bedroom 2 Bedrooms 3 Bedrooms 4 or more Bedrooms

How many Bathrooms? (Check all that apply)
1 Bathroom 2 Bathrooms 3 or more Bathrooms

Any other preferences? (Check all that apply)
Single Family Home
Duplex
Condo/Townhouse
Weekend Home
Wheelchair Accessible
Other: (Please Specify)

Looking for rental property? Unfortunately, I don't work with rental properties. However, for only a little bit more, you might be able to get a wonderful Condominium or a small home. Your first and last months rent and the security/insurance deposit could cover your down payment. The seller could pay a portion of your closing costs and you would be building equity instead of paying for someone else's property. If you are interested in that option, feel free to contact me.

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Tips For Home Buyers

How Much Home Should You Buy?

You may have heard a real estate Agent or someone else say, "Always buy the biggest home you can afford. It is a good investment and the larger the investment the larger the return on investment will be".

But is that good advice for you? Maybe, maybe not.

When deciding to buy a home the first thing you need to do is get a loan. Yes, get the loan before you shop for homes. The lender will give you a letter stating how the maximum amount they will lend you given your income, debts, and the amount of cash available for down payment and closing costs.

Now that you know the maximum amount you can borrow and what the monthly payment will be on that amount, ask yourself some questions about your "comfort level". We all have a different comfort level when it comes to debt.

Some things that affect each individuals comfort level are:

Do I worry a little or a lot about money I owe?

Am I comfortable that my job is secure and my income will be stable for the next few years?

Do I reasonably expect to have a considerably larger income in the near future?

Am I willing to change my lifestyle (travel less, eat out less often, keep our car for a few more years) in order to make a house payment?

Think about all of that and then decide what payment you are comfortable with. If it is the maximum amount the lender has stated, fine. But if it is less than that amount, then buy less home.

The new home should be a place of comfort, not a place to sit in and worry about how you are going to pay for it!

Besides, you can always "move up" later if you situation or comfort level changes.

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John J. Rygiol, Broker/Owner.
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