There are lots of options when it comes to choosing a Realtor in Baltimore Maryland and it is an important decision to make. After all we understand that it could be the most important and biggest financial purchase of your Life. You don’t just want “another realtor”. Working with a REALTORS® we are not just agents. We are professional members of the National Association of REALTORS®. That means that will live by ethical code and standards. Choosing Mike Zorbach as your Realtor means that you will be treated by an expert guide, you will get the upmost respect and ethical treatment. You will also have objective, non-biased information as well as Mike Zorbach’s expert opinions to get your home sold. This is the REALTOR® difference for home buyers and sellers.
Ultimately when choosing your real estate agent you must think about how he or she will benefit you and always act in your best interest. The type of trust that you need to establish with your real estate agent is imperative. After all, you will be dealing with your agent and at times overwhelmed with all the information we can provide. We pride ourselves in showing and having respect for all parties in a transaction.
What is the goal of a real estate agent? It is bringing a buyer and seller together and then holding the deal together until closing time. Have you ever bought a house before? Remember how stressful it was? I DON’T. Mike Zorbach will ensure that your transaction goes by smoothly and that he will take the blunt of the stressful situation, so it is a breeze for you. Do you know that “Suzy Lou” from the 90s with her glasses and notepad is not the way to do things anymore? Online presence is imperative. You must be able to market the property to the best prospects to get a quick and meaningful sale. Buying a home usually requires dozens of forms, reports, disclosures, and other technical documents. Do you think you are able to work your job, deal with the kids as well as regular life stresses and then sell a house on top of it?
The short answer is no. something will not be right. You may not get the most money for your house. You may not transfer the deed correctly, you might just wind-up owing money by the end of the transaction that you may not be able to pay for. At least with Mike Zorbach as your agent you will be able to know that you are safe in conducting one of, if not the most expensive purchase of your life.
Make sound decisions.
Ethical treatment is imperative throughout the transaction and while you are searching for a home or buying one. Mike Zorbach holds the members of the National and State level Association of realtors to a higher standard. You must adhere to a strict code of ethics, which is based on professionalism and protection of the public, as well as your assets as my client, you can expect honest and ethical treatment in all transaction-related matters. The first obligation is to you, the client.
Mike Zorbach will be your expert guide. He is a knowledgeable expert, and he will help you prepare the best deal, and avoid delays or costly mistakes. Being transparent and giving the best real estate advice as well as friendly advice is key.
Objective information and opinions can provide local information on utilities, zoning, schools, and more. When purchasing your new home weather, it is newly built or already built we have many systems and software’s that will provide you with the most accurate and up to date information to find you the best deal. As a matter of fact, we have quite a few off-market strategies to get you the home of your dreams. We also have objective information about each property. Mike Zorbach can use that data to help you determine if the property has what you need. By understanding both your needs and search area, they can also point out neighborhoods you don’t know much about but that might suit your needs better than you’d thought.
Expanded search power. Sometimes properties are available but not actively advertised. Mike Zorbach can help you find opportunities not listed on home search sites and can help you avoid out-of-date listings that might be showing up as available online but are no longer on the market.
Negotiation knowledge. There are many factors up for discussion in a deal. Mike Zorbach will look at every angle from your perspective, including crafting a purchase agreement that allows enough time for you to complete inspections and investigations of the property before you are bound to complete the purchase.
Up-to-date experience. Most people buy only a few homes in their lifetime, usually with quite a few years in between each purchase. Even if you’ve done it before, laws and regulations change. Mike Zorbach has handled hundreds of transactions over the course of his career.
Your rock during emotional moments. A home is so much more than four walls and a roof. And for most people, property represents the biggest purchase they’ll ever make. Having a concerned, but objective, third party helps you stay focused on the issues most important to you. If a home is being sold for less than what the current owner owes on the property—and the seller does not have other funds to make up the difference at closing—the sale is considered a short sale.
A short sale is different from a foreclosure, which is when the seller’s lender has taken title of the home and is selling it directly. Home owners often try to accomplish a short sale in order to avoid foreclosure. But a short sale holds many potential pitfalls for buyers. Answering these questions will help you determine if a short sale is a good fit for you.
Are you very patient?
Even after you come to agreement with the seller to buy a short-sale property, the seller’s lender (or lenders, if there is more than one mortgage) still has to approve the sale. When there is only one mortgage, lender approval typically takes about two months. If there is more than one mortgage with different lenders, it can take four months or longer. If you make an offer tremendously lower than the fair market value of the home, the lender could make a counteroffer, which will lengthen the process.
Is your financing in order?
Lenders like cash offers. But even if you can’t pay cash, it’s important to show you’re well qualified. If you’re preapproved, have a large down payment, and can close at any time, your offer will be viewed more favorably than that of a buyer whose financing is less secure.
Do you have any contingencies?
Lenders like flexible terms. If you must sell a home before you can close, or you need to be in your new home by a certain time, a short sale may not be for you. Also, you will most likely be asked to take the property “as is.” Lenders are already taking a loss on the property and may not agree to requests for repair credits.
Can you take rejection?
Even when a lender approves a short sale, it could require that the sellers sign a promissory note to repay the deficient amount of the loan, which may not be acceptable to some financially strapped sellers. Lenders also can change any of the terms of the contract that you’ve already negotiated, which may not be agreeable to you.
