How to Pick a Real Estate Agent - VipCredit - Approved Loans - Money To Lend - Easy 24 Hr. Approval - Mortgage Home Loans for Mortgage Personal

Buying a home involves making major decisions about where and how you will live for many years, and often has very important implications for your financial future.

For this reason, almost all home buyers enlist the services of a real estate agent or broker to help them with this complex transaction. A real estate agent is a person licensed by the state to handle real estate sales. A broker, also licensed by the state, is the person who may own a real estate company, or has overall responsibility for the agent's actions.

When choosing a real estate agent/broker, ask friends, neighbors and co-workers for referrals. Check to make sure the the agent or broker you select is properly licensed to practice in your state. Also contact your local BBB and consumer agencies to check the broker or agent's complaint record.

Before starting out, prospective buyers should remember that the agent or broker works for the seller of the property. The agent can offer his or her knowledge of the market and help in the preparation of contracts. But, the agent cannot tell a buyer what the seller's bottom line is, even if he or she has that information. Also, the agent is required to tell the seller anything you mention aloud; for example, how much you are prepared to pay during negotiations.

When you are ready to make an offer on a house, the agent will write up a contract that presents your offer and any conditions on the offer (e.g., a satisfactory inspection or sale of your current residence). The agent transmits the offer to the seller, as well as counter offers between you and the seller.

Some home buyers do not feel comfortable working only with an agent or broker who represents the seller, therefore they choose a "buyer's broker" to represent them. A buyer's broker can research the area and type of house you're interested in. A buyer's broker can suggest sale prices and terms that may differ greatly from listing agreements, since he or she is obligated to represent the buyer's interest, not the seller's.

A buyer's broker is usually paid a percentage of the sale price, sometimes a fixed fee, or sometimes an hourly rate. Although buyer brokers are becoming more common, it may not be easy to find one in your area. Possible sources of brokers include professional real estate groups in your community; attorneys with active real estate practices; or brokers who advertise buyer representation services.

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Special Notice:
When a company checks your credit record, it can be very dangerous to your credit!
Avoid this credit report pitfall!
The Credit Bureau's Reports

Before you start applying everywhere, realize this:
2 or more recent credit checks (inquiries) will negatively affect your credit score. Your credit score can be seriously damaged!
But, you can avoid this pitfall and still be able to apply at several companies if you are turned down, you can go to the next lender and apply without worry about your credit being damaged.
Here is how it works:
If you order a copy of your credit report in advance, a lender can pre-approve you with a
faxed copy of your credit report.
If they decide to reject the loan, you can continue to apply at different lenders until you find one that accepts you. Still no credit checks against you!
Before completion of the loan process your actual lender will probably need to do a final check on their own, but now you have only one inquiry on your records instead of two or
three or more!
Note: when you purchase your credit report, it does not show up as an inquiry!
It is a good idea to know in advance what your credit score is and if there is any incorrect information on your reports.
Unfortunately, most recently reported by CBS and NBC, and CNN,
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Selecting A Real Estate Agent