JUST WATCH MY DUST as we fan out in the neighborhoods, searching for that perfect home for you and yours.

Select a REALTOR® and Establish a Relationship.

I am a full-time, professional REALTOR® as well as a REAL ESTATE  INVESTOR. 

 I have extensive market knowledge.  We will work closely together to find the RIGHT home for you.

Once we establish if I am the best agent for your needs, I work closely with lenders agents, providing guidance to the financial institutions where you can obtain information in order to get the best financing available.  We will meet to discuss your needs and analyze your resources. 

Finding Your Dream Home

I will show you available homes based on the criteria that you establish.  The more precise and direct you are with me, the more successful our search will be.

Once we have found the home that you wish to purchase, I will do all the necessary research to help you structure an effective offer.  I also have an excellent team of Lenders and Attorneys to refer should you need them.

I will draft the Purchase Agreement for you, advising you on protective contingencies, customary practices, and local regulations.  At this time, you will need to provide an "earnest money" deposit, usually from 1-3% of the purchase price.  (The deposit is not cashed until your offer has been accepted by the Seller.)

I will present your offer to the Seller's agent.  The Seller has three options; he can accept your offer, counter your offer, or reject your offer.  My personal knowledge of your needs and qualifications will enable me to represent you in the best way possible.

I will review the Seller's response with you.  My negotiating skills and knowledge as a Realtor®, Real Estate Investor, and an Antiques Dealer will absolutly benefit you in reaching a final agreement.

When the Purchase Agreement is accepted and signed by all parties, I will then work closely with the attorney, lender and title company, making sure that things are moving along properly.  At this time your earnest money will be deposited with the listing company or the Seller's Attorney.  The title company will receive and disburse all of these funds associated with this simple transaction at the upcoming closing.

Contingency period

This is the time allowed in your Purchase Agreement to obtain financing, perform inspections, and satisfy any other "contingencies" to which your purchase is subject.  Typical contingencies include:

•   Approval of the Seller’s Property Disclosure Statement
•   Approval of the Preliminary Title Report
•   Loan approval including an appraisal of the property
•   Physical inspections of the property

      I will coordinate between your insurance agent and title officer to make sure your policy is in effect at close of the contract.

Closing

When all of the conditions of the Purchase Agreement have been met, you will need to attend the closing of the contract, to sign your loan documents and closing papers.  You will need to bring a Cashier's Check for any necessary final purchase funds not included in your mortgage amount to take to the closing.  You will deposit the balance of your down payment and closing costs and your lender will deposit the balance of your purchase price, and the Deed is sent to be recorded at the County Recorder's office. 

Congratulations!  You have bought a new home!

(More Information)

1.  Find the right representative

Even if you’re not quite ready to buy, Jeff can be an absolute wealth of information, and can often offer you ‘scoops’ on local developments you might not have know about otherwise.  Speak to Jeff first and he can be helping to guide you right from the start.

2.  Find out what your price range is

Online mortgage calculators are a good place to start, but as you get closer to being ready to buy, there is no substitute for a written mortgage pre-approval.  Just speaking to a lender is an extremely worthwhile venture – this is the only way to really get an in-depth picture of your overall financial picture and to discover exactly what you can reasonably afford to spend on a home (and possibly on renovating).  Don't have a lender presently?  Jeff is glad to suggest a few good ones if you like. 

3.  Find out what your local market looks like

The internet can be incredibly valuable in doing preparatory research.  Start with your agent – Jeff can direct you to valuable resources and immediately start e-mailing you real estate listings that may interest you (or at least give you a better idea of what your needs and wants are).

4.  Find out what your true needs and wants are

Compose a needs/wants list that takes into consideration your local market conditions, your price range, and the advice of your real estate agent, Jeffrey Cobb.

5.  Find your dream home!

Once you’re ready to act, you may be surprised by how quickly you can make a decision.  Armed with your pre-approval, a little market knowledge, and your needs/wants list, contact your preferred agent, Jeffrey Cobb, together we will hit the pavement, and when you see ‘the house’, put in an offer, and away you go! 

With the right team behind you, it really can be that easy!

Your Agent
A successful purchase starts with the right representative. In fact, once you’ve selected Jeff to represent you, he can recommend other professionals to join your team, taking more of the responsibility off of your shoulders.

Lender (Appraiser)
A bank is not just a bank. Having the right backer can be extremely important – it is your money we’re talking about after all! Make sure that your lender and financial representative is someone with whom you feel comfortable, and be wary of any lender who promises you more than you think you can reasonably afford. Your lenders may or may not require an independent appraisal, and typically will make arrangements for the appraisal themselves.

Lawyer
Your home purchase is far too important a transaction to skimp on legal representation at the risk of leaving yourself open to costly future issues. Find a lawyer who is willing to take the time to answer your questions and who specializes in real estate law.

Home Inspector
No home inspection is 100% guaranteed, but a few hundred dollars to catch a major problem now is certainly better than many thousands to correct that ‘surprise’ down the road. Ask Jeff for a recommendation.

Contractor
Planning some renovations? You’re not the only one! The home renovation industry is booming, and in some markets, booking a contractor must often be done months in advance (that’s a long time to go without a kitchen). Don’t let finding the right contractor slip through the cracks – planning ahead will almost certainly make your renovation smoother, and you contractor will appreciate the advance notice.