with HUFF RealtyBUYING

local.trusted.relevant

HUFF.com

local.trusted.relevant

HUFF.com

,

Founded in 1975, HUFF Realty has grown steadily in the tri-state for more than 35 years. Our solid reputation of local experience, skills, knowledge and service lends respect and credibility to our entire team.

As with any important decision, using the expertise of a skilled professional will minimize your risks and increase your opportunities. As a trained HUFF Realty sales associate I will guide you through every step of the home buying process by providing comprehensive real estate and �nancial services that begin well before the sale and survive long after the closing.

Full service, one-stop-shop, real estate brokerage for home buyers.

MORTGAGE WARRANTYINSURANCETITLEREAL ESTATE

Sharon Hemsath, REALTOR®

Mobile: 859-578-3908Email: SHemsath@huff.comWebsite: www.SharonHemsathSells.com334 Beechwood Road, Suite 200 Ft. Mitchell, KY 41017

As with any important decision, using the expertise of a skilled profession-al will minimize your risks and increase your opportunities. As a trained HUFF REALTY sales associate I can guide you through every step of the home buying process.

HUFF agents are empowered to be productive, compassionate, courte-ous and competent real estate professionals serving our community. We build long term relationships based on superior customer care by provid-ing comprehensive real estate and financial services that begin well before the sale and survive long after the closing.

Sharon Hemsath REALTOR®

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INSPECTIONSThere may be issues found in the inspection that are hidden from normal observation. These issues may be minor or they may be major enough for you to cancel your outstand-ing offer to purchase and begin looking for another home.

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“Finding a homeis NOT a selection process...it is an elimination process.”

NEGOTIATIONSNot all buyers and sellers are thinking exactly the same when it comes to transferring legal ownership of a home. In the end, negotiations are a NORMAL part of the buyer's journey.

COUNTER OFFERAs the buyer, you make the first step with your initial offer to purchase at the price you deter-mine and other conditions you may want. It is FAIR and REASONABLE for the seller to make a counter offer back to you.

ACCEPTED OFFERAt some point in the offer/negotiation/counter offer process the buyer and seller agree with each other.

MEET WITH MEOur journey begins with meetings to establish rapport, wants/needs, and counseling about the buying process. Our collective goal at HUFF Realty is to lead, teach & serve you through the buyer's journey.

MORTGAGE PRE-APPROVALWhen you get a mortgage pre-approval then you have more negotiation power during the buying process and you learn the price range to focus your home search upon.

VISIT HOMESMost buyers, 90% of them according to national statistics, use the internet as a resource to look for homes. We have several tools, including mobile options, to help you look for homes.

IDENTIFY “THE ONE”At some point, through a process of elimina-tion, you will find a home which closely match-es the wants and needs you have come to identify in your home search. We are here to help guide you through the sometimes complex process of real estate.

WRITE OFFERWriting an offer is your official response to the seller of the home that you are interested in becoming the next owner.

REPAIR REQUESTS (if any)It is FAIR and REASONABLE for you, the buyer, to ask that repairs be made after the home is inspected. Most sellers will do the repairs.

APPRAISALBanks, mortgage companies, and cash buyers often require an independent review of the value of the home or property being purchased. This is a NORMAL part of the buyer's journey.

SCHEDULE CLOSINGOnce the financing and inspection phase is complete, a closing date is set for the parties involved to sign the official legal paperwork and transfer of money between parties.

FINAL WALK-THRUAs a buyer, you want to have a final walk-thru before you sign the papers.

TAKE POSSESSIONThis is where you take the keys you got at closing and walk into your new home or property as the new legal owner. CONGRATULATIONS... this is the American dream..

TITLE WORKBanks, mortgage companies, and cash buyers want to know that the legal property they think they are purchasing is correctly identified and clear of all legal liens.

CLOSINGThis is where you meet to sign the legal papers to transfer ownership & write checks for any monies due at closing. This is where you get to move forward towards the life you want for yourself and your family members.

DECISIONS/PRE-APPROVAL OFFERS/NEGOTIATIONS FINANCING/INSPECTIONS CLOSING/POSSESSION

BUYING WITH HUFF REALTY

67%

33%

RepeatBuyers

First TimeBuyers 42%24%

18%

WHAT BUYERS SAID ABOUTTHE MORTGAGE PROCESS:

not di�cult/nomore di�cultthan expected

easier thanexpected

somewhat moredi�cult thanexpected

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14% 27% 24% 15% 10% 9%

SIZE OF HOME PURCHASED

TYPE OF LOANS BUYERS CHOSE:

Conventional loan 57%

FHA loan 26%

VA loan 10%

Broken down by percentage of buyersSOURCE: NATIONAL ASSOCIATION OF REALTORS®

© 2015 HUFF Realty. All rights reserved.

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A BUYER’S JOURNEY