For Buyers

Rich Dussell Real Estate – For Buyers

 

For Buyers

Buying a home is an important step in your life. Whether you are purchasing a home to raise a family in, vacation in, or invest in, Rich Dussell Real Estate is here for all your needs. Kootenai County and the surrounding areas are great places to own a property. The area is full of recreational activities, culture, and excellent schools. When looking for a home, it is crucial to have a licensed Realtor® on your side. They will take the guess work out of purchasing a home, by knowing what is important to you. Rich Dussell Real Estate will answer any questions you may have.

What is Important?

The most important thing to do when you are purchasing a home, is finding a Realtor® that is right for you. Rich Dussell Real Estate knows all the ins and outs of Kootenai County. Do you need a lot of closet space? Do you want a fireplace or a pool? How many bedrooms do you want? Does the area have good schools? Do you want a single or multi-story home? How do I get a loan? These are all questions that your Realtor® will answer. They will narrow down your wants and needs, then they will find the right home for you. We will show you many different homes that meet your criteria. Our Clients Always Come First.

The Purchasing Process

Once you have found the perfect home, the real process begins. The purchase or sale of a home requires that you enter into a number of legally binding contracts.  The various steps should be clearly understood, for each involves you in certain obligations as well as committing others to meet obligations to you.  You need to know both your duties and your rights. Rich Dussel Real Estate is here for all your Kootenai County area purchasing needs. We will hold your hand throughout the whole process. From finding the home, to purchasing and going through all of the inspections and legal documents. We want your home purchasing to be stress free and we will do everything in our power to ensure you get what you want. We are here for all of your questions and will be available at all times to help you understand your home purchasing.

Our Pledge of Performance
  • It is our sincere goal to guide you through the exciting process of choosing and purchasing your new home.
  • We will listen carefully to your desires and concerns.
  • We will work diligently to select a wide range of homes that fit your needs and budget, for your consideration.
  • We will recommend inspectors, and other professionals, when we believe it would be in your best interest to consult these specialists.
  • We will advise you of market value and do our very best to negotiate the best price and terms for you.
  • We promise to put your needs first, and will always be honest and conscientious in our communications with you
  • We will represent you with the highest level of service to insure that you:
    • Do Not Miss Anything
    • Do Not Pay Too Much
    • Are Kept Informed and Given the Information You Need To Make the Right Decision for You and Your Family!

Determining how much you can afford before you begin your home search will save you valuable time.

We can help you locate a lender who will assist you in finding a financing package that best meets your needs.

Prequalification vs. Preapproval

Pre-Qualified

Basically means you have been asked by a lender, a series of questions concerning your employment history, income and debt status and other financial considerations, like savings accounts, etc. Based on the answers to these questions the lender will compute your debt to income ratios and determine what price loan you will be able to qualify for.

Pre-Approved

Means you have done the above plus you have paid for the credit report and submitted pay stubs, W2’s and bank statements to your lender, to have your credit, income and employment verified. Getting pre-approved can be done relatively quickly, ranging in time from a few hours to a day or two, depending on circumstances. Your lender will then issue a letter or certificate to your agent, that he/she in turn presents to the seller at the time of the offer, displaying that you are an approved buyer. What this tells the seller is that you are not a financial risk to buy this house. What this means to you is that it puts you in a better or stronger negotiating position.