Buying or selling a home is the most important financial transaction most people undertake. Take time to protect your rights. Ask questions and seek the guidance and advice of qualified real estate experts.

Protect Your Investment

Consult a qualified real estate professional who will look out for your interests.

Make sure your advisor is qualified, experienced, responsive to your questions and concerns and provides the following services:

FOR BUYERS

• Prepare and review the offer to purchase
• Prepare, review and negotiate the purchase and sale agreement, including all addenda
• Consultation regarding financing issues
• Review title examination for easements or restrictions affecting the property
• Attend closing and review all documents required to be signed by the lender.

FOR SELLERS

Review and negotiate offer to purchase
Prepare, review and negotiate purchase and sale agreement, including all addenda
Address title issues raised by lender
Prepare deed
Attend closing and review all documents required to be signed by lender. :::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::

COMMONLY ASKED QUESTIONS AND ANSWERS

Q. What is the first thing a buyer should do before purchasing a home?

A. A buyer should first consult a mortgage broker to determine an affordable price range within which he/she con comfortably purchase a home.

Q. Should a buyer hire a professional home inspector? If so, what is the best time to conduct the home inspection?

A. The buyer should hire a professional home inspector to inspect the premises for structural defects, water, plumbing and electrical problems, the existence of termites and other pest, radon, urea formaldehyde foam insulation and lead paint, among other things. The best time for the home inspection to be conducted is after the buyer?s offer to purchase has been accepted by the seller and before the purchase and sale agreement has been executed.

Q. What documents is the seller required to bring to closing?

A. Among the documents the seller is required to bring to closing are a smoke detector certificate which can be obtained from the local fire department, final water bill which can be obtained from the local water department, a 6(d) certificate if the property is a condominium and a new deed transferring ownership to the buyer.

Q. Who does the closing attorney represent?

A. The closing attorney represents the buyer's lender. Although the interests of the lender and the buyer are similar in many respects, in some respects these interests are conflicting and the buyer should not rely upon the lender's attorney for legal advice