For Buyers Top
We provide Buyer Brokerage services to our clients when they wish to purchase a home. We will locate, value, negotiate and provide transaction management services for our buyer clients during the home buying process.
Feel free to search for your dream home in the comfort of your home by searching the Brevard County Multiple Listing Service (MLS) Click on the Search MLS in our menu.
Buyer Services
As a client of Kehoe Real Estate Services, you will receive a full complement of professional buyer services that include the following:
Counseling to determine YOUR real estate needs.
Inventory matching that meets YOUR needs, wants and desires.
Aggressive negotiating for YOUR price, terms and conditions.
Help with arranging your financing needs.
Preparation for the closing and possession of YOUR selected property.
Professional Services follow up as needed or requested.
As a Kehoe Real Estate Services Client, you will benefit by having a full time Buyer’s Agent. The following is a list of benefits that you receive as a buyer client. The benefits are as follows:
Access to an unlimited inventory of properties from the following sources:
Multiple Listing Service. (MLS)
For Sale By Owners. (FSBO’s)
Estate Sales
Bank owned/REO Properties
New Construction
Custom Home Builders
Satisfaction that the job is done right.
Confidentially
Professional and courteous service, ALWAYS.
As a client of Kehoe Real Estate Services, you have a commitment from us to obtain the best possible price, terms and conditions when purchasing your property. Your savings will be realized through the following services:
We provide each client with and Acquisition Action Plan.
We will Aggressively Negotiate for YOUR price, terms and conditions.
We will provide a complete and thorough market analysis to determine the target property’s real value.
We will disclose all of the discovered strengths and weaknesses of the target property.
Buyer's Fee
Our fees can be paid in a number of ways and they are negotiable. Payment ranges from the Broker crediting the Buyer with the buying portion of the seller’s commission, a fixed fee, hourly rate, a pre-agreed percentage of the selling price or any other option that the Broker and Buyer negotiate.
Finding a Realtor
A buyer should seek a Realtor who is competent, knowledgeable and experienced in the local real estate market place. It is a good practice to locate a Buyers Agent when searching for a home. A Buyers Agent can help a buyer determine their needs, wants and desires with reasonable expectations.
Finding a Home
Relax. Take your time. View as many homes as it takes. Don’t be pressured into purchasing a home that may not fit your needs or budget. These are some of the many reasons that a buyer should hire a Realtor to help with the home search. Realtors have access to many properties through the Multiple Listing Service and other various sources. Realtors are the professionals a buyer should work with.
Ownership Benefits
There are many benefits associated with owning your own home. The most common benefit is that it is a place to call ones own. Homeownership provides tax advantages, it instills a sense of pride in its owners and it allows an owner to stop paying rent and generate home equity. Homeownership provides every owner the ability to achieve the “American Dream.”
Home Inspections
An inspection is not an appraisal of the property. It is an independent inspection of the condition of the property that is typically used by buyers prior to the closing on a home. At a minimum it should include an evaluation of the structural integrity of the property, the mechanical systems and physical condition of all the homes components. The inspector’s report should clearly state his/her findings so that a buyer can make an informed decision as to continue with the purchase or re-negotiate the contract. It is a good practice to include a home inspection as a contingency in a purchase contract. Some common components of an inspection include, but are not limited to the following:
Heating/Air Conditioning Systems, Doors, Foundations, Electrical systems, Plumbing, Roof, Walls, Ceiling, Floors, Ventilation/Insulation and Common areas in condos.
A reputable inspector is most often a member of the American Society of Home Inspectors (ASHI). This group has developed standards for inspectors to follow when inspecting homes. They can usually be found in the phone book yellow pages under Home Inspectors. Some other ways to find an inspector is to ask a real estate agent for a referral. Ask the inspector if a past clients can be contacted for a reference. A good inspector can save a buyer from costly repairs in the future. A proper home inspection is money well spent.
Frequently Asked Questions (FAQ’s)
What is PITI?
Principal, Interest, Taxes and Insurance. These are the common elements of your monthly mortgage payment.
What is the Loan to Value Ratio (LTV)?
This is the common way to determine the amount of debt and equity associated with your home. It is represented in a percentage value. (Total Debt/value=LTV % )
What is Private Mortgage Insurance?
PMI is insurance that is paid by the buyer to protect the lender’s interest when a loan is made when the loan to value ratio is greater than 80%. It can be paid in an upfront payment at closing or it is typically financed in with the loan. PMI can be removed when the loan to value of a home falls below 80%.
What is Good Faith Deposit?
Any form of consideration that fulfills the requirements to make a contract legally enforceable. It is usually in the form of a cash deposit which is held in escrow that is credited to the buyer at closing. There is not set amount of consideration required when making a purchase offer.
What are closing costs?
They are the costs associated with purchasing a home. The major costs are the down payment, application fees, appraisal fee, taxes, credit report, discount points, origination fees, loan fees, insurance premiums, doc stamps.
What is the difference between Pre-qualified and Pre-approved?
When a lender determines that a buyer is Pre Qualified, the lender has made a preliminary determination as to the amount of the mortgage based upon the buyers answers to questions relating to income, down payment, debts and credit score. Pre Qualified does not mean that a buyer has been approved for a loan. A Pre Approval means that the lender has approved the loan subject to the buyer’s application conditions not changing. A Pre Approval gives the buyer a very strong position to negotiate with a seller to purchase their home because the seller knows that the financing is in place. It is highly recommended for a buyer to get Pre Approved to purchase a home.