How We Work

Buyers

Services

Buyer Counselling

Comprehensive Search

Expert Negotiation

Property Analysis

Transaction Management

Contractor Education

Steps

Understand Your Financial Situation

We'll discuss the amount of funds you are comfortable spending and commit to a budget. You will work with your lender and consider your assets, debt, down payment, and spending habits. We will also review mortgage options, potential tax savings, and programs for first-time homebuyers and investors.

Review Market and Economic Data

Review the current state of the real estate market in the areas where you’d like to buy. We will walk you through current and historical pricing, market trends, and other economic data including the supply and demand specific to your area.

Find The Home That Feels Right to You

By utilitzing the SMARTMLS data base, we can access all listed homes in CT. We'll explore your best buying options and come up with a tour schedule that works for you. When a property feels right, we'll start our due diligence phase which will extend through the offer, inspection and contract development phases.

Make a Written Offer

Offers should be complete, compelling, and competitive. A typical offer includes: a preapproval, signed disclosures, binder funds of 1%, purchase price, mortgage contingency, inspection contingency, funds required at contract, funds to be brought to closing, and your desired closing date.

Finalize Offer Terms

Once your offer is verbally accepted by the seller, we will work with you to prepare a written statement of terms that we will share with your attorney. The seller's attorney initiates the first draft of the contract which can have many riders or reiterations. Your attorney will work with the seller's attorney to develop a final contract for your review and signature.

Apply For Financing

Steps required to obtain a loan include: preapproval, underwriting, appraisal, commitment and funding. I will work closely with your lender to ensure we meet the contractual deadlines for each phase. By meeting deadlines, we can avoid penalties

Complete Inspections

You are responsible for scheduling and attending your inspection. However, I will assist you every step of the way. I provide a list of inspection companies and help you address newly discovered issues or defects in the home.

Sign and Execute the Contract

Contracts are generally signed within 10 business days of an accepted offer. It is sent with a check from the buyer for 10% of the purchase price (less the 1% earnest money) to the seller’s attorney to be signed by the seller. In CT, once a contract is fully executed, the property goes off the market.

Purchase Insurance and Start Preparing to Move

Insurance is usually required by your lender. Around this time, you should also be exploring moving company options. It can take weeks to schedule a move date so plan early.

Walk-through and Closing

Just before closing, we will help you get receipts for any work promised to be completed by the seller. We will also provide a list of service providers so you can set up your new utility accounts. On the closing day, we will do a walk-though to confirm the property is in acceptable condition before you get to the closing table.

The time to complete all the steps that lead up to your closing from the accepted offer date to the closing date is generally 45-60 days. Longer terms can be negotiated. However, sellers generally want transactions to close as quickly as possible.

Sellers

Services

Property Evaluation

Home Preparation & Contractor Mgmt

Staging

Global Marketing

Negotiation

Transaction Management

Steps

Home, Preparation and Staging

Cleanliness, maintenance and staging are critical for effective and powerful photos. Photos make the first and often the only impression a prospective buyer might have of your home.

Information Gathering

Buyers pay more when they perceive sellers are meticulous and organized. It is important to communicate all differentiating details about your home including the history of your home, recent updates, your best views and unique features about your home and neighborhood.

Market Research and Touring

Review recently sold home data before you commit to a list price. Often touring competitive properties will give you a more complete idea of what buyers are looking for and what alternative options are available.

Listing Agreement

The listing agreement covers the terms for marketing your home. It includes the duration of the listing, the expected services to be delivered, and the commission that will be paid to the listing and sales agents.

Seller Disclosures

There are several seller disclosures required in Connecticut. Sometimes these disclosures can be waived in lieu of a fee that is paid. Typical disclosures include the property disclosure, mold disclosure and a list of inclusions and exclusions.

Marketing

There are dozens of activities required to conduct an effective marketing program. I will develop and review your marketing plan with you in the early stages of your transaction. I will also provide frequent updates along the way.

Showings

There are a number of factors that should be discussed before we show your home. These can include baby nap times, security, safety, contractors, pets, preferred hours for tours and many other issues that can impact your experience. We will take the time to ensure all bases are covered.

Market Reviews

Throughout the entire transaction, I will make sure you stay up-to-date on key market indicators and recently sold properties that are similar to yours.

Offers and Negotiations

It's important to review all aspects of offers and keep in mind, that price is only one part of a great offer. Items such as closing date and financing terms should always be considered when reviewing and comparing offers.

Accepted Offers & Inspections

Inspections allow buyers to discover items that were previously unknown. I will help you address newly discovered issues or defects that result from inspections. Often after an inspection, new terms have to be negotiated and added to the contract.

Contracts

Contracts should be carefully reviewed by you and your attorney to make sure that the terms reflect the deal that I negotiate with the buyer's agent.

Escrow and Closing

We will make sure you and your buyer have all the information you need for a smooth closing and transition. I will manage the transfer of utility and home service provider information so that closing is as smooth as possible for both parties.

Investors

Services

Buyer Counselling

Comprehensive Search

Expert Negotiation

Property Analysis

Transaction Management

Contractor Education

Pro forma Training

Renovation & Tenant Management

Commercial Sales and Leasing

Steps

Understand Your Financial Situation

Determine the amount of funds you are comfortable spending, the amount of debt you are willing to take on, and your cash on hand to complete the transaction and invest in renovations. Consider HDF investor programs and potential tax savings.

Build Your Team

Successful investors develop trusted networks to help minimize risk and maximize returns. I will help you access or build the team that works for you.

Learn How to Analyze a Real Estate Investment and Commit to an Investment Approach

Review the best ways to analyze a real estate investment and choose the approach that works for you. I will share the pro formas that are typically used by the savviest investors so everyone on your team is commited to your investment objectives.

Find The Property That Meets Your Investment Criteria

Every Realtor in CT has access to all SMARTMLS listings. However, only experienced agents undertstand the best strategies for locating investment properties. When a property meets your investment return objectives, I will help you do your due diligence. I recommend contractors and other tradespeople to inspect and provide renovation estimates.

Make a Written Offer

Offers should be complete, compelling, and competitive. The offer includes: a preapproval, binder funds of 1%, the purchase price, a mortgage contingency, any other contingencies such as an inspection contingency, contract funds, funds to be brought to closing and desired date to close.

Finalize Offer Terms

Once your offer is verbally accepted by the seller, I will share the terms with your attorney. The seller's attorney initiates the contract preparation process and your attorney reviews a draft. There can be several draft contracts for review before the final version is fully executed.

Apply For Financing

You can apply for financing before or after your contract is executed. The timing depends upon your source of funds. If you are leveraging hard money, you can work on your funding well before you find the right property. Most lenders will order an appraisal as part of the underwriting process.

Complete Inspections

You are responsible for scheduling and attending your inspection. I provide clients with a list of inspection companies to choose from. I will also negotiate any requests resulting from the discovery of new issues during the inspection. Negotiation is only expected if there is an inspection contingency.

Sign and Execute The Contract

The contract of sale is prepared by the seller's attorney. It is generally signed within 10 business days of the accepted offer. Buyers are typically required to present 10% of the purchase price (less the 1% earnest money) to fully execute the contract.

Purchase Insurance

Insurance is usually required by your lender. Around this time, you should also be creating a plan and schedule for renovations, flipping, or renting out your new property. It can take weeks or months to complete substantial renovations, so start planning as soon as possible.

Walk-through and Closing

You can generally set up your utilities on the day you close. Once the walk-though is complete and acceptable, you are ready to close. I provide a list of service and utility providers and new utility accounts should be effective on the closing day. You will also get receipts for any work promised to be completed by the seller upon closing.

The time to complete all the steps that lead up to your closing from the accepted offer date to the closing date is generally 45-60 days. Longer terms can be negotiated. However, sellers generally want transactions to close as quickly as possible.

Renters

Services

Renter Counselling

Rent vs Buy Analysis

Comprehensive Search

Expert Negotiation

Property Analysis

Transaction Management

Lease Renewal & Review

Renter Rights Education

Steps

Understand Your Financial Situation

Determine what you are comfortable spending. Your income, savings, credit, debt, and spending habits should be considered.

Optimize Your Position

Identify your renter profile strengths to help achieve a competitive advantage over other renters in your price range.

Explore Your Options

Review the types of properties available in your price range and the pros and cons of each. Get up-to-speed on the current state of the rental market with historical pricing data, market trends, and other economic data that I can provide.

Tour Properties

Every Realtor in CT has access to all SMARTMLS listings. I will create your rental tours based on your preferences and my extensive knowledge of local properties and neighborhoods.

Make a Written Offer

Offers should be complete, compelling, and competitive. The offer includes an application, a credit report, rental terms, and references. Often a deposit check is required as well.

Execute Your Lease

Once your offer is verbally accepted, the landlord will prepare your lease and require the first month’s rent and a security deposit to execute it. Renters insurance and move fees are also generally required in CT.

Walk-through & Utilities

Before you move into your new apartment, it is important to complete a walk-through to document its condition. Take photos and provide a written statement of condition if there is anything damaged, inoperable or in disrepair. If your utilities are not included in your rent, now is the time to set them up. Local providers are listed in our "Resources" section.

You can generally set up your utilities on the day you close. Once the walk-through is complete, we will alert your attorney that you are ready to close. I provide my clients with a list of service and utility providers. Your new utility accounts should be set up and effective on the closing day. You will also get receipts for any work promised to be completed by the seller upon closing.

 

The time to complete all the steps that lead up to your closing from the accepted offer date to the closing date is generally 45-60 days. Longer terms can be negotiated. However, sellers generally want transactions to close as quickly as possible.

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