2021 Home Buyer Handbook

Home Buyer

Handbook

Dear Valued Client, I want to thank you in advance for taking the time to read this handbook and consider the information provided. On each page we want to show you how important you are to us, how important the purchase of your home is, and how much the Robbie Breaux Team loves this community. We are so excited for the opportunity to serve you in all your Real Estate needs.

The compass has been around for nearly 2000 years and has always had one purpose. To guide people home. We want to be your tool to do just that! Our mission is to serve you at the highest level and provide the best customer care in the industry.

Helping you purchase your home is a team sport and we trust that after reviewing this information and seeing the successful results of our approach, you’ll want to team up with us! Thank you for your consideration and we are excited for the opportunity to serve you and to share our PROMISE with you!

Robbie Breaux

Meet Your Team

A real estate team unites clients, agents, administrative staff and automated systems together to provide a vast array of services rapidly and with great attention to detail.

As a tight-knit, experienced team we provide you with high-quality, beneficial services that bring real value to a transaction.

Robbie Breaux Team Leader

Amber Parker

Operations Manager

Anne-Marie Drouant Listing & Buying Specialist

Jessica Menard

Listing & Buying Specialist

Heather Breaux Team Manager

Laurie Kraemer

Listing & Buying Specialist

Gerren Benoit

Listing & Buying Specialist

Rachel Thomas

Listing & Buying Specialist

In 2020

Robbie Breaux & Team

HELPED

175 FAMILIES!

(and over 2,000 families to date) That’s One House Every 47 Hours!

The Average Agent Sells 4.46 Properties a Year

Clients for Life

We’re creating relationships that last a lifetime!

Our Goal is to build lifelong relationships with our clients that last well past the closing table. We have several events each year that allow us to stay connected with you! We also send out a few mailers that we hope will provide value to you and your family! Whether it is coming to an event o calling us if you ever need a plumber recommendation, we look forward to being your resource both now and in the future!

Don’t Just Take Our Word For It We have over 100 Raving Reviews on Zillow!

“We were confident in Robbie from the beginning to the end of our home sale. His experience help set appropriate expectations for what we inevitably faced during this process. We highly recommend them to anyone looking to sell or buy.”

“Laurie is Kind, Professional, and Prompt! She took care of me like I was her own child.”

“Jessica is amazing, love her ! Extremely helpful and communicated with me every step of the way!”

“Rachel was AMAZING during the whole process. She is very knowledgeable, always available and worked very hard to get me a great deal.”

“Anne-Marie by far exceeded all of our needs. We had a very unique home and we knew it would take the perfect client looking for that diamond in the rough. She worked tirelessly, using every strategy there was to use. Caring, knowledgeable, with dogged determination.”

Let Us Gu BUYER EXCLUSIVE AGENCY AGREEMENT

The Home Buying Process Simplified

DETERMINE

Your Purchasing Power!

Get Pre-Approved!

HIRE

A Real Estate Agent that you can TRUST! X Signature

MAKE AN OFFER

DECIDE

PRESENT THE OFFER

The Buyers Agent sends in the offer & the Listing Agent presents it to the Seller(s).

X Signature

You Find a House You Love!

Key Elements of Your Offer: Price, Closing Costs, Warranty, Comparables in the Area, etc.

ACCEPT

FULLY EXECUTED CONTRACT

COME TO TERMS

When both parties come to an agreement, we have a contract!

ORDER APPRAISAL

The Lender will order Appraisal to determine the value.

INSURANCE

Compare insurance rates & select your policy.

OFFER ORDER TITLE

The Lender will order Title to make sure it’s clear.

UTILITIES

We’ll put you in contact with Acadiana Connection.

X

Signature

X Signature

NEGOTIATE

Repairs Requested or Seller Contribution to Closing Costs.

SCHEDULE

The Title Company will schedule our Closing!

uide You TAR GET

WE CAN HELP

Any house you see, any sign you see in a yard, any website.

Your Moving Timeframe

SEARCH ONLINE Your Agent will set up Listing Notifications.

TOUR

Schedule times to look at the homes in person.

REMEMBER REMEMBER

theThe 80 /80/10/10 10 / 10 Rule Rule

DEPOSIT CHECK

TURN IN FILE

You have 72 hours to turn in the Deposit Check.

Our Transaction Coordinator checks the file!

TRANSACTION COORDINATOR

DUE DILIGENCE

You have an alloted timeframe to investigate anything in the home.

APPLY

Get with your Lender to apply for your financing!

Send to Lender

She will check to make sure all paperwork is correct and no missing signatures or documents. She’ll be working in the background the entire time to keep things moving on deadline.

POSSESSION

FINAL WALK THROUGH You’ll walk through the home one last time before closing.

CLOSING DAY

Bring Legal ID & Cashiers Check for Closing Costs.

Once all documents are signed you are handed the keys!

Start Moving!

Do’s and Don’ts of buying a home!

Lending Guidelines to Follow to Protect Your Loan Approval

DO notify your loan officer if your

DON’T make any large purchases

address changes.

on existing credit without first talking to

DO tell your loan officer if your

your lender.

salary or your co-borrower’s wage changes.

DON’T apply for or acquire any

DO keep documentation for all significant deposits to your bank accounts.

DO report if you transfer funds from

additional lines of credit/credit cards.

DON’T pay off or transfer credit card balances or close any credit card accounts unless instructed by your loan officer.

one bank account to another.

DO acquire homeowner’s insurance as soon as possible after getting under contract.

DO stay current on all your existing credit cards, housing payments, and other accounts/debts.

DO let everyone involved know if you have any vacations planned during the loan process.

DON’T change jobs without consulting your loan officer.

DON’T co-sign for another person to obtain a line of credit or make a purchase.

DON’T pay off any collections unless your loan officer tells you to.

Approximate Home Purchase Costs Deposit / Earnest Money Typically $500-$2,000

Appraisal

$450 Scheduled by Lender

This deposit demonstrates the buyer’s good A licensed appraiser’s professional opinion faith in the transaction. This check is made to of a property’s fair market value, based and deposited with the Real Estate Company on their analysis of the property and or Title Company. surrounding sales.

Inspections

Home Inspections - $400 Termite Inspection - $100 A home inspector serves as a general practitioner to identify potential problems in the home before a buyer purchases a home that may have significant issues. Should problems be found generally you will call in a specialist such as a roofer, electrician, etc.

Down Payments & Closing Costs Home buyers will often pay 0%-20% of the total value of the home, and a bank or other financial institution will cover the remainder of the costs through a mortgage loan. Typically, total closing costs will range between 2-5% of your mortgage loan amount. In today’s market, it is not uncommon for the seller to be asked to pay some or all of the buyer’s closing costs. There is no obligation for the seller to do so, merely a factor of the current market conditions.

No matter how you find a home...

FOR SALE BY OWNER

ANOTHER AGENT’S SIGN

Call Me First!

ONLINE SEARCH

REAL ESTATE SITE (ZILLOW)

The House Hunting Checklist Property Address: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Price: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Beds: _ _ _ _ _ _ _ Baths: _ _ _ _ _ _ _ Sqft: _ _ _ _ _ _ _ _ _

THE HOME

THE FEATURES

Exterior Condition

Kitchen Appliances

Floorplan

Laundry Appliances

Kitchen

Fireplace

Living Room

Patio/Balcony

Dining Area

Pool

Laundry Room

A/C & Heating Systems

Master Bedroom

Security

Master Bathroom

Roof

Extra Bedrooms Does this house make the short list? Yes No Additional Notes: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ ___________________________________ ___________________________________

Garage Size Backyard/Patio Lot

NOTES ABOUT THE NEIGHBORHOOD Appearance: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Traffic: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Safety / Security: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ School Zone: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Close to: Work Schools Transportation Shopping Restaurants Parks This house won’t work because: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Overall Rating:

1

2

3

4

5

The House Hunting Checklist Property Address: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Price: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Beds: _ _ _ _ _ _ _ Baths: _ _ _ _ _ _ _ Sqft: _ _ _ _ _ _ _ _ _

THE HOME

THE FEATURES

Exterior Condition

Kitchen Appliances

Floorplan

Laundry Appliances

Kitchen

Fireplace

Living Room

Patio/Balcony

Dining Area

Pool

Laundry Room

A/C & Heating Systems

Master Bedroom

Security

Master Bathroom

Roof

Extra Bedrooms Does this house make the short list? Yes No Additional Notes: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ ___________________________________ ___________________________________

Garage Size Backyard/Patio Lot

NOTES ABOUT THE NEIGHBORHOOD Appearance: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Traffic: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Safety / Security: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ School Zone: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Close to: Work Schools Transportation Shopping Restaurants Parks This house won’t work because: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Overall Rating:

1

2

3

4

5

The House Hunting Checklist Property Address: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Price: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Beds: _ _ _ _ _ _ _ Baths: _ _ _ _ _ _ _ Sqft: _ _ _ _ _ _ _ _ _

THE HOME

THE FEATURES

Exterior Condition

Kitchen Appliances

Floorplan

Laundry Appliances

Kitchen

Fireplace

Living Room

Patio/Balcony

Dining Area

Pool

Laundry Room

A/C & Heating Systems

Master Bedroom

Security

Master Bathroom

Roof

Extra Bedrooms Does this house make the short list? Yes No Additional Notes: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ ___________________________________ ___________________________________

Garage Size Backyard/Patio Lot

NOTES ABOUT THE NEIGHBORHOOD Appearance: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Traffic: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Safety / Security: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ School Zone: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Close to: Work Schools Transportation Shopping Restaurants Parks This house won’t work because: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Overall Rating:

1

2

3

4

5

The House Hunting Checklist Property Address: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Price: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Beds: _ _ _ _ _ _ _ Baths: _ _ _ _ _ _ _ Sqft: _ _ _ _ _ _ _ _ _

THE HOME

THE FEATURES

Exterior Condition

Kitchen Appliances

Floorplan

Laundry Appliances

Kitchen

Fireplace

Living Room

Patio/Balcony

Dining Area

Pool

Laundry Room

A/C & Heating Systems

Master Bedroom

Security

Master Bathroom

Roof

Extra Bedrooms Does this house make the short list? Yes No Additional Notes: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ ___________________________________ ___________________________________

Garage Size Backyard/Patio Lot

NOTES ABOUT THE NEIGHBORHOOD Appearance: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Traffic: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Safety / Security: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ School Zone: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Close to: Work Schools Transportation Shopping Restaurants Parks This house won’t work because: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Overall Rating:

1

2

3

4

5

Call/Text (337) 267-4099 Info@RobbieBreaux.com 102 Camille Street | Lafayette, LA 70503

Browse All Listings On Our Website:

www.RobbieBreauxTeam.com

102 Camille Street, Lafayette, LA 70503 • (337) 267-4099 • Licensed in Louisiana • Printed 1/01/2021