BUYER’Sguide
PREPARED ESPECIALLY FOR YOU BY
MATTHEW PARKER
getting to know MATTHEW PARKER
Driven by a passion for helping people find not just a house, but a place to call home, Matthew Parker brings energy, integrity, and local expertise to every real estate journey. Whether you're buying your first home, upsizing, or investing, Matthew is committed to guiding clients with honesty, insight, and a no-pressure approach.
Outside of real estate, Matthew is all about the outdoors. He recharges on the slopes snowboarding in the winter, hiking new trails when the weather warms, and spending quality time year-round with his two loyal dogs. Equal parts adventurer and homebody, Matthew understands the value of finding a space that fits your lifestyle.
If you're looking for a realtor who works hard, listens well, and genuinely cares about your next move, Matthew’s ready to help you hit the ground running.
Congratulations on starting down the path to buying a home!
At Bray Real Estate, we know it can feel like a scary, life-changing step. You can trust that I’ll be here to guide you every step of the way.
As your dedicated, full-time real estate advisor, I am here to answer all of your questions and use my knowledge and experience to guide you through this journey.
While the home-buying process can be ever-changing and sometimes stressful, as your REALTOR , I have mastered this process and promise to be there for you.
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SO, LET'S GET STARTED!
the benefits of HOMEOWNERSHIP
Studies have shown that homeownership has a significant and positive impact on net-worth, educational achievement, civic participation, health, and overall quality of life.
Owning a home is one of the best ways to build long-term and generational wealth. Historically, a homeowner's net-worth ranges from 31 to 46 times greater than that of a renter.
Owning a home offers many tax advantages, which can help save money.
Homeowners have the freedom to redecorate and renovate their homes as they wish.
A fixed-rate mortgage provides stable housing costs, while rent can typically increase 3% or more per year.
Homeowners are usually happier and healthier, enjoying the pride of owning a home of their own. With
home buying FAQS
WHAT IF MY OFFER IS NOT ACCEPTED AND I LOSE THE HOME?
This is one of those hard truths; it can happen and you need to prepare yourself for this possibility. Depending on the market, you are competing to buy a home and multiple offers can be presented. Your offer may not be the one that is accepted and this is where the trust and relationship Matthew is important. Do not lose hope; there are always more homes to look at.
HOW CAN I BE SURE THAT THERE IS NOTHING WRONG WITH THE HOME I AM BUYING?
Matthew will connect you with a qualified home inspector who will thoroughly examine the physical condition of the home and all of its systems. The inspector will provide you with a detailed report of the home's condition. You will have an understanding of any potential issues with the home before moving forward with the transaction.
HOW CAN I MAKE SURE THAT I DON'T OVERLOOK A PROPERTY FOR SALE THAT MEETS MY NEEDS?
One of the most important tasks for Matthew is to uncover every property that might be of interest to you. They are uniquely qualified to accomplish this through their network of highly experienced and productive sales partners in Western Colorado and beyond, finding properties that are not yet on the market. With their partnership with Leading Real Estate Companies of the World network, they can assist you wherever you may go.
HOW CAN I BE SURE THAT I AM NOT PAYING TOO MUCH FOR A PROPERTY?
All markets are local so it’s important to receive an overview of the market and a detailed market analysis on the home you are buying before making an offer. Matthew will provide you with all the information you need to make an informed decision.
benefits of working with MATTHEW PARKER
AS YOUR TRUSTED REAL ESTATE ADVISOR AND REALTOR WITH BRAY REAL ESTATE, WE ARE CONSISTENTLY RECOGNIZED FOR OUR PRODUCTIVITY AND COMMITMENT TO OUR CLIENTS AND THE COMMUNITIES WE SERVE. MY SOLE FOCUS IS TO HELP YOU PURCHASE A HOME AND FEEL GOOD ABOUT IT.
MY COMMITMENT TO YOU: ®
I will give you the confidence to do something scary and life-changing.
Anticipate and find answers for the questions you don’t know to ask.
Tell you what is and what is not a problem with the house you want to buy.
I will use the data and knowledge born from my experience to help you have full confidence with your offer.
I will leverage my relationships with everyone from house cleaners to loan offices to ensure you get everything you need.
I will ensure you don’t feel like you have made a mistake, bad decision, or placed yourself in a financial hardship.
I will create a customized solution for you based on your specific needs and timing.
I will provide you with detailed information about the the local market and current trends.
I will help save you time by sifting through potential property matches and previewing homes for sale.
I will use my knowledge and experience to assist you with negotiations to achieve the best possible price and terms.
I will track all the dates in the contract to ensure that important deadlines are met.
I will attend your closing with you to ensure that all questions are answered and all last-minute details are complete.
I am committed to a strict code of ethics that puts YOU first!
the importance of BUYER REPRESENTATION
YOUR HOME BUYING ADVOCATE AND TRUSTED ADVISOR
Having representation from a Buyer’s Agent is the only way that you can be confident that you have someone looking out for your best interests and allowing you to make informed real estate decisions.
ALIGNMENT WITH A PROFESSIONAL
Our high-quality reputation is backed by our membership in Leading Real Estate Companies of the World®; an invitation-only global community in over 70 countries. Membership is awarded to firms based on rigorous standards for service and performance.
UNPARALLELED MARKET KNOWLEDGE
Our brokerage is rooted in the communities we serve. We possess deep local knowledge, an understanding of local housing regulations, and trends to help you make smarter, informed decisions. We bring an authentic “Main Street” perspective to real estate that many of our competitors cannot claim.
NEGOTIATION WITH MARKET EXPERTISE
Understanding your goals, desires and concerns is fundamental to skillful negotiation, coupled with strong market knowledge and financial acumen. Your Buyer’s Agent will work on your behalf and negotiate the best possible price and terms for your home purchase.
SERVICES TAILORED TO YOUR NEEDS
Our services are distinctive, extensive, and personalized for you, as our long-standing reputation was built on consistently delivering high performance to every client. Our strong local culture is well-aligned with your market-specific needs.
A STREAMLINED PROCESS
Your Buyer’s Agent will simplify the process and guide you through the necessary steps, making the most efficient use of your time. From your home search and negotiation to contract and closing. These are just some of the steps where your Buyer’s Agent will facilitate.
✓ Market Analysis
✓ Lender Pre-Approval
✓ Offer
✓ Negotiation
✓ Contract Review and Approval
✓ Purchase Agreement Finalized
✓ Home Loan Approval
✓ Inspection/Due Diligence
✓ Apply for Home Insurance
✓ Title Exam
✓ Loan Approval
✓ Prepare Finances and Documents for Closing
we can assist you ANYWHERE IN THE WORLD
As an affiliate of Leading Real Estate Companies of the World,® we have access to the highest caliber of real estate professionals in over 70 countries, across six continents. When buying or selling property outside of our local market, our world-class connections can help with real estate needs throughout our continent and to points around the globe. Let us introduce you to a carefully selected sales associate that will provide you with extraordinary service — anywhere your real estate needs take you. Our global network is comprised of the very best real estate companies and the most talented professionals in the world.
WORLD-CLASS SERVICE. WORLD-CLASS INTRODUCTIONS.
INTRODUCTIONS MADE IN 84 COUNTRIES IN 2023
400 CLIENT INTRODUCTIONS MADE WEEKLY WORLDWIDE
19,000 CLIENT INTRODUCTIONS MADE EACH YEAR
MORTGAGE LOANpre-approval
The checklist covers the types of information you and any co-borrower will need to provide. Some lenders may require different information, so make sure to check and see what you need to bring to your initial loan interview.
BASIC INFORMATION
Driver’s License, Social Security Number and Date of Birth PAY STUBS
Your last two pay stubs showing year-to-date earnings W-2s
From the past two years
EMPLOYERS
Names, addresses, and phone numbers of your employers for the past two years.
BANK ACCOUNTS
Account numbers and print outs with current balance of your checking, savings, and any other accounts
CURRENT ASSETS
IRA’s, Certificates of Deposit, Stocks, Bonds
If you own securities, your lender may require a current brokerage statement with name of the stock(s), amount per share, and number of shares owned
PERSONAL PROPERTY
Value of personal property including life insurance face value, employee retirement accounts, furniture, cars, collections, and other valuable property.
LIABILITIES
Auto Loans, Student Loans, Credit Cards, and other installment debt
For each loan, provide name and address of creditor and include the monthly payment and amount due
CURRENT AND PREVIOUS ADDRESSES
OWN A HOME: property address, current market value, mortgage lender name, account number, monthly mortgage payment, and mortgage balance due
RENT: property address, name and address of the landlord, the current monthly rent, and previous address/landlords (You’ll only need to provide former addresses if you’ve lived in your current address for less than two years)
PURCHASE AGREEMENT
If you have already completed a Purchase Agreement on a home, bring the signed copy and any amendments, a copy of the listing form for the property with the legal description of property, and receipts for earnest money or down payment deposits toward that property
SPECIAL SITUATIONS
Lenders may require additional information.
Self-Employed or Commission Based?
You’ll need federal tax forms for the past two years, along with a current year-to-date profit and loss statement.
Separated or Divorced?
You’ll need a copy of your divorce or separation agreement, plus documentation regarding any alimony or child support you are required to make. If you’re receiving alimony or child support and want it included as income, you’ll need documentation for the past 12 months.
Pension, Disability, Social Security, or Public Assistance?
Bring a copy of an award certificate or a check from the issuing agency.
Bankruptcy, Foreclosure, or any Judgments against you in the past 7 years?
Bring information on the proceedings. Information on bankruptcies should include a copy of the bankruptcy discharge and schedule of both debts and assets. Judgments against you should include an attorney’s letter that discusses the outcome of the proceedings.
Applying for a VA Loan?
You’ll need a copy of your DD-214
Applying for a Federal Housing Administration (FHA) Loan?
Bring along a photo identification card, such as a driver’s license. You may also need to bring your Social Security card (if your Social Security number is not on your photo ID).
house hunting CHECKLIST
THE HOME FEATURES
FLOOR PLAN
HEATING & AC
ROOF
GARAGE
EXTRA BEDROOMS
PRIMARY BEDROOM
LAUNDRY ROOM
KITCHEN
DINING ROOM
LIVING AREA
EXTERIOR CONDITION
CURB APPEAL
NOTES
LAUNDRY APPLIANCES
KITCHEN APPLIANCES
BACKYARD
POOL/HOT TUB
PATIO
LOT
SECURITY SYSTEM SURROUNDING HOMES
NEIGHBORHOOD
NOISE LEVEL
TRAFFIC
PROXIMITY
SCHOOLS
ZERO IN ON THE THINGS YOU HAVE TO HAVE, WANT TO HAVE, AND CAN DO WITHOUT. UNDERSTANDING YOUR LIFESTYLE AND NEEDS WILL MAKE THE SEARCH PROCESS EASIER AND HELP TO ELIMINATE THE HOMES THAT SIMPLY WILL NOT FIT.
offer strategies FOR THE WIN
PREPARING AN OFFER THAT PUTS YOU IN THE BEST POSITION TO BE ACCEPTED
TIMING APPRAISAL
SELLER EXPERIENCE
SELLER EXPERIENCE
FINANCING
When you find "the one," I will walk you through each of these items. We'll work together to determine the best strategy to make your offer a strong one!
your ultimate MOVING CHECKLIST
8 WEEKS BEFORE
Create a file for all moving related documents
Set a budget for moving expenses
Get estimates, review documents a choose a moving company and set a date
Get rid of items you don’t want - sell or donate
4-7 WEEKS BEFORE
Notify family and friends of the move - ask for help
Gather items you’ll need during the move - BOXES!
Create inventory of items
Make travel arrangements
Gather all important records - medical, legal, ect
2-3 WEEKS BEFORE
LABEL BOXES
Create a folder for bills and receipts
Update your drivers license, car registration and voter registration
Submit change of address online with USPS
1 WEEK BEFORE
Finish packing - mark all boxes
Confirm details with movers
Cancel remaining services
Pack personal items
MOVING DAY
Empty fridge/freezer and unplug
Disconnect all appliances
Walk through house with movers - advise of special details or packing instructions
Review final bill of landing from movers
Last minute inspection and final cleaning
AFTER MOVING DAY
Install security system
Explore new neighborhood, say hello to new neighbors
Change the locks and make copies of keys
Check smoke alarms
Schedule maintenance work
Separate items that movers won’t handle
Request time off of work
Give notice to local service providers
Notify schools of move and find new schools, if necessary
Start using up frozen foods
Notify your insurance company
Get rid of hazardous materials you cannot move
Find new service providers
Start packing non-essential items
Notify service providers
Drain fluids from small engines: lawn mower, ect.
Return borrowed items, collect borrowed items
Back up your computers
Take care of plants
Clean old home / Clean new home
Cancel or redirect pending deliveries
Withdraw cash
Check the weather
Stay goodbye to old neighbors and leave contact information
Turn off lights, lock windows and doors, surrender keys, shut off furnace, air conditioner and water heater
Unpack the essentials at new home
Go grocery shopping
Put up curtains
Thank your Bray REALTOR
Leave the moving company a review
Let your family and friends know you made it
UNPACK
RELAX & ENJOY YOUR NEW HOME
homebuyer’s GLOSSARY
ADJUSTABLE-RATE MORTGAGE (ARM)
A mortgage that permits the lender to adjust the interest rate periodically on the basis of changes in a specified index.
AMORTIZATION SCHEDULE
A timetable schedule showing the amount of each payment applied to interest and principal and the remaining balance after each payment is made.
ANNUAL PERCENTAGE RATE (APR)
The cost of a mortgage stated as a yearly rate; includes such items as interest, mortgage, and loan origination fee.
APPRAISAL
A written analysis of the estimated value of a property prepared by a qualified appraiser.
CERTIFICATE OF TITLE
A statement provided by an abstract company or attorney stating that the title to real estate is legally held by the current owner.
CLOSING
A meeting at which a sale of a property is finalized by the buyer signing the mortgage documents, paying closing costs, and transfer of the deed to the property.
COLLATERAL
An asset (such as a car or a home) that guarantees the repayment of a loan.
COMMISSION
The fee charged by a broker or agent for providing services related to the real estate transaction such as marketing the property, bringing the parties together, and negotiating a purchase contract or loan.
DEED
The legal conveying title to a property.
EARNEST MONEY DEPOSIT
A deposit made by the potential home buyer to show that he or she is serious about buying the house.
EQUITY
A homeowner's financial interest in a property.
FAIR CREDIT REPORTING ACT
A consumer protection law that regulates the disclosure of consumer reports by consumer/credit reporting agencies and establishes procedures for correcting mistakes on one's credit record.
HOME INSPECTION
A thorough inspection that evaluates the structural and mechanical condition of a property.
LIEN
The legal claim against a property that must be satisfied before the property may be sold.
LOCK-IN
A written agreement in which the lender guarantees a specified interest rate if a mortgage goes to closing within a set period of time.
MORTGAGE
A legal document that pledges a property to the lender as security for payment of the debt.
MORTGAGE INSURANCE
A contract that insures the lender against loss caused by a mortgagor's default on a government mortgage or a conventional mortgage.
NET-WORTH
The value of all of a person's assets, including cash, minus all liabilities.
PRIME RATE
The interest rate that banks charge to their preferred customers.
PRINCIPAL
The amount borrowed or remaining unpaid.
REAL ESTATE AGENT
A person licensed to negotiate and transact the sale of real estate on behalf of the property owner.
REALTOR®
A registered collective membership mark which identifies real estate professionals who are members of the National Association of REALTORS® and subscribe to its strict Code of Ethics.
SURVEY
A drawing or map showing the precise legal boundaries of a property, the location of improvements, easements, rights of way, encroachment, and other physical features.
TITLE SEARCH
A check of the title records to ensure that the seller is the legal owner of the property and that there are no liens or other claims outstanding.
TRUTH-IN-LENDING
A federal law that requires lenders to fully disclose, in writing, the terms and conditions of a mortgage, including the annual percentage rate and other charges.
UNDERWRITING
The process of evaluating a loan application to determine the risk involved for the lender.
your support TEAM
DIRECTOR OF FIRST IMPRESSIONS
OUR TEAM AND BUSINESS PARTNERS WORK DIRECTLY WITH OUR AGENTS TO ASSIST YOU FROM START TO FINISH.
Our Director of First Impressions greets guests when they arrive in the office and directs questions or needs to the appropriate people.
LEADERSHIP MARKETING TEAM
Our Marketing team works directly with our agents, helping to provide sophisticated marketing strategies and solutions that are on trend and at the forefront of the market.
Our leadership team oversees the office and our agents while guiding them when needed. They can help troubleshoot any issues should they arise. From our office manager to our President, we are all a team.
Our in-house title company, Guaranteed Title Group, provides title insurance and closing services. They work closely with our agents to ensure that a clear title and documents are correct and delivered on time.
Our in-house mortgage company, Group Mortgage, LLC is a full-service mortgage banker founded on the principle of lending with excellence, integrity and distinction. Group Mortgage, LLC is committed to an on-time closing and a streamlined, satisfying home-financing experience.
Our partnership with Collective Insurance Group provides an all-in-one insurance solution. Whether you require home and auto insurance, coverage for your small business, or even home warranties, Collective Insurance offers a wide range of resources to streamline your insurance experience, with an unwavering commitment to safeguard what matters most to you.
WE ARE NINJA.
Ninja is a training system based on a philosophy of building relationships, listening to your customer, and helping them achieve their goals. It is a philosophy that rejects pushy sales tactics.
caring for our HOME COMMUNITY
For over 75 years, Bray & Company has been committed to giving back to the local communitythrough volunteering and financial support of many different nonprofit organizations.
The Bray Cares Foundation was created to help serve housing-related needs on the Western Slope with grant opportunities, such as:
Provide emergency shelter and/or rent assistance
Offer affordable housing and housing for people living with special needs
Provide services to help seniors stay in their homes
Assist veterans with housing needs
"Over the years, our company has contributed to a variety of organizations here in the community. We think it is time to focus our efforts a little more and increase both our funding and our leadership in the area of housing-related needs in Mesa County," says Robert Bray, CEO.
During the COVID-19 crisis, Bray & Company launched the Caring for Our Home Community fund to enable full-service dine-in restaurants to provide healthy meals through local nonprofits. In 2020, the company raised and delivered over $60,000 to local restaurants that were hit hard by the pandemic, and in turn they were able to serve over 8,500 meals to those in need.
Bray & Company also volunteers regularly with Habitat for Humanity and Kids Aid.
