You wouldn't go to court without a lawyer to represent you, so why would you make one of your largest investments, without the assistance of an Accredited Buyer Representative. As a member of REBAC (Real Estate Buyer's Agency Council) I have a desire to pursue excellence and a dedication to improving through updated education and technology.

Warning! Don't expect the agent who listed the home to look out for you, as a buyer.  By law, the listing agent is required to represent the interest of his/her client, the seller.  Many agents will reach for both sides of a transaction (Dual Agency) but how does an agent provide due diligence to both sides when he/she has the full knowledge of both?  Because, in dual agency, wherein two party's interests are in conflict, the agent cannot advise, advocate, or give allegiance to either one and claim to be representing the other. That's why I refer buyers interested in my listings, to a separate agent on my team (eliminates the conflict).  Make sure you have your own agent!  Also, don't go into a F.S.B.O. alone either! Most people selling their home themselves will work with a buyer's agent and best of all, my fee is paid for by the seller, not you!   

A Buyer's Representative:

• Helps you determine which properties meet your needs.
• Saves you time by searching the MLS and neighborhood for you.
• Sets up showings of the properties you choose.
• Accompanies you to showings to answer any questions or handle any problems that arise.
• Always has your interest in mind, so you have someone on your side.
• Does a comparative market analysis on your home of choice, making sure you are bidding wisely on your offer(s).
• Adds experience and expertise in all aspects of the sales process.
• Handles and advises all price and contract negotiations.
• Provides you with all the possible options and opportunities without holding back.
• Gives an unbiased, realistic view of your home and your options. Unlike buyers and sellers, an agent has no emotional attachment to property.
• Has the knowledge to help you ask the right questions. 
• Assists with home inspecting companies and other needed services, (see resouce tab).  

The Buyer Representative's fee is paid for by the SELLER!

Home Buyer Credit Passes Congress 11/6/2009!!!! 

New Credit Applies Not Only to First Time Buyers, 

But Also to Homebuyers Who Have Been in their Homes 5 consecutive years!

First-Time Homebuyer Credit - Must Read!!

Updated Nov. 6, 2009, to reflect new legislation — more to be added soon New Legislation New legislation, the Worker, Homeownership and Business Assistance Act of 2009, which was signed into law on Nov. 6, 2009, extends and expands the first-time homebuyer credit allowed by previous Acts. The new law: Extends deadlines for purchasing and closing on a home. Authorizes the credit for long-time homeowners buying a replacement principal residence. Raises the income limitations for homeowners claiming the credit.   Under the new law, an eligible taxpayer must buy, or enter into a binding contract to buy, a principal residence on or before April 30, 2010 and close on the home by June 30, 2010. For qualifying purchases in 2010, taxpayers have the option of claiming the credit on either their 2009 or 2010 return.   For the first time, long-time homeowners who buy a replacement principal residence may also claim a homebuyer credit of up to $6,500 (up to $3,250 for a married individual filing separately). They must have lived  in the same principal residence for any five-consecutive year period during the eight-year period that ended on the date the replacement home is purchased. People with higher incomes can now qualify for the credit. The new law raises the income limits for homes purchased after Nov. 6, 2009. The credit phases out for individual taxpayers with modified adjusted gross income (MAGI) between $125,000 and $145,000 or between $225,000 and $245,000 for joint filers. The existing MAGI phase-outs of $75,000 to $95,000 or $150,000 to $170,000 for joint filers still apply to purchases on or before Nov. 6, 2009. General Information Homebuyers who purchased a home in 2008 or 2009 may be able to take advantage of the first-time homebuyer credit. The credit: Applies only to homes used as a taxpayer's principal residence. Reduces a taxpayer's tax bill or increases his or her refund, dollar for dollar. Is fully refundable, meaning the credit will be paid out to eligible taxpayers, even if they owe no tax or the credit is more than the tax owed. The credit is claimed using Form 5405, which you file with your original or amended tax return. **Some Additional Information To Help Clarify The Rules! FTHB - (First Time Homebuyer) 1. Income limits are based on ADJUSTED GROSS INCOME. 2.  Income CAN Exceed $125,000 (single) and $225,000 (married) by up to $20,000 and FHTB & Long-term Residences can still get a partial tax credit based upon a "MAGI formula" created by the IRS. 3. New Construction - the "date of purchase" is considered the "date" the FTHB OCCUPIES the property--not the closing date or the start-or-construction date. 4. Homes sold on "Land Contract or Contract for Deed" to a FTHB can QUALIFY for a tax credit if they meet 7 tests listed on the FAQs. 5. Tax credit is not available for FTHB in US Territories--only the 50 states.