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Buyer's Guide

Why Have a Buyer’s Representative?

Your Buyer’s Representative WILL...

  • Listen to you and understand your “must haves,” your deal breakers, and your “it would be nice if’s”
  • Recommend local mortgage lenders who will help you identify the maximum amount of mortgage for which you qualify, and advise you on available financing options
  • Identify and share with you all available properties that meet your criteria and budget
  • Advise you on how to prepare an offer when you find the home you want
  • Negotiate your offer in a skillful and timely manner
  • Once under contract, monitor the contract timeline and progress leading up to closing
  • Arrange any inspections stipulated in your contract, negotiate repairs on your behalf with the sellers, and assist you in scheduling and attending walk-throughs prior to closing
  • Recommend qualified local closing companies
  • Maintain continued communication with the listing agent to ensure things are proceeding smoothly
  • Schedule and attend the final walk-through and closing
  • Be available for you after the sale for any information you may need as a homeowner

Real Estate Made Easy...

So you can focus on what matters

Frequently Asked Questions

Who represents me in a real estate transaction?

A real estate agent that you choose. Tennessee state law requires that this relationship be established in writing.

It establishes a maximum purchase price for which you qualify and a price range for your home search.
Pre-approval also strengthens your negotiating position when it is time to present an offer.

Your buyer’s agent should prepare a Comparative Market Analysis (CMA) which tells you what similar homes have sold for in a recent time frame. Tax records will also tell you how much the seller paid and when they bought the home. There are other factors that go into play in what to offer including how long has the property been on the market, whether or not the seller has already moved out, are there other offers on the property, etc. After review of this information you and you agent will prepare an offer that will be presented on your behalf to the sellers.

Your agent will ensure that your offer contains several contingencies including but not limited to inspections, environmental concerns, value and condition (contingencies) of the home and ownership free of encumbrances (clear title).

A hallway featuring light walls, dark wood floors, a white bench, wooden stairs, and a lamp with a white shade on the left.

The Typical Home Buying Journey at a Glance from your Binding Agreement Date “BAD”

  • 30 days: typical duration till closing
  • 10-14 days: typical inspection, appraisal & due diligence period
  • $1000 - $2000: average upfront costs of inspections & appraisal
  • 1%: standard earnest money deposit (fully credited to you at closing)
  • 2-3%: average closing costs & pre-paid expenses

Ruby’s Buyers Have Said...

Let’s Get Started

Whether you’re moving across the street or across the globe, I’ll walk you through the process with honesty, steady communication, and a personalized approach tailored to your needs. I believe real estate is about more than just property—it's about understanding people and guiding them home.

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