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Realtors Billings MT

Preston Ely Probate Real Estate: "The Letter"

142 Terry billings, Montana 59101 - $50,000.00

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Difference Between a Realtor and a Real Estate Agent Revealed

What is a Realtor? And why should you use one? by Christopher Seder

Only real estate professionals who are members of the National Association of Realtors can call themselves realtors. Non-Members are only Real estate agents or Sales people. There are several amazing benefits of using realtors over a sales person.
All Realtors (members of the National Association of Realtors) are bound to a strict code of ethics. Their code is based on professionalism and protection of the public. Random real estate agents do not have to abide by these codes. If you choose to use a Realtor you can be sure that they are honest and ethical in all aspects of real estate and business. If they are not, they will not be a realtor long.

The Biggest benefit of using a Realtor over an Agent is access to the MLS, the Multiple Listing Service. This is a private service that only Realtors use to share listing with other Realtors. If you use a Realtor they put your House on the MLS and thousands of other Realtors can easily access the information and find a buyer for a house you are selling. Or Your Realtors can access other realtors listing to find you the house that meets your criteria the best.

Some of the principals that realtors must follow include:

Protect and promote their clients best interests. A good realtor knows what the client’s wants and needs are. For example, a good realtor will know what a client can afford in a home payment and will not put anyone in a home that they cannot afford or will have trouble making their mortgage payment. They will also make sure that their client has got home inspections done on their potential house to ensure they made a good buy.

Realtors should be knowledgeable and commitment in the field of real estate. It’s important to find a realtor who really studies what is going on in the real estate industry. A good realtor will know if the market is starting to dip, rise or is going to stay flat. How do they know this? Well realtors are in the MLS, out looking at houses and studying the market every day. If a realtor does not somehow keep track of what they are seeing then they have failed as realtors and as your hired gun.

I know many realtors out there who think their only job is to sell houses. But the job of a good realtor is to know every aspect of the real estate industry form residential, commercial, and real estate investing.

There has been great feedback from buyers and sellers in the past few years about working with Realtors. Sellers are reporting that an agent’s reputation was the most important factor in their selecting the realtor they did. Is that true with you? I believe that working with the best realtor in your area is important. Everyone wants to work with the best.

Home buyers and sellers both report that the biggest benefit they received from using a realtor was help understanding the home buying/selling process. I can really see that as being a huge benefit. If you do not understand the whole process that goes into buying/selling a home it could cost you thousands and hundreds of hours.

At Last! An Easy To Follow Home Buying Process Just for You

Make Your Home Buying an Easy Effortless Process

By Christopher Seder

Congratulations on deciding to purchase a house. Buying a house is one of the most important journeys of your life. Everyone dreams of one day owning a home, it’s the American dream to own a nice home where you can raise your family. If you are new to buying a house then this is for you. Educating yourself about the home buying process is very important and you have come to the right place. You are about to learn the steps that go into buying a house.

Step 1: List out What Your are looking for In a Home

It’s very important that you sit down and list out what your goals for a home are. You need to list out what you are looking for, what features you want, and neighborhood and so on. Having a good base to start from is very important. If you have to have an entertainment room then put that on your list. I would also divide your list up with must haves, and want to have. Something like a hot tub might be on the want to have section. You do not need it but it would be a good bonus to have.

Step 2: Know What You Can Afford

The next step is to really figure out your finances. You need to pull your credit report and make sure everything looks right. If there are errors on your report then make sure you get them fixed immediately. If you credit is not where it should be, you usually need a credit score somewhere in the mid 600’s to get a loan these days. Then Get some kid of credit repair program in place.

Also you should gather all your financial statements for the last year or so and all your bills. Put them together and really figure out what you think you can afford. You will also need these for the next step.

Step 3: Find the Right Loan/ Mortgage Company to Work With

When looking for the right loan company and loan you need to do a little research. Looks up different types of loans and learn about them. You also need to be determining the price range you can afford. You can do this with mortgage calculators that will give how much you can afford or a Mortgage company can help you figure this out.

That brings us to finding a good mortgage company. Just do some research, ask friend who they use for their mortgage company. And find a company that can give you the lowest interest rate. Once you have sat down with your mortgage broker and figured out what your price range is then you will need to get a pre-approval letter. This just shows what the lenders thinks they can lend you and that stuff.

Step 4: Find the Right Realtor to Help You

Finding the right realtor is very important. They can make your home buying experience a smooth ride. Just do some research, Google realtors and ask friends who they would recommend. It all comes down to someone you trust and feel comfortable working with.

Step 5: Find Your Home

With the Help of your super start realtor finding your home should be no problem. Take that list of must haves you made in step 1 and discuss them with your realtor. Sit down with him and go over all the houses that are for sale that meet your criteria. When you have this done map out open houses and go check them out. Your realtor will be a great help in finding you dream home. They will also be able to go over all the paper work needed with you.

Step 6: Make an Offer

Once that home is found you are going to have to make an offer. This is usually when you will go through all the paper work that your realtor can go over with you. Ask him/her any question that you may have about the process so your feel confident with your decision. Also make sure they do a market analysis on the property. This will help you determine what you want to offer on your property.

Also always make sure you have an inspection contingency in so that you can have someone inspect the property and make sure there is nothing wrong with the property. By having this if you find something wrong you can easily get out of the contract.

Step 7: Close on Your Home

Before you officially close on the property you will need to review all the closing cost and disclosures with your realtor and mortgage person. Get insurance on your property, an appraisal, and then you are ready to close. Most realtors have done this hundreds of times so they can easily guide you through the process.

Step 8: Move in and Enjoy

Once you have closed you can move into your new amazing home and enjoy life.