Home Buyer Guide: Presented by T.C. Hyatt & Associates
What Buyers Want Mos,1 from their real estate pro
Top 3 Things That BuyersWant Most from their Real Estate Professional*
0 Help find the right home
f) Help with negotiations
@ Help with paperwork including financing
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Meet the Hyatt’s Homes Team:
T.C. HYATT, Broker & Listing Specialist—
As a caring and knowledgeable Snohomish County Real Estate professional, T.C. Hyatt boasts over 20 years of Real Estate experience in the Snohomish County area. T.C. currently lives in the Mill Creek area with his wife and three adorable daughters. Whether it’s for his family or his clients, T.C. pours himself into everything he does. He is committed to making the buying and/or selling process a seamless and rewarding experience from beginning to end.
As a result of T.C.'s time, effort and client attention he is known as "a neighborhood and client expert". T.C. strives to perpetuate 100% customer satisfaction with every transaction.
Julie Ochoa, Broker & Buyer Specialist—
As a Buyer’s Specialist with the Hyatt’s Homes Team, Julie offers a first-class home buying experience to all of our clients. With her past Real Estate education, knowledge of Snohomish County and years of sales experience Julie can turn the stress and uncertainty of buying a home into the exciting event it should be. Julie has been well educated in the various changes in our housing markets and is able to successfully guide our clients on the journey of buying a home. With Julie’s incredible customer service and an easy personality, you will truly enjoy your time finding for your perfect home.
Joy Miller, Executive Assistant and Transaction Coordinator—
As the Executive Assistant and Transaction Coordinator with the Hyatt’s Home Team, Joy is available in the office to field calls, email and manage transactions. In Joy’s 11 years as a member of our team she has handled the everyday flow over 550 properties and is the very best at what she does. Joy’s 21 years of Real Estate knowledge and professionalism has been an enormous contribution to our team and I have no doubt you will enjoy corresponding with her throughout your transaction.
REPRESENTATION:
WHY BUY WITH US?:
Experts in strategies and negotiations.
As your trusted advisor and advocate we will be your representative throughout the entire process.
Available staff to assist with paperwork.
1 yr. Home Warranty provided to all Buyer Clients.
Superior Real Estate experience and Market knowledge to help you make an informed decision.
Hyatt’s Homes Team
We allow you to control your home search process.
From the home search to the day you get your keys, we are committed to you.
We will anticipate and communicate with you from home search to closing day.
Listen, discover and understand what’s important to you.
Property Tracker, Market Insights updates, and Mobile App with GPS home search tools.
PROPERTY SEARCH TOOLS:
Property Tracker with Market Insights:
• Receive emails alerts of newly listed properties as soon as they hit the market.
• Create and save your searches.
• Get status updates of your favorite properties.
• Received monthly insights on any saved searches (Market activity and trends, stats, 6 month comparison, average prices and supply of inventory).
• Allows for easy access to search for homes anywhere, anytime.
• The GPS feature allows you to see all properties (active, pending or sold) in your vicinity.
• Connects you to your Property Tracker account to save favorites on the go.
• Comprehensive property details with photos.
• Road and satellite map views.
JLS Mobile App:1 YEAR HOME WARRANTY:
*For our client’s piece of mind the T.C. Hyatt Team provides a 1 year home warranty to all Buyer Clients at closing.*
What is a home warranty? A home warranty is a renewable service contract offering protection for a home’s major systems and appliances. A home Warranty can protect home sellers from costs and delays during the listing period as well as protect homebuyers from costly breakdowns after closing.
What are the benefits? With a First American home warranty, when a covered system or appliance fails, if we can’t repair it, we’’ replace it.
*We have a network of independent pre-screened service providers and technicians and we are committed to providing you with outstanding service and value.
Contact a Mortgage advisor TODAY! DONOVAN PITTMAN Loan Officer, NMLS # 487514 Email: Donovan@Northshorecf.com Website: www.donovanpittman.com Phone: 206-818-6852 Northshore Capital Funding 15712 Mill Creek Blvd. Ste. 7, Mill Creek WA 98012 There is a different between being pre-approved and actually being fully underwritten for a loan. Gain a competitive advantage and be in a stronger position to negotiate with Sellers. CERTIFIED MORTGAGE READY: What to do: What not to do: Get your documents in order (tax records, paystubs, bank and financial statements, etc.) Change jobs, become self-employed or quit your job Be realistic about what you can afford. Get a car loan or add another large debit during the transaction process Prepare a personal budget Use credit cards excessively or let current accounts fall behind Consider your long term real estate goals Spend money you have set aside Meet with a Mortgage Advisor. Originate any additional inquiries into your credit Be Mortgage Smart:
ESTIMATED CLOSING COST/LOAN FEES:
FINDING A HOME:
WHAT’S IMPORTANT TO YOU?
Define Your Goals and Expectations:
school district, close to work, easy commute, parks/trails, secluded, intown, waterfront etc.)?
Location: Where are you looking to live and what is important to you in the area (specific
A/C, highspeed internet, HOA etc.)?
floor, bonus rm/loft, home office, large garage (3+ car, workspace), shop, outdoor living space,
Home Wish List: What extras are you looking for in your home (primary bdrm on the main
Lot Size: ____________
Condition: (turnkey,fixer,light update/DIY): ______________________
Price Range: _______________
Sq. Ft.: _____________
Bdrms: __________
Baths: _________
Home Specifics:
Have you been Preapproved/Certified
Mortgage
Ready? Y / N
Have you met with a Mortgage Advisor? Y / N
Phone No(s):___________________________
Email(s):_______________________________
Name(s):_____________________________________________________________________
Buyer Information:
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Team Property Search W
The T.C.
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orksheet:
BUYER READY, DAY ONE:
Contact a Mortgage Loan Advisor to discuss your loan options. Make Application and get Certified Mortgage Ready to be one step ahead of competing Buyers.
Donovan Pittman, Mortgage Loan Advisor donovan@northshorecf.com
Phone: 206-818-6852
www.donovanpittman.com
FINDING THE RIGHT HOME:
Contact a Buyer Specialist. Discuss your property specifics and location with your Buyer Specialist to build your property search. Drive unfamiliar areas to eliminate any undesirable areas to narrow your search. Have your Buyer Specialist set you up on the Property Tracker and download the Mobile App.
Julie Ochoa, Buyer Specialist
julieochoa@johnlscott.com
Phone: 209-380-8121
Www.julieochoa.johnlscott.com
MUTUAL AGREEMENT:
Congrats! At this point your offer was chosen by the Seller and the contract/PSA has been signed. Prepare and deposit your Earnest Money with your assigned Escrow Team on time to avoid default.
*Typical Earnest Money amount is 1%-2% of the purchase price.
Provide updated financial documentation to your Mortgage Loan Advisor.
APPRAISAL AND LOAN COMMITMENT:
The Hyatt’s Homes Team Transaction Coordinator will provide a copy of the Mutual Contract/PSA to your Lender. Make sure to request your Lender to order your Appraisal.
*The appraisal is the a Buyer’s expense and this expense is typically rolled into your loan. Provide all documentation requested by your Lender in a timely manner and work with your Lender to make sure that your loan stays on target for Final Loan Approval.
PREPARING AND NEGOTIATING YOUR OFFER:
The Hyatt’s Home Team Buyer Specialist will discuss price, terms, contingencies, concessions and timing options with you that may make your offer stronger than other Buyers looking in your search area. They will also contact the Listing Agent to discuss how many offers are in hand and what terms are most important to the Seller.
TITLE AND ESCROW:
The Hyatt’s Homes Team Transaction Coordinator will provide your Mutual Contract/PSA to your assigned Title and Escrow Team for you.
Provide any information requested by your Title and Escrow Team in a timely manner.
WEEK OF CLOSING:
Make sure to be flexible with Escrow when it comes to your Document Signing Appointment. Have your funds to close prepared. Contact your new utility providers to start services as of your closing day. Your Hyatt’s Homes Team Buyer Specialist will schedule your final walk-through.
HOME INSPECTION:
Choose a Home Inspector and conduct your Home Inspection. The Hyatt’s home Team Buyer Specialist will review the report findings with you and come up with a negotiation strategy for your response to the Seller.
CLOSING DAY/MOVE IN DAY:
Documents will be recorded at the county and you will officially become the new homeowner! Your Hyatt’s Homes Team Buyer Specialist will discuss with you what time you will receive keys and what time you are allowed to take possession of the property.
CONTINGENCIES AND REVIEWS:
The Hyatt’s Homes Team Transaction Coordinator will provide you with all of the contract timelines for the contingencies required of you in your contract/PSA. Make sure you review and respond to documentation and contingencies in a timely manner to avoid default.
THANK YOU
for viewing our Home Buyer Guide. We understand that buying a home is one of the biggest financial and emotional investments you will make. The T.C. Hyatt Team is here to remove the uncertainty and make the process stress free from start to finish.
T.C. Hyatt, Broker / Listing Specialist
Email: tchyatt@johnlscott.com
Website: www.tchyatt.com
Phone: 425-775-2466
John L. Scott Mill Creek Town Center
15522 Main Street #P104, Mill Creek WA 98012
Julie Ochoa, Broker / Buyer Specialist
Email: julieochoa@johnlscott.com
Website: www.julieochoa.johnlscott.com
Phone: 209-380-8121
John L. Scott Lake Stevens
8933 Market Place #H, Lake Stevens WA 98258
Hyatt tchyatt@johnlscott.com Phone: 425-775-2466 www.tchyatt.com Julie Ochoa julieochoa@johnlscott.com Phone: 209-380-8121 www.julieochoa.johnlscott.com
T.C.
