Marianne Holt Buyer packet

YOUR GUIDE to a Stress-Free Property Purchase

Higgins & Welch Real Estate, Inc.709 Bethlehem Pike

Eerdenheim, PA 19038 215-247-5000

welchgroup.net

http://welchgroup.net

Marianne Holt Higgins & Welch Real Estate, Inc.

709 Bethlehem Pike Erdenheim, PA 19038 215-247-5000, Ext. 169

cell- [email protected]

HIGGINS & WELCH REAL ESTATE, INC. welchgroup.net

mailto:[email protected]


Higgins & Welch Real Estate Buyers Guide

Thank you for the opportunity to let us represent you in the purchase of your new home. I think of my clients as individuals with specific needs. With this in mind, my team and I strive to give you exceptional service. In response to the more challenging market we have experienced over the years, we have become more determined and assertive with marketing and technology. This has allowed us to be very successful in securing results for our clients.

This is absolutely a great time to be a buyer. Timing is everything and here are 4 reasons to confirm your decisions to buy.

• Interest rates are still at historic lows. Expect to get a great mortgage with a rate below 5%.

• Prices haven’t peaked in many markets.(rising quickly!)

• Sellers are negotiable and cooperating with what it takes to sell their home. This is also changing as we transition into a seller’s market.

• The first step to purchasing a home is to select the right Realtor to effectively and profitably represent your interests.

Thank you for the privilege of allowing my professional team members to show you the best possible listings available.

ENCLOSED PLEASE FIND:

1. The Home Buying Process

2. Preparing for the Lender

3. Do’s & Don’ts During the Loan Process

4. Looking for the Right House

5. What to Expect from this Market

6. What to Expect When Making an Offer

7. Summary of Closing Costs/ Taxes/Home Inspection

8. Packing and Moving

9. Buyer Questionnaire



Buying a house is one of the biggest finanical decisions that you will make. You need a Realtor that you can trust to guide you step by step through the process, someone who will demonstate an unwavering committment to ensuring you find the right home.

With divisions in Sales, Appraisals, Consulting and Property Management, Higgins & Welch Real Estate, Inc. serves a diverse clientele throughout the Greater Philadelphia Metropolitan Region. Our team of dedicated professionals possesses the experience and tools to support each of our clients – individuals, businesses, financial institutions, law professionals, municipalities, government entities – with comprehensive, efficient and effective service.

Family-owned and operated Higgins & Welch traces its roots to the 1970s, when H.H. Higgins REALTOR, Inc, first opened its doors in the East Falls section of Philadelphia. Today, we proudly support our customers with complete, results-focused expertise in sales and negotiation, valuation, property management and other real estate related activity. In every aspect of our work, our team remains dedicated to servicing with integrity, enthusiasm and the highest level of professionalism.

Higgins & Welch Real Estate, Inc. and its REALTORS offer buyer and seller representation for both residential and commercial property, as well as a wide array of consulting and development services in Pennsylvania and New Jersey.

Higgins & Welch has been recognized and honored by both the University of Pennsylvania’s Wharton School of Business and the Philadelphia Business Journal.

In 2009, we ranked 25th of the top 100 fastest growing privately held Philadelphia businesses, from more than 800 nominees. Again,we had the honor of being ranked 9th in 2010 and 37th in 2011. In 2014, we received an Honorable Mention.


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http://www.welchgroup.net/sales/

http://www.welchgroup.net/appraisals/

http://www.welchgroup.net/property-management-services/

http://www.welchgroup.net/consulting/


Signing A Buyer Representation Agreement When working with a Realtor®, it is important to understand who the Realtor® represents and to whom he or she is legally obligated. Establishing a representation relationship does just that.

If the buyer and the seller have written agreements with their own representatives, it means that they each have a Realtor® who is working for them.

If a buyer chooses to contact the seller’s representative directly, the Realtor® is working for the seller and must do what is best for the seller; however, the Realtor® may still provide many valuable services to that buyer.

If the buyer and seller have written agreements with the same Brokerage, it is a multiple representation relationship and the Realtor® is representing both the seller and the buyer.


“The team at Higgins and Welch helped us sell our house in 2013. They were very helpful

throughout the entire process, offering experience and expertise throughout. That continues as they

help us search for our next home. Thanks!”

-Pat Haskin


A real estate Brokerage acting as a ‘buyer’s representative’ must do what is best for the buyer. A written contract, called a Buyer Representation Agreement, explains the services the Realtor® will provide, establishes a fee arrangement for the services of the Realtor® and specifies what obligations a buyer might have.

Typically, buyers will be obliged to work exclusively with that Brokerage for a specified length of time, as outlined in writing on the Buyer’s Representation Agreement.

Confidences shared with the buyer’s representative must be kept confidential. However, a seller working with a buyer’s representative can expect to be treated fairly and honestly.

Forms Of Relationships

A real estate Brokerage acting as a ‘seller’s representative’ must do what is best for the seller. A written contract, called a Listing Agreement or Seller Representation Agreement, outlines what the Realtor® will provide, establishes a fee arrangement for the services of the Realtor® and specifies what obligations a seller may have.

A seller’s representative must inform the seller of anything he may know about the buyer. For instance, if a seller’s representative is aware that the buyer is willing to offer more for a property, that information must be shared with the seller.

Personal confidences that a seller shares with his representative must be kept confidential from potential buyers and others. However, a buyer working with a seller’s representative can expect fair and honest service from the seller’s representative and disclosure of pertinent information about the property.

The Buyer’s Agency

The Seller’s Agency

Occasionally, a Realtor will be the representative of both the buyer and the seller. Under this ‘dual agency’ arrangement, the Realtor® must do what is best for both clients.

Since the Realor’s loyalty is divided between the buyer and the seller, who have conflicting interests, it is absolutely essential that a multiple representation relationship be established in writing.

Dual Agency



Cancellation Policy Entering into a Buyer Representation (Listing) Agreement with a Brokerage can be intimidating. Most representation agreements can be long-term commitments – but what if your Realtor® doesn’t perform as they promised?

Higgins & Welch Real Estate offers you a way to retain your own representative – that is totally risk-free.

Your right is to evaluate whether we live up to your expectations and to be able to cancel your Representation Agreement at any time should we fail to deliver the services we promised. Prior to cancelling our Agreement, we will assist you in transferring your Agreement to a Brokerage of your choice.

Buyer Confidences & Final Decisions

Higgins & Welch Real Estate offers an exclusive buyer-client service. We maintain all buyer confidences at all times, unless you expressly consent to disclosure or it is required by law. We give advice; however, experts are used whenever possible and we always make it clear that the final decision is yours.

Buyer Counseling Meetings

When the decision is made to consider purchasing a house, the first step we recommend is to have a Buyer Counseling Session.

The purpose is to: 1. Review and compile a list of your wants and needs 2. Evaluate your financial capabilities and options 3. Establish negotiating strategy 4. Provide a list of experts that you may consult with 5. Discuss the value of a survey and title insurance 6. Review costs associated with buying 7. Assist with determining ways to save you money 8. Outline the benefits of having your own representation 9. Explain in detail the Buyer Representation Agreement



Shopping For The Right Financing Many institutions – banks, trust companies, credit unions and finance companies – lend money for mortgages. However, their terms and options will vary. Selecting the right one for you can save you thousands of dollars during the life of your mortgage.

The best way to make certain you are getting the mortgage that best fits your needs is through a mortgage broker. We can refer you to reputable mortgage specialists to discuss your financing options.

While some buyers would like to view houses before they meet with a mortgage specialist, we recommend that our clients seek mortgage pre-approval first. By pre-

qualifying before you start looking at houses, you will have a better

understanding of what price range you should be shopping in and will also be in an excellent position to act quickly once

you have found your dream home.

Pre-qualifying For A Mortgage

How Much Can You Afford?

• Monthly housing costs (including mortgage principle and interest, taxes and utility expenses as well Association fees – if applicable) should be NO more than 32% of your gross household monthly income.

• Your monthly debt load including housing expenses should be NO more than 40% of your gross monthly income.

Note: These ratios may sometimes vary among lenders or on your personal circumstance.

Mortgage Basics

Principal: The amount of money you need to borrow is usually the difference between the selling price of your property (if you currently own a house) and the down payment.

Interest: The amount you will pay for borrowing money.

Mortgage Payment: A regular installment is usually made up of principal and interest by which you repay the mortgage over its term to maturity.

Amortization Period: The actual number of years it will take to repay the entire mortgage, generally a period anywhere between 15 and 25 years.

Term: The length of time that a specific mortgage agreement covers, generally being between 15 and 30 years. When the term matures or becomes due, the balance of the mortgage is generally re-negotiated for another term at prevailing rates and conditions in effect at that time.

Equity: The difference between the selling price and the outstanding amount of all mortgages and any other liens relating to the property.




Preparing for the Lender

Personal Information

-Full names of all purchasers as they are to appear on the title.

-Social security numbers of all purchasers.

-Present residence address for all purchasers.

-Previous address for all purchasers going back two years if they have not resided in the present home for two years.

-Home, office, cell phone numbers.

Employment Information

-Present Employer: Name, address and a contact person to send employment verification form.

-Explanation for any gap during 2 year history

-Relocation letter for any transferees-given date, salary, new location, and any relocation benefits.

-Previous Employer: Name, address, and contact person, going back 2 years if not in present job 2 full years.

-Present Salary: Year to date pay stub and last 2 years’ W-2s

-If any variable income, commission, part-time income, bonus, overtime, interest income, etc., is being used to qualify: 2 years’ signed federal individual and corporate returns (if applicable), Also a profit and loss statement and balance sheet.

-Diploma or transcript if student during 2 year period.

Other Income

-Rental Income: Copy of lease which is current and at least one year in length.

-Alimony and Child Support (only if used for qualification): Copy of divorce decree and property settlement (ratified) setting out terms. Proof of payment will also be requested at application.

-Income From Notes Held: A copy of the ratified note.

-Retirement, Social Security and disability Income: Copy of award letter and latest check showing amount of present payment. Copy of end of year statement, if applicable.


Preparing for the Lender (continued)

Assets

• Bank Accounts: Name of bank, address, account numbers, types of Accounts, and present balances. With checking use average balance.

• Copy of two most recent statements of all accounts.

• Stocks and Bonds: Copy of certificates or copy of recent (within 30 days) broker statement listing the holdings.

• Life Insurance: Cash value, only if being used for down payment.

• Vehicles: Year, make, and value. Copy of title if under 4 years old with no outstanding lien.

• Real Estate: Address and market value. If free and clear, deed of release, deed of mortgage payoff.

• Present Home: Copy of sales contract, settlement sheet and/or lease.

• Gift Letter: Form will be provided by financial representative. Donor Capacity must be verified. Receipt of funds must be shown in account.

Liabilities

• Credit Cards: Account numbers and outstanding balances. ‘

• Loans (Auto, Mortgage, Personal, Student, etc.): Name of institution, address, account numbers, outstanding balances, monthly payments, months left on loan. Copy of next payment coupon. 12months’ statements or canceled checks for present mortgage.

• Alimony and Child Support: Copy of Ratified Decree and property settlement setting out terms.

VA Loans

• Certificate of Eligibility: To obtain certificate, you will need a DD-214 (Separation of Service) or if in the Service, you will need a Statement of Service signed by Commanding Officer of Personnel Officer (certificate must be updated prior to application).

• If in service, you will need Authorization to Live Off Base (DD-1717 from Housing Office) and Transfer Orders (if applicable).



Will Mortgage Pre-Approvals Hurt My Credit Score?

This is a very common myth buyers have regarding getting preapproved. Getting preapproved is 100% a benefit to you as the buyer because it will give you confidence to write offers and prevent any heart ache down the road. In a competitive market like ours a good agent and a smart seller will not even consider looking at a financed offer without a preapproved letter.

Credit Bureau Scoring

Credit Bureaus use a subtle formula that they don’t publicize how they crunch your credit history down into a single credit score. One of the things that can cost you points on your credit score is to have a bunch of inquiries coming in very close to each other. So, should you worry about what mortgage preapprovals will do to your credit reports? Probably not.

The “Ding” for only one inquiry is very small.

The most of a single inquiry on your credit report will cost you five points. Often, your score, which can range from 300-850, will suffer even less than that. Unless you are seeking a new mortgage and are right on the cusp between good credit score and a fair credit score, five points shouldn’t make any difference in your loan terms.

Making the Mortgage Process Easier

All the credit bureaus understand the complex timing of getting a mortgage. Therefore, they have instituted measures to avoid reflecting pre-approvals inquiries on credit reports. For instance, if you are shopping around for the best rate, and several mortgage companies make credit inquiries about you every 45 days of each other, all those inquiries will be bundled into a single event with a miniscule effect on your credit report. Your credit report also does not include any credit inquiries made within the last 30 days prior to your loan application.

It is, therefore, nearly impossible that the mortgage process of pre-approval will cause enough damage to your credit score to hurt your mortgage terms, so don’t worry if your real estate agent asks to see your letter of pre-approval. Getting pre-approved for the mortgage you want won’t hurt you.



Do’s & Don’ts During the Loan ProcessThere are certain “Do’s and Don’ts” which may affect the outcome of your loan request. These remain in effect before, during and after loan approval up until the time of settlement when your loan is funded and recorded. Many times credit, income, and assets are verified the hour before you have signed your final loan documents.

MAKE SURE THAT YOU DO NOT:

Do Not quit your job or change jobs. If this is likely, consult with your loan officer and call this office should this occur.

Do Not allow anyone to make an inquiry on your credit report except your lender.

Do Not apply for credit anywhere else except your lender. This causes more “hits” on your credit rating which can reduce your credit score.

Do Not change bank accounts or transfer money within your existing account.

Do Not co-sign for anyone, for any reason, for anything.

Do Not purchase or attempt to purchase anything else on credit such as another car, truck, boat, furniture or other real estate.

Do Not charge any abnormal amount to your credit cards or credit lines.

Do Not send in late payments, or incur late fees for anything.

Do Not wait longer than the time frame given per your contract to provide all necessary paperwork and information to your lender when required.

MAKE SURE THAT YOU DO:

Do keep all accounts current, including mortgage, car loans, credit cards, etc.

Do contact both your lender and your sales associates anytime a question may arise.

Do make all payments on or before due dates on all accounts, even if the account is being paid off with your new loan.

Do have any lender-required money/funds to your loan officer within 72 hours after home inspection is complete.

Do return phone calls from your agent, loan officer, Settlement Company, or anyone else involved in your transaction within 2 hours of message.



Looking For The Right House

V.I.P. Buyer Profile System

Higgins & Welch Real Estate’s clients benefit from our buyer profile system, an online home search program. We e-mail (or deliver) to you information on houses in your price range that match the features that you have identified as being important to you. Often these new listings are sent within minutes of appearing on the MLS system. In todays technologically advanced society, you can search online using a variety of websites and tools, including welchgroup.net’s IDX search, Market Snapshot and Neighborhood Reports. After reviewing the information, you can select the houses you are interested in viewing. In the “Old Days” buyer representatives mostly served to find you a house. Today, everyone can find a house, so the focus of our representaion is to review those homes, conduct due diligence and employ valuation expertise to ensure you are not paying too much and that there are no major issues with the house. We want to protect you and ensure all of the I’s are dotted and the T’s are crossed. This puts you, the buyer, in control of the process.

Should You Buy For Your Current Or Future Needs?

Is this your first home? Are you an empty nester or soon to be empty nester? What are your future family plans? Do you have young family? Are you close to retirement? We recommend that our clients attempt to find a home that will anticipate their lifestyle for the next 5 to 7 years. Features to consider include:

• Location • Size of home • Number of bedrooms • Number of bathrooms • Single or double garage • Dining room • Air conditioning • Fireplace and other amenities • Swimming pool and recreation areas

Home Search & Viewings

At Higgins & Welch Real Estate, we can review all sources, not just listed properties, to find the right house for you. All appointments and showings are at your convenience and, when possible, potential houses are previewed to save you time. We also keep you informed of any positive and negative features that may affect property values and future marketability.




What to Expect From This Market

Navigating this market can be very complex at times. In your search for a home you mostly come across three different types of sellers. Each one will have different escrow timeframes, negotiation styles, pricing strategies, and time frames for accepting your offer. Without knowing the difference characteristics of the different types of sellers it can be very frustrating out there as a buyer.

Traditional Sale- These are sellers who have equity in their homes and are usually looking to close escrow in 30-45 days. When writing an offer on a traditional sale you will usually negotiate directly with the seller through their agent.

Short Sale- These are sellers who owe more that what they can sell their home for and therefore have to negotiate with their bank to receive a lesser amount. Typically the negotiation process with the bank can take 4-6 months to get an offer approved and the price is subject to change during this time. There is also a chance that the bank will reject the seller’s request for a short sale and instead foreclose on it.

Foreclosures-These are the homes which have been foreclosed on and taken back by the bank also known as REO’s (Real Estate Owned) or “bank owned”. Like the traditional sale the bank will want to close escrow 30 days upon accepting your offer. The banks are motivated to sell these homes quickly and will typically price them slightly below market value to get multiple offers and create a bidding war to drive the price up. Even though you may pay over the asking prices these can still be great values.



Making An Offer You’ve found your dream home, now it’s time to start negotiating. Nowhere else are the benefits of Higgins & Welch Real Estate’s 40 plus years of experience so clearly demonstrated to buyers than when you put an offer on a house.

Higgins & Welch Real Estate can guide you through the offer and negotiating process:

• Prepare the Agreement of Purchase and Sale – do analysis to help determine the price to be offered and any conditions that should be included

• Negotiate on your behalf with the seller and his representative • If there is a counteroffer, we take the time to explain what the seller is offering

and how it affects you • Review the final offer with you and obtain necessary signatures • Ensure all documents are accurately completed

Agreement Of Purchase & Sale

A legally binding agreement between you and the seller (also referred to as an Offer to Purchase) must include:

• Names of the buyer and seller • Property address and legal description • Purchase price • Items you want included in the purchase price • Amount of the cash deposit (refundable, if offer is rejected or conditions are not

fulfilled) • Closing date • Specific terms or conditions • Examples of standard conditions include a satisfactory home inspection report,

mortgage approval or property insurance • A time limit for arranging and satisfying conditions • Other terms and conditions that will protect and promote your best interests

What Is Included In The Sale?

Unless you and the seller agree otherwise in the Agreement of Purchase and Sale, when you purchase a house, it is with all of the fixtures that go along with it.

A fixture is generally an item that is physically attached to the property. A rule of thumb is that if a tool is required to remove the item, it is considered a fixture. Typical fixtures include ceiling lights and fans, venetian/vertical blinds and built- in dishwashers – to name a few. Appliances usually are not considered fixtures (although they may be included in the purchase price).



No Regrets – Offers Are Legally Binding

Higgins & Welch Real Estate’s advice is not to enter into a binding contract to buy unless you are certain you want to purchase the property. Even though the conditions included in the Agreement of Purchase and Sale are for your benefit, your deposit may be at risk if you fail to complete the purchase under the terms in the offer. Sellers are willing to accept conditional offers but are not willing to permit the buyer to back out risk-free if they simply suffer from buyer’s remorse.

Process Required After the Agreement of Sale is Completed

• We will deliver the documents to your lender/mortgage broker for the final arrangements of your mortgage

• Arrange and attend the home inspection and other applicable inspections • Stay in constant communication until all the conditions in the Agreement of

Purchase and Sale have been fulfilled • Meet with you and explain in detail what is required upon fulfillment of the

conditions in the Agreement and deliver notices to respective parties

Prior To Closing Date

Once all of the conditions in the Agreement of Sale have been fulfilled, settlement is on the horizon.

We recommend that you contact important people, accountants, creditors to make him/her aware that you have just purchased a house expect a change in mailing address.

We also recommend that you contact your Insurance Agent to ensure fire insurance coverage on the property will be effective on the date of completion.

Approximately three days prior to the date of completion, you will meet with your Realtor to review the financial side of the transaction, and any closing documentsthat may be ready in advance.



Summary Of Closing Costs

Legal Fees

Vary according to lawyer, if you elect to obtain legal representation.

Survey

May be required if the seller does not provide you with an acceptable survey as outlined in the Agreement of Purchase and Sale. Title insurance is now used (at your option) and may replace a survey under some circumstances. Your lawyer will advise you accordingly on this.

Land Transfer Tax (Payable on all Purchases)

Calculated at 1% of Purchase Price less $275.00 i.e. $120,000 x 1% - $275.00 = $925 or as follows: 0.5% up to 55,000 1.0% 55,000 to 250,000 1.5% 250,000 to 400,000 First time buyers may be eligible for rebates or exemptions from this tax. Ministry of Revenue, at 1-800-263-7965, can provide more details. Consult your mortgage broker or lender regarding this or other programs that may be available.

Statement Of Adjustments

Both the buyer and seller are each responsible for their share of taxes, fuel and utilities. These costs are itemized on the Statement of Adjustments completed by your lawyer.

Home Insurance

Varies from one insurance company to another. Consult with your insurance company for specific fees.

Mortgage Application

Processing fees may be applicable. Consult with your mortgage broker/ lender for details.

Mortgage Appraisal

An estimate of the value of the house you are purchasing may be a requirement – however your mortgage broker/lender will advise you if it is needed.

Down Payment

A minimum of 5% of the purchase price for a high-ratio mortgage and at least 20% of the purchase price for a conventional mortgage. Purchasing without a down payment is also available; however, special conditions may be applicable.

Mortgage Insurance Premium

Required if your down payment is less than 20%. Typically added to your mortgage, the premium can vary depending on your down payment.

Conveyance Fee

A fee charged by the real estate broker for the necessary conveyance and filing of your real estate transaction.




Property Taxes

With every transaction, property taxes are adjusted between the seller and the buyer based on the number of days the seller is in possession of the property for that year. Credit is given to the seller for excess taxes paid on the day of closing. This is handled by your title company on the HUD-1 Settlement sheet.

You will be responsible for tax installments that come due immediately after closing. Contact the tax department of the city where you will be residing to determine the amount of the next tax installment and due date. This may likely be included in your mortage payment.

I hired Higgins & Welch when I first started looking for a home. They walked us through the process and offered expert advice throughout the process that made us very comfortable and confident in their abilities. When we did make a move, they worked tirelessly to make sure everything was taken care of. I would recommend Higgins & Welch without hesitation.

-John Remmey


The Home Inspection A home inspection conducted by a reputable professional is critical to ensuring you have all the information about a property’s condition. It can identify minor or major problems that may affect the price or if you want to proceed with the sale.

A home inspection should include, but is not limited to:

• Foundation • Doors and windows • Roof and exterior walls • Ceilings, walls and floors • Attics • Plumbing and electrical systems • Heating and air conditioning systems • Insulation and ventilation • Septic tanks, wells or sewer lines (if applicable) • Overall opinion of structural integrity • Any additional buildings such as sheds or garages

At Higgins & Welch Real Estate, we can arrange and attend the home inspection – with the home inspector of your choice. In addition, our buyers are always encouraged to be present during the inspection to witness ‘first hand’ the findings of the inspection. It also gives you the opportunity to seek the advice of the home inspector regarding general maintenance of the property



Packing & Moving With all of the effort that goes into selling a house, it’s no wonder that many tend to delay the inevitable – packing. We recommend to our clients that they start planning early. This helps to avoid feeling overwhelmed as the date of completion approaches.

Higgins & Welch Real Estate’s Tips For Making The Move Easier

Timing If you are able to move at any time of the year, don’t wait until what is generally peak-moving season – the summer. Consider also that the first and end of the month are almost always especially busy. Your moving company’s rates may vary depending on which day of the week you move.

Insurance Complete an inventory for every room. This is important for establishing the declared value for shipping/moving. Prepare a separate inventory for items considered to be of high-value. These items can include antiques, art collections, computer or television equipment, jewelry or oriental rugs – to name a few.

Your To Do List Don’t forget the little things like forwarding your mail or changing the address on your driver’s license and health card! Here are some helpful checklists:

• Disconnect utilities, cable and phone services; order utilities for your new home

• Have your mail forwarded to your new address; include all home deliveries such as magazine or newspaper subscriptions

• Review your belongings with a critical eye; this is the perfect opportunity

• to clear out anything you don’t want to move

• Select your moving company. Closer to your moving date you should also confirm the delivery date and time as well as method of payment

• Notify your insurance company (house, car and life insurance) well in advance of the move and ask to have your policy reviewed and transferred to your new house

PersonalHousehold

• Investigate how to transfer your children to their new school

• Send change of address notices to friends, family and work

• Obtain or transfer all medical and dental records

• Change the address on your driver’s license, health card and credit cards, etc.

• Change address or transfer banking accounts; order cheques with your new address

• Keep a detailed record of all moving expenses; some may be tax deductible depending on the reasons for your move and distance involved

• If you rent and are not on a lease, 60 day written notice is recommended or may be required to your landlord



The Right Realtor® Is Essential

Finding a new home requires special attention. Finding your dream home quickly and in the price range you can afford requires a skilled Realtor®.

Look no further than Higgins & Welch Real Estate.

With our help, you can feel confident that you will have a range of houses to choose from. We will negotiate on your behalf to ensure that you are getting the best value for your money and be by your side at every step of the buying process.

Higgins & Welch Real Estate, Inc. Brokerage



Buyer Questionnaire

Contact Information:

Name: _______________________________________________________________

Address:_______________________________________________________

Phone Number (c)____________________________(h)______________________________

Email Address:_______________________________________________________

FHA VA CONV CASH Down Payment_______________________________________________________

Lender Info:___________________________________________________________

Price Range:_________________________________________________________

Areas:_________________________________________________________

Bedrooms:__________ Baths:___________ Sqft:______________

School District:_________________________________________________________

Higgins & Welch Real Estate, Inc. 215-247-5000 welchgroup.net


Higgins & Welch Real Estate, Inc.

welchgroup.net Office: 215-247-5000 [email protected]


mailto:[email protected]

Documents

Marianne Holt Buyer packet