Properties of Distinction Agents for Life
THE HOME BUYING PROCESS
A Premier Real Estate Brokerage
1,800+
Established in 2007, Dave Perry-Miller Real Estate has created a collaborative culture of highly trained and very successful professionals. The standards are high, and an invitation to join the company is considered a privilege and reward for high sales and admiration within the real estate community.
With four locations that allow us to specialize in marketing the key areas of Dallas, our approximately 350 agents represent properties of distinction throughout North Texas, helping clients buy and sell everything from high-rises to ranches.
Dave Perry-Miller Real Estate’s parent company, the Ebby Halliday Companies, is the No. 1 real estate brokerage in North Texas. This relationship allows us to heavily market properties beyond Dallas city limits. And our affiliations with the worldwide network of Luxury Portfolio®, Leading Real Estate Companies of The World®, and Mayfair International Realty, enable us to showcase properties to buyers from all over the world. Your listing receives superior exposure in not only national print and digital media, but also on an international stage.
The legacy of Ebby Halliday, who founded her namesake company in 1945, is carried out daily through 1,800-plus agents and staff and in-house mortgage, insurance and title companies. It is now amplified by our affiliation with HomeServices of America.
Acquired by HomeServices in 2018, the Ebby Halliday Companies are modernizing homeownership services and are focused on ensuring that homeownership is available to everyone who wants to own a home. In addition to our three real estate brands, the Ebby Halliday Companies partners with these essential services: Prosperity Home Mortgage, HomeServices Insurance, and Independence Title.
A Respected Brand Built on a Foundation of Service
Ebby Halliday was known for being a pioneer in the real estate industry. She created opportunities for others not only in Texas but around the country by the sheer force of her example and influence. She opened the doors to successful careers for thousands of people – in particular women, at a time when professional options were limited. Ebby was widely admired for her passionate leadership and tireless altruism, and her energy and enthusiasm knew no bounds. She lived her life by a simple saying:
“Do
Something for Someone Every Day.”
Ebby’s approach to life was contagious, and anyone who worked with or for her, couldn’t help but adopt the sentiment as their own. It’s why service has become a distinguishing hallmark of the company culture. To this day, these three principles guide us as individuals and as a brokerage:
EBBY HALLIDAY ACERS, FOUNDER
EBBY HALLIDAY COMPANIES
10 Ways We Assist Homebuyers
Real estate transactions are complicated. We’re here to simplify the process. Below are just a few of the things we’ll do for you to enhance your experience.
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HELP YOU GET A MORTGAGE
We will assist you in finding the ideal lender, counsel you on working effectively with them, and keep tabs on the status of your mortgage.
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NARROW YOUR SEARCH
We will work with your needs and wants, focusing on properties that meet your specific criteria.
WRITE A STRONG OFFER
We will ensure that your offer stands out, while also protecting your interests.
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NEGOTIATE AN ATTRACTIVE PRICE
We will negotiate on your behalf to ensure that you get the best deal possible.
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NEGOTIATE REPAIR REQUESTS
If issues are discovered during the home inspection, we will help negotiate repairs with the seller.
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COORDINATE THE INSPECTION
We can assist you in scheduling the home inspection to identify potential repairs and deficiencies.
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ADVISE PROFESSIONAL SERVICES
We will advise you to enlist the services of professionals: home inspectors, contractors, lenders, home warranty companies.
COMMUNICATE WITH SELLERS AGENT
We will communicate all pertinent information throughout the transaction.
9 HELP YOU NAVIGATE THE ESCROW AND CLOSING PROCESS
A lot happens during escrow and before closing, and we will help you through this process in a streamlined manner
ASSIST WITH POST-CLOSING DETAILS
Moving services? Utilities? Electricians? Pool companies? We know just the one!
My Buyer Services
Review the law of agency and your options for representation
Organize the homebuying process
Guide you through the financing possibilities and home inspection preferences
Help you locate the home best suited to your family’s needs and financial ability
Provide you with information on available homes - both new and pre-owned
Review and discuss location, schools and any special features you desire
Show you homes at times that are convenient to you
Provide daily updates on homes new to the market or soon to be on the market
Provide you with a competitive market analysis on homes that are of interest to you
Disclose all known information about properties and neighborhoods that are of interest to you
Review the Homestead law and property tax rates that apply to homes of interest
Review the Seller’s Disclosure Notice with you
Explain the Purchase Agreement and all addenda, and help you plan your offer
Prepare a closing-cost estimate and explain clearly your financial responsibility
Prepare, if needed, a market evaluation and an estimate of proceeds from the sale of your present home
Strategize and negotiate on your behalf your offer to the seller
Follow up throughout the contract-pending process to ensure that all contract provisions are fulfilled in the required time
Help you find the most advantageous financing and monitor the loan approval process
Assist you in finding appropriate insurance coverage
Monitor the closing process to help ensure that all requirements are completed by the closing date
Assist with post-closing details: moving services, utilities, etc.
Keep you fully informed, and be available to answer your questions at any time
Treat you fairly and honestly, and abide by the Texas Real Estate License Act and the National Association of REALTORS® Code of Ethics
Act as your advocate and ensure your confidentiality with candor and professionalism
Why a Homebuyer Should Buy Through a Realtor®
REALTORS® have sellers’ confidence
REALTORS® can provide an objective analysis of the market
REALTORS® network with other REALTORS®
REALTORS® have access to new properties coming on the market daily
REALTORS® have more constant exposure
REALTORS® help the buyer be less inconvenienced
REALTORS® help the buyer enjoy more security
REALTORS® offer professional showmanship
REALTORS® can follow up effectively
REALTORS® can ask personal questions the buyer can’t
REALTORS® are trained to handle impatience
REALTORS® understand the buyer’s wants and needs
REALTORS® can negotiate without conflict
REALTORS® can provide closing-cost estimates
REALTORS® have access to reputable lenders
REALTORS® can help avoid legal problems
Successful Steps to Buying Your Home
Buyer begins loan process, exploring financing options
Buyer views and selects property
Buyer and seller reach contractual agreement, buyer’s option check delivered to the title company
Buyer’s earnest money is deposited in a trust account with the title company
Title company receives contract and earnest money check is cashed and: begins search on title issues title commitment to lender
Buyer’s option period begins and inspections/repairs/amendments are initiated
Buyer arranges required insurance on property
Coordinate expiration of buyer’s option period
Buyer continues loan process with lender: appraisal ordered all buyer verifications processed
verify any lender repair requirements to property
verify any buyer requirements of lender prepare buyer’s loan package for final approval by lender closing department prepares buyer’s papers for closing
Survey ordered for property
Verify any re-inspections required by lender
Title company follows up with buyer and seller:
title company receives instructions/prepares papers from lender
title company coordinates and prepares additional closing papers
title company coordinates and closes the sale
disbursement of funds per closing instructions proper filing of closing documents
Possession is given to buyer upon closing and funding
Value & Benefits of Starting Your Loan Process Now
Buyer should start the loan process early and get pre-approved.
Determine a maximum loan amount for qualification on purchasing (this will save you time in viewing properties that are out of your price range)
Learn of all financing options and special loan programs available
Discover any credit issues that may need to be corrected
Know the total cash needed for your purchase
Know what financing concessions can be negotiated with the seller on your behalf
The negotiating position of a buyer is greatly strengthened if a loan is in place
Prior to meeting with your loan officer, obtaining the documents listed below will facilitate the loan process. To help organize the process, use the following easy-to-reference checklist. For reduced document or no document loans, please contact your loan officer. The following list is a standard mortgage checklist for traditional full-documentation loans.
Copy of sales contract
Residence address for past two years (if renting, include Landlord’s address and telephone number)
Employer’s name(s) and address for past two years (if self-employed, tax returns for two years)
W-2s for past two years and pay stubs for most recent thirty-day period
Names, addresses, account numbers for any mortgages held in the last two years; Closing Disclosure settlement statement of properties sold in last two years
Names, addresses, account numbers and balances of all liquid assets including checking, savings, investments, IRAs, 401K, etc.
Last two months’ statements on the above accounts
Names and account numbers, balances, and monthly payments on all debts
If submitting a VA application, Certificate of Eligibility and DD 214
Funds to pay fees for appraisal and credit reports
Buyer Representation: Value & Benefits to a Buyer
LOYALTY
The agent must always act in the best interest of the buyer, and never place the agent’s interests first or take advantage of the buyer
OBEDIENCE
The agent must follow the lawful instructions of the buyer
DISCLOSURE
The agent must disclose all material facts as required by the Law of Agency, the Texas Real Estate License Act, and the REALTOR® Code of Ethics
CONFIDENTIALITY
The agent may not discuss or disclose facts or information about their client that should not be revealed to others
DUTY OF ACCOUNTING
The agent must report and account for all monies received on behalf of the buyer
REASONABLE SKILL AND CARE
The agent must render knowledge, expertise, information, and assistance to the buyer; must investigate the material facts related to the sale; and must work to obtain the best price, terms and conditions for the buyer
THE BUYER HAS THEIR OWN REPRESENTATION
The buyer can develop a working relationship with one trusted agent, and can be confident that they have hired an accountable professional to fully represent their interest.
Homebuying Process
home needs and review the Buyer Representation Agreement
Start loan application to become pre-approved. Approval Letter will be required prior to making an offer to purchase a home.
The Importance of Hiring a Buyer’s Agent: Protecting Your Investment
EXPERTISE AND MARKET KNOWLEDGE:
Buyer agents analyze market trends, evaluate property values, and identify suitable listings based on client preferences and budget. Utilizing a buyer’s agent ensures you are aware of all properties for sale that meet your criteria, including possible off-market properties.
GUIDANCE AND SUPPORT:
Buyer agents offer insights into neighborhoods, schools, and local amenities, helping clients make informed decisions. Additionally, they provide access to a network of trusted professionals, including lenders, inspectors, and contractors.
OVERALL VALUE:
Buyer agents bring expertise, advocacy, and dedication to help clients achieve their real estate goals, providing a seamless and rewarding home-buying experience
ADVOCACY AND NEGOTIATION:
Buyer agents negotiate on behalf of clients to secure the best deal, whether it involves purchase price, contract terms, or contingencies, aiming to protect their interests and maximize investment.
STREAMLINING THE PROCESS:
Buyer agents handle paperwork, schedule inspections, and coordinate with other professionals involved in the transaction, ensuring a smooth and efficient process from start to finish.
PREQUALIFYING FOR A HOME MORTGAGE
The Importance of Prequalifying for a Home Mortgage
PREQUALIFYING FOR A HOME MORTGAGE IS CRUCIAL BECAUSE IT:
• Clarifies your budget, focusing your home search.
• Boosts your credibility with sellers, making your offers more attractive.
• Speeds up the closing process by simplifying mortgage approval.
• Provides insight into potential interest rates and monthly payments.
• Highlights any financial areas for improvement before buying.
• Strengthens your negotiation position, showing you’re serious and ready to buy.
• Reduces house-hunting stress by giving you financial confidence.
It Pays to Get a Second Opinion
VALIDATION OF OPTIONS:
A second opinion can confirm that the mortgage product you’re considering is indeed the best fit for your financial situation and goals. It helps ensure that you’re not missing out on potentially better terms or rates available in the market.
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