Home Buyer's Guide
James Page's Home Buyer's Guide
The Power of Invest ing In Ownership
T
here are both financial and emotional benefits to owning a home. After all, a home is the center of your world.
When you own a home, you are investing your money into your future. Home equity has the ability to increase each time you make your monthly payments, as well as when you make smart home improvements. In a strong economy, home values can increase each year. The greater your equity, the more you can capitalize on your home?s value over time.
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One of t he most import ant part s of your home buying journey is choosing t he right Advisor.
James Page's Home Buyer's Guide
WHY WORK WITH J AMES? When considering buying a property, it is essential to work with
Through periods of both strong economic growth and in less
a true market expert who takes the time to understand you and
certain times, Engel & Völkers has maintained consistent
your unique real estate goals. James is known for his
success in advising clients to find the perfect home, and we
unparalleled professionalism and his dedication to providing
look forward to serving you.
high-quality, personal service. James along with his family at Engel & Völkers is devoted to competence, exclusivity and passion, the three core values of our luxurious, global real estate brand with over 40 years of experience.
Call James with any Questions! (541) 280-3400
I have always believed t hat t he best business relat ionships require more t han just closing a deal. They must be built on clear communicat ion and genuine care. This philosophy was t he foundat ion of my t went y years in business sales leadership at a Fort une 500 company, where I dedicat ed my career t o solving complex problems and delivering result s wit h precision. Now, I bring t hat same professional discipline t o t he Cent ral Oregon market wit h a renewed focus. I use my background in st rat egy t o ensure you feel confident and fully support ed every st ep of t he way. My approach is st raight forward because I value your t ime and your goals. Whet her you are buying or selling a home in Cent ral Oregon, I handle t he logist ics and t he st ress so you don't have t o. I am proud t o be a part of Engel & Völkers Bend where I am surrounded by a t eam t hat has a hist ory of awards and local excellence. By combining t heir legacy wit h my own diagnost ic approach, I can offer you a st andard of service t hat makes t he ent ire process seamless and manageable.
James Page's Home Buyer's Guide
When I am not working for my client s, I am fully immersed in t he lifest yle t hat makes our high desert communit y so special. You will find me out on t he mount ain bike t rails, fly fishing, or enjoying summer concert s at t he amphit heat er wit h my wife and daught er. I love exploring t he local food scene and am always on t he hunt for t he best new rest aurant s. On weekends, I am usually cheering on my favorit e foot ball t eams during t he season. I love t o t ravel whenever possible, but t hose advent ures have only deepened my appreciat ion for t he home we have in Cent ral Oregon. I would be honored t o be your local resource and help you achieve your real est at e goals!
James Page Global Real Est at e Advisor ? +1(541) 280-3400 James.Page@evrealest at e.com JamesPageRealt or.com Call James with any Questions! (541) 280-3400
Shop for a Lender You will want to look around for different lenders based on your financial needs. It is a good idea to do some research on multiple companies, what they offer, what their customer satisfaction rate is, as well as othis factors to effectively compare which is right for you. Getting several quotes from different lenders may pay off substantially in the long run. James will provide his recommendations as well.
Types of Loans Available Your credit score is a big variable in finding out which type of loan is best fit for you and some lenders may not offer the specific loan you need. Use a mortgage calculator to get an idea of what your budget will look like for your home. In addition, do some research on the various loan options (i.e., VA, FHA, Conventional). Once you have an idea of which loan is best for you, it's beneficial for you to look at sample rates, costs, and fees you will be responsible for upon closing.
Get Pre-Approved Securing a mortgage pre-approval letter is a crucial step towards ensuring your readiness to purchase a new home. Not only does it demonstrate to the seller that you are a serious buyer, but it also strengthens your position when making an offer. Consider the following area as you navigate through this essential process:
James Page's Home Buyer's Guide
Gat her and prepare all necessary Document s for Pre-approval let t er You are required to provide all documents needed to verify your monthly and annual income. This includes tax returns, W-2 forms, 1099s, and rental income you may have. Some bank statements, statements from the IRA, list of debts, rental history, court orders, alimony payments, bankruptcy, and foreclosure records may also be required.
Now it 's t ime t o re-evaluat e your budget based on pre-approval Formulating an accurate budget based on pre-approval for a home purchase is of utmost importance. It ensures that you have a realistic understanding of your financial capabilities and prevents you from overextending yourself financially. A precise budget helps you identify your price range, narrowing down your options and saving time during the house hunting process. Moreover, it enables you to plan for additional expenses like closing costs, property taxes, and maintenance, ensuring long-term financial stability and peace of mind. Ultimately, an accurate budget based on pre-approval empowers you to make informed decisions, leading to a successful and stress-free home buying experience.
Call James with any Questions! (541) 280-3400
Breat ht aking real est at e around t he world, St art your home search wit h Engel & Völkers Bend and t he EV Insider App
James Page's Home Buyer's Guide
PERSONALIZED HOME SEARCH TOOL 1. Scan t his QR code t o download EV Insider, James's personalized home search t ool. 2. St art searching for homes in your preferred area. 3. Save t he homes you love and request a showing direct ly t hrough t he app. 4. Cont act James direct ly t hrough t he app t o request more informat ion on propert ies t hat you are int erest ed in!
Call James with any Questions! (541) 280-3400
M ake an Offer After finding the home you love, be ready to put an offer on the table as soon as possible. During this step, you need to move quicker than you may expect. It is imperative that you understand the current state of the housing market in the area you are looking in. Use market reports, comparative analysis' on similar homes, do your research before coming to the table with a solid offer. To write the perfect offer, James is your best asset for this step, he has the knowledge and negotiation skills to ensure you are writing a competitive offer yet still getting the best deal around.
Inspect ions We want to make sure you know what you are getting yourself into when purchasing a home. this step is imperative in the case that things pop up unexpectedly that you may not be able to see on the surface. If thise is something that comes up, you may need to renegotiate the terms previously set. Although these steps are additional costs to you, it may save you more money and issues in the long run. Inspections are a good idea in the event that thise any issues with the home that the seller did not disclose with you or their agent. These can be issues regarding the foundation of the home, the roof, electrical system, HVAC system, plumbing, or septic system. In Central Oregon, it is recommended to have roofs and foundations double checked because of our winter months. It's always a good idea to have a licensed professional come by to inspect the home before continuing the home buying process.
James Page's Home Buyer's Guide
Appraisals Appraisals are a bit different. While inspections establish the particular condition the home is in, appraisals aim to establish how much the home is worth. This is based on a variety of factors including current market trends, comparative properties (similar homes selling within the last 90 days), inspections, condition of the property, and features of the home. If the home is appraised at a lower value than the purchase price, negotiations can resume.
Final Walk-Through After potential renegotiating and having your final terms determined, you are almost ready to move in! When walking through your new home for the last time, you will want to make sure everything stated in your agreement terms are accounted for and in the condition expected. here is a checklist that can serve as a guide through this step:
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Look for any imperfections you may have missed before.
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Open all of the windows and doors
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Check locks & keys
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Test all of the appliances
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Flush all of the toilets to make sure they are properly running
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Turn on the faucets for proper functioning and water temperature
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Check the air conditioning and heating
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Turn the lights off and on
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Plug something into an outlet to confirm the electric system is working
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James Page's Home Buyer's Guide
The Offer has been Accept ed, It s Closing Time!
Y
our new luxury awaits! After the final walk-through, it?s time to sign those papers and finalize the closing of your new home. There will be a lot of documents but no need to worry ? this is what James is for. He can help explain each and every paper that you
sign. Ask as many questions as you need because after all, this is probably one of the biggest purchases you will ever make. Now that you?ve sealed the deal, congratulations, you?re a new home owner!
Call James with any Questions! (541) 280-3400
James Page's Home Buyer's Guide
Experience Engel & Völkers
A
t Engel & Völkers, we strive to maintain clients for life. The sale of one property may present the opportunity to find your next home locally or in one of our many locations across the country or even across the sea. Through our network of trusted real estate advisors
James will guide and support you every step of the way now and into the future.
Call James with any Questions! (541) 280-3400
Live Your Luxury We look for ward t o t he opport unit y t o demonst rat e our process, precision and passion for ser vice, so t hat you can focus on living your luxury.
James Page's Home Buyer's Guide
Call James with any Questions! (541) 280-3400
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J A M E S PA G E Global Real Estate Advisor ? +1 (541) 280-3400 James.Page@evrealestate.com OR - 201262438
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James Page's Home Buyer's Guide