Call Carol at (501) 960-6040
Fax: (501) 325-2271
Carol Jenkins
Adkins, McNeill, Smith & Associates

Home Purchases


Home Buyer's Agent!
 Your home purchase will be one of the biggest and most important financial decisions you'll ever make.  As a buyer agent, I am legally responsible for representing your interest in a real estate transaction.  This is usually a free service to you because the company that has listed the property for sale has already agreed to compensate me for helping you purchase the property that they have for sale.


Get pre-qualified!
Before you start looking for your next home you should get pre-qualified.  If paying cash, there is no reason to meet with a mortgage lender.  However, if you need to obtain a mortgage to finalize the purchase of your new home, you need to meet with a good mortgage loan officer.  Being pre-qualified for a loan determines how much house you can afford.  It also allows you to move more swiftly when you find the right house, especially when you aren't the only interested buyer.


Finding the right home...
 This is the fun part!  Locating your dream home.  Once you've been pre-qualified and we have establish what you're looking for in your new home, it's time to find the right one.  I will search our multiple listing service and inform you of all the homes that actually meets your needs.  Our multiple listing service will show all of the listed homes that are currently for sale in the areas that you desire to live in.  The information in our multiple listing service is updated by the minute and will let me know if a property is available to show, if it already has an offer, and if it is sold.  Information found in our local advertising publications is often outdated, especially in a active real estate market like we are experiencing today.  I show and pre-view many homes in our area.  It is possible that I have already seen the home that will meet your needs.


Making the offer...
Everyone is concerned about paying too much for their new home or buying a house with hidden defects.  Preparing your offer properly will help eliminate many problems that could arise.  Don't gamble, let me help you make good decisions in preparing your offer.  While some homes are over priced, many sellers actually hire an experienced agent to list their home.  If that's the case, the property may be priced at it's proper value.  In today's real estate market, some homes are selling for the full asking price.  Even if you find a home that is priced right, there are many items in the offer that need to be negotiated properly.  I will help you with decisions like: earnest money amount, financing options, repair limit, seller concessions, closing date, etc.


Home inspections... 
A standard pre-purchase property inspection covers a home's major mechanical systems:  Electrical, plumbing, heating and cooling and its construction from roof to foundation, exterior to interior.  These inspections usually do not cover soil, pools, wells, septic systems, building code violations or environmental hazards such as lead or radon.  The inspection contingency in your purchase contract will usually allow you up to two weeks to conduct an overall inspection plus any specialized inspections you (or your lender) require.  The cost of an inspections can range from one hundred to several hundred dollars.  Specialized inspections usually involve an expert and can cost more.  Remember, repairs or remedies are negotiable; they also can derail a deal.  It's a good idea to meet the inspector immediately after the inspection is completed so they can explain what they inspected and what they found.  Ask your inspector if you should have a specialist to further inspect any items. 


Title search...
In our area, we primarily use title or abstract companies to handle the closings.  They will perform a title search of the property to insure that there are not problems with transferring the ownership of the property to you.  They also prepare the closing documents which includes the HUD-1, the form that tells you exactly how much money you will need to finalize the purchase of your new home.  I will help you select a reputable company in our area to handle the complex details of your home purchase.


Finalizing the sale...
There are usually more than 65 people involved in every home purchase.  From your loan application, to the appraisal, to the title search, to special inspection, you need an experienced agent overseeing your closing.  If your closing process is not properly supervised, you may not close as scheduled and may even loose your dream home.  Once everything is completed you can finalize the purchase of your new home.  You should schedule your move to allow you time to prepare your home for your arrival.  Allow yourself a couple of days for cleaning or other important things that need to be complete prior to you moving in. 

Remember, I am here to assist you with the complicated process of purchasing your new home.  I help more than 50 people each year with their move and have the experience you need to get the job done right.  Please call me if you have any questions. 


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