What we do when we represent only the buyer in each part of the
First keep in mind that we are not "commission based"
We will show you any homes available in the market and of which
we are aware. These would include homes not listed in the MLS. We
will also show you homes below the amount that your lender
approves for a mortgage.
A typical Realtor would usually show you properties in a price
range at the top of what the bank approves for a loan, thus, they
would make the most commission. For example, imagine that a buyer
wanted a four bedroom home in Hoopeston, and there were 3 MLS listings
of 4 bedroom homes. One is priced at $90,000, the second is priced at
$75,000, and the third is priced at $45,000. There also happens to be
a house For Sale By Owner with 4 bedrooms priced at $80,000. Imagine
the bank has approved our buyer to buy a home priced around $85,000.
Because the Realtor is commission based, she would likely show the
$90K house and the $75K house while avoiding the other two. The $45K
house would net them only half of the commission available to them if
the buyer spent all the money available to him, and the $80K house may
not give them any commission at all.
If in fact the $45,000 home suited the needs of our buyer, the
buyer wouldn’t save only $40,000 off of the purchase price, he would
also save thousands of dollars of interest on the money he didn’t have
to spend. He would also be paying less in property taxes on an annual
basis, and there would likely be savings on insurance. But sadly, the
way real estate is often done, our buyer may never even see this
Since we at Home Buyer’s Perspective Realty are not driven
by commissions we are not motivated to encourage you to spend your
entire pre-approved funds. Also we have no fear of showing properties
where the seller is paying no commission.
We will provide buyers with professional advice and guidance in
finding the right property at the right price. We will provide
you with a market analysis for any property that interests the buyer
so as to help the buyer determine what it is really worth, regardless
of the asking price.
We will assist you in locating and selecting other professionals who
will aid you in the home buying process. The right lender, home
inspector, attorney, or insurance provider can make all the
difference. The right professionals will ensure the property
and the process meets the buyer's requirements.
We will assist you in preparing an offer to purchase the
property for the best price and the best terms.
We will professionally present your offer to the seller or
We will provide the buyer with an estimate of the costs
involved in the entire closing process
We will monitor performances of other professionals involved in
the transaction to make sure all services are promptly and
We will accompany you to the closing conference to verify that
all terms and conditions of the purchase agreement are met, and
completed at that time.
We will never reveal to the seller any information you
discussed with us in confidence.