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What to expect from a powerful St George Buyers agent

Okay so you are ready to buy or are you just starting the process of purchasing St George real estate? Is your time valuable? Have you been qualified by a professional and competent mortgage lender? Preferably a local lender, and i can help you with that. They know our market and are aware of all the money and assistance that local government is offering. Check this link for more information! St. George Utah Mortgage Lenders

I need information to make the best use of your time and money. Locating and purchasing a home is a big deal and for me to deliver the highest level of service I will need to know and verify certain information. If this is a long term project I am here to help too. The listings I provide on my website are from ALL the Realtors on our Washington County Board of Realtors.

Every single one of my clients works off different timelines and budgets. That’s why there is no one single strategy that fits all the wants and needs of every client. With all the information I can initiate a proven strategy to meet your goals. And have some fun in the process!

Let me take a minute and share with you how i do business. I always arrange a meet and greet at my office in St George and go over your wants and needs. i also want make sure that your lender has made sure you won’t be disappointed! Many of my clients are out of the area so in lieu of an office visit I will be happy to arrange a phone consultation.

FAQ about our buyer/broker agreement…..

‘I know you want to show me homes, but why do I need to sign a broker’s agreement?’

“We’d never ask you to sign anything that had no benefit to you,”

“But it sounds like you might have a concern.”

“If there was a benefit to signing it and working with an agent, would you do it?”

“Do you only want to look at places that are active on the market, or do you want to see all of them? Including ones that tried to sell or didn’t, or maybe the for sale by owner [FSBO], or pocket listings.

“We don’t want to lock you into anything; we can cancel it if we’re not getting along or something doesn’t work out, but I want to open up all the homes possible to you. The agreement means that I understand that you commit to working with me to find you a home, and I’m going to owe you work and respect.”

Why Sign a Buyer’s Agency Agreement ASAP?

When I am asked ‘I know you want to show me homes, but why do I need to sign a buyer/broker’s agreement?’

My answer is always the same. “I would never ask you to sign anything that had no benefit to you,”  “But it sounds like you might have a concern.

“If there was a benefit to signing it and working with an agent, would you do it?” I added. “Do you only want to look at places that are active on the market, or do you want to see all of them? Including ones that tried to sell or didn’t, or maybe the for sale by owner [FSBO], or pocket listings.

“We don’t want to lock you into anything; we can cancel it if we’re not getting along or something doesn’t work out, but I want to open up all the homes possible to you. The agreement means that I understand that you commit to working with me to find you a home, and I’m going to owe you work and respect.”

And there is lots to show that is not just “on the MLS”. So let’s make the best use of your time and my knowledge!

Call me today so I can give you a private tour and show you the inside of all the homes for sale that meet your criteria in Washington County in less than two hours! I can show you any home for sale in the St George area listed by any company anywhere in the city. Then you don’t have to keep searching for open houses on the weekend. We can go anytime you want. Let’s get you out there.

Contact me and I can help get you fully qualified because when you find that perfect home in southern Utah you will want to be ready to write the offer on your new home. You do not want to lose your dream home because someone had a strong qualification letter from their lender showing that they are capable of purchasing the home. Contact me and I can help direct you to the lender that will do the best job for your particular situation.

Showing Homes in St George Utah-What really happens

Have you ever wondered what goes on when you contact a St George Realtor and want to look at homes. Well I have some answers and you may be surprised. First off your Realtor will ask you questions about your wants and needs and then a great Realtor will make sure you can actually pull the trigger once a home is identified. As your Realtor I go right to work to make sure the best use of your time and my time is maximized. I start by narrowing the search! Then I may even do a drive by or preview the homes before I waste any of your time. I want to make sure we hit the nail on the head. I may take hours calling agents and homeowners to set, coordinate, and schedule appointments. In almost all cases homeowners will need to make sure their home is presentable and in great showing condition. Then they must vacate the home to allow the potential buyer the freedom to examine the home with no pressure. In some instances when a seller has a family they will need to pack the kids and leave for an hour or so. I am sure you can appreciate the energy and time spent by all up to this point. I may ask you questions about each home to prepare to give feedback to the homeowners or sellers agent. Depending on my buyers requirements it may take hours of searching and many miles of driving to make sure a outstanding job is done. As a Realtor I need to make sure for everyones benefit that my clients/buyers are fully qualified and ready to make the move! As a realtor I can safely say we spend hours behind the scenes before offers are written, prices are negotiated and you take ownership of your new home.  Another important step is getting the agency agreement signed allowing your Realtor to represent and act as your advocate. As your St George Realtor I need to know before I  share my years of experience, skills and spend hours setting appointments, driving around and screening homes that my time is also spent wisely. It’s not uncommon for your Realtor to spend hundreds of dollars in fuel and vehicle maintenance with one client. So please understand it is important for us to work as team to make sure that this is all possible. I promise you will be glad I do ask questions yourself.  ask the questions when I ask them. And please never hesitate to. Keeps disappointment to a minimum. I have great lenders that can help you and I hit the bulls eye! So to access my years of experience, skill sets and training I will ask you to sign a buyers agency agreement before we look at any homes for sale in St George Utah. So take advantage of my experience and let’s get signed up and start looking! You will be glad you did!!! Allow me to earn your business.

Thank you so much and have a great day!

Walter

1% Down for St George Utah Real Estate!

Yes that’s correct! Buy a home in St George or Washington County with only 1% down through Guaranteed Rate’s new Double Match program. You put down 1% and they will kick in the the other 2% of your down payment! This applies to conventional loans up to $417K! You don’t have to pay the grant back! You will need a minimum of 680 FICO score and a 49% debt-to-income ratio. You will also need to go through home ownership counseling if all buyers are first time home buyers.

This is a fantastic opportunity to purchase St George Utah real estate with a user friendly loan and great rates! My buddy Doug Cook is my go to guy at Guaranteed Rate Mortgage in St George Utah. Doug is also a veteran and enjoys helping his fellow veterans here in southern Utah gain home ownership with a VA loan. Contact me and I will set a meeting with Doug so you can find out what type of loan will work best for you.You won’t find a more dedicated loan professional anywhere. Doug brings his dedication and service experience from years of serving our country to you! Don’t hesitate this won’t last forever!!

St George Utah real estate is a fantastic value in so many ways!

Call me today so I can give you a private tour and show you the inside of all the homes for sale that meet your criteria in Washington County in less than two hours! I can show you any home for sale in the St George area listed by any company anywhere in the city. Then you don’t have to keep searching for open houses on the weekend. We can go anytime you want. Let’s get you out there.

Contact me and I can help get you fully qualified because when you find that perfect home in southern Utah you will want to be ready to write the offer on your new home. You do not want to lose your dream home because someone had a strong qualification letter from their lender showing that they are capable of purchasing the home. Contact me and I can help direct you to the lender that will do the best job for your particular situation.

Buyer Beware of FIRPTA

AKA Foreign Investment in Real Property Tax Act or FIRPTA. Love government acronyms…don’t you? If you are a St George real estate buyer and your agent does not do everything correctly you could and will be liable for a huge tax liability on the St George and Washington county real estate or home you purchase. The sale or disposition of a U. S. real property interest by a foreign person is subject to income tax withholding under FIRPTA. Your buyers agent better be up to speed on this, unless of course you, as a buyer want to pay twenty percent of the sales price to the U. S. government. No I didn’t think so. You will be responsible for that tax money to be paid if the real estate agents don’t handle this correctly. this is new stuff so be prepared to find mystified Realtors! Go with experience and an agent that is constantly training and taking courses to keep their clients safe from troubled waters. There are many pitfalls for buyers and sellers and i pride myself in making sure these pitfalls are prevented and or dealt with correctly.

Call me today so I can give you a private tour and show you the inside of all the homes for sale that meet your criteria in Washington County in less than two hours! I can show you any home for sale in the St George area listed by any company anywhere in the city. Then you don’t have to keep searching for open houses on the weekend. We can go anytime you want. Let’s get you out there.

Contact me and I can help get you fully qualified because when you find that perfect home in southern Utah you will want to be ready to write the offer on your new home. You do not want to lose your dream home because someone had a strong qualification letter from their lender showing that they are capable of purchasing the home. Contact me and I can help direct you to the lender that will do the best job for your particular situation.

 

St George Energy Star Certified Homes for Sale

With the heightened awareness and concern for our environment an Energy Star Certified home makes a lot of sense in St George and southern Utah. I have a custom search page already that includes  St George Utah homes for sale with one or more energy saving certificates. Also known as Green Certification’s.

All southern Utah and St George ENERGY STAR certified new homes are designed and built to standards well above most other homes on the market today, delivering energy efficiency savings of up to 30 percent when compared to other typical new homes. A new home that has earned the ENERGY STAR label has undergone a process of inspections, testing, and verification to meet strict requirements set by the U.S. Environmental Protection Agency (EPA), delivering better quality, better comfort, and better durability.

I am an expert on Energy Star certified homes in St George and southern Utah and look forward to helping you make the best use of your time and money.

Call me today so I can give you a private tour and show you the inside of all the homes for sale that meet your criteria in Washington County in less than two hours! I can show you any home for sale in the St George area listed by any company anywhere in the city. Then you don’t have to keep searching for open houses on the weekend. We can go anytime you want. Let’s get you out there.

Contact me and I can help get fully qualified because when you find that perfect home in southern Utah you will want to be ready to write the contract for your new home. You do not want to lose your dream home because someone had a strong qualification letter from their lender showing they are capable of purchasing the home. Contact me and I can help direct you to the lender that will do the best job for your particular situation.

Vegan St George Realtor

Hi folks. Just wanted to throw this out there because you never know what matters to my clients. I adhere to a strict plant based diet. Because of this some of my life philosophies have taken a turn for the better as well. At least I think so. I support all life on the planet and no killing of animals.  Commercial animal farming is out! I eat all organic so I am against the use of chemicals in our food and agriculture. I feel there is  no humane way to kill an animal. Continue reading

St George Buyer’s Agent- Signing Agency Agreement

Many people, Realtors included are hesitant to bring up the subject of signing a Buyer’s Agency Agreement. Why is this so important you might ask yourself. Right out of the box a Realtor in St George Utah without the buyer’s agency agreement represents the seller by default! Remember you wouldn’t hire your spouse’s attorney to represent you in a divorce. Would you? Continue reading

55 and over Communities in St George Utah

Search for all the 55 and over communities in St George Utah right here. We offer the most advanced FREE St George MLS search available on the internet today to search for senior communities in sunny St George! It’s no wonder why St George got rated the number one retirement community in the USA in 2014. Just click on the link “The top small city retirement destination in 2014” and see what why St George Utah is the top place to retire. With lots of choices in housing and a plethora of southern Utah retirement communities in Washington County you are sure to find something you will like. Clean air, water and a unique lifestyle contribute to the accolades we receive. This isn’t the first time St George has been picked as a best bet for retirement. Just check this link “Cheapest cities to live”.

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Mortgage Forgiveness Tax Relief Act Passed Gas in St George Utah

Don’t be fooled folks. Here in St George Utah and everywhere else in this country the government has failed us again. The federal tax code treats forgiven debt as ordinary income to the borrower, taxable at regular rates. But under an exception that took effect in 2007, qualified home mortgage debt that is canceled by a lender as part of a short sale, loan modification or foreclosure is treated as non-taxable. However, that exception expired last Dec. 31 and its renewal has been in doubt all year — leaving short-sellers unsure whether they would be facing crushing taxes in 2015. Continue reading