{"id":380,"date":"2021-08-17T06:11:10","date_gmt":"2021-08-17T06:11:10","guid":{"rendered":"https:\/\/xlnc.info\/instamortgage\/?p=380"},"modified":"2023-10-19T05:26:05","modified_gmt":"2023-10-19T05:26:05","slug":"assembling-your-home-buying-team-know-the-players","status":"publish","type":"post","link":"https:\/\/xlnc.info\/instamortgage\/assembling-your-home-buying-team-know-the-players\/","title":{"rendered":"Assembling your Home Buying Team- Know the Players"},"content":{"rendered":"<div style=\"display:none\">\n<div id=\"inline1\" class=\"text-center\"><img decoding=\"async\" src=\"https:\/\/www.arcuslending.com\/wp-content\/uploads\/2014\/03\/HomeBuyers.jpg\" alt=\"HomeBuyers\" \/><\/div>\n<\/div>\n<p><!--<a href=\"#inline1\" class=\"inline\"><img decoding=\"async\" class=\"alignleft size-thumbnail wp-image-542\" alt=\"HomeBuyers\" src=\"https:\/\/www.arcuslending.com\/wp-content\/uploads\/2014\/03\/HomeBuyers-150x150.jpg\" \/><\/a>-->Buying a new home is literally a team sport since there are so many tasks, important timelines,documents and responsibilities that all need special care and attention.<\/p>\n<p>Besides working with a professional team that you trust, it&#8217;s important that the individual players have the ability to effectively communicate and execute on important decisions together as well.<\/p>\n<p><strong>Real Estate Agent &#8211;<\/strong><\/p>\n<p>A Realtor\u00ae is a licensed agent that belongs to the National Association of Realtors\u00ae, which means they are pledged to a strict Code of Ethics and Standards of Practice.<\/p>\n<p><strong>A few of the important roles your agent performs<\/strong>:<\/p>\n<ul>\n<li>Determine your home buying needs<\/li>\n<li>Define your property search criteria &#8211; Bay Area neighborhoods, school districts, local amenities&#8230;<\/li>\n<li>Provide insight on market trends and property values<\/li>\n<li>Negotiate purchase contracts<\/li>\n<li>Pay attention to due-diligence periods and other important timelines<\/li>\n<li>Articulate inspection and appraisal reports<\/li>\n<li>Professionally estimate fair market value on listings<\/li>\n<\/ul>\n<p>A common misconception of many First-Time Home Buyers is that hiring a real estate agent will end up costing more money.<\/p>\n<p>However, the typical arrangement in a purchase transaction is for the seller to cover the buyer&#8217;s agent commission. In some cases where a new home developer or For Sale By Owner is listing a property and offering a lower price to deal direct, it is still a good idea to have an agent in your corner to protect your financial and investment interests.<\/p>\n<p><strong>Mortgage Professional &#8211;<\/strong><\/p>\n<p>A mortgage professional (loan officer, mortgage planner, loan consultant, etc.) is the glue that holds the entire transaction together (biased comment).<\/p>\n<p>In addition to establishing the purchase price and monthly payment a borrower can qualify for, the mortgage team will also need to communicate with all of the other players on the home buying team throughout the entire process.<\/p>\n<p><strong>To highlight a few details your mortgage team is paying attention to:<\/strong><\/p>\n<ul>\n<li>Initial pre-qualification to determine purchase price \/ loan amount<\/li>\n<li>Explain all loan program options that may fit your investment goals<\/li>\n<li>Collecting \/ organizing loan approval documents<\/li>\n<li>Watching economic indicators that influence daily rate changes<\/li>\n<li>Locking rates<\/li>\n<li>Communicating with title \/ escrow officers<\/li>\n<li>Submitting loan package to underwriting departments<\/li>\n<li>Updating disclosure \/ GFE paperwork within proper time frames<\/li>\n<li>Following funding through the final recording<\/li>\n<li>Tracking inspections, insurance and other lending requirements<\/li>\n<li>Post closing rate \/ program monitoring (although that might just be us)<\/li>\n<\/ul>\n<p><strong>Insurance Agent &#8211;<\/strong><\/p>\n<p>The lender in any mortgage transaction will require a homeowner\u2019s insurance policy (hazard insurance). This policy protects the property in the case of fire, theft or other damage (except flood or earthquake, those are separate policies and may be optional).<\/p>\n<p>If it is determined that the property that you want to purchase is in a flood zone, flood insurance is not optional, it is mandatory. The flood zone determination will be done with a \u201cflood certification\u201d from a third-party provider.<\/p>\n<p><strong>Title and Escrow<\/strong> &#8211;<\/p>\n<p>It is possible to have a title company and an escrow officer work for different companies. Also, some states use closing attorneys and there are still a few states where they use abstract of title instead of title insurance. In most purchase transactions, the seller has the option of choosing the title company.<\/p>\n<p>The title and escrow officers are often thought of as the same role, but in reality are quite different positions.<\/p>\n<p>The title officer takes care of all issues that have to do with the title (also referred to as the deed) of the property. The lender may require a title insurance policy guaranteeing that the title is free and clear of all liens except those being filed by the lender.<\/p>\n<p>Escrow takes care of receiving, signing, and notarizing the final loan documentation, as well as collecting the other paperwork associated with the home sale. The escrow officer is a neutral third party that makes sure no money is transferred until all conditions for each side are met.<\/p>\n<p><strong>The money management of an escrow company include<\/strong>:<\/p>\n<ul>\n<li>Real estate commissions<\/li>\n<li>Funds to mortgage company<\/li>\n<li>Homeowner&#8217;s Insurance Premiums<\/li>\n<li>Property Taxes<\/li>\n<li>HOA Dues and other third-party fees<\/li>\n<li>Finally, the escrow officer will see that you are properly recorded as the new owner with the county.<\/li>\n<\/ul>\n<p><strong>Home Inspector &#8211;<\/strong><\/p>\n<p>When you have found the home that you like, it is a wise idea to have a professional take a look at the home to see if there are any issues with the property that could be a problem in the future.<\/p>\n<p>Even though some buyers have an \u201cUncle Joe\u201d who has owed several homes and knows what to look for, a certified Home Inspector can be money well spent.<\/p>\n<p>They will look at the functionality of the home to make sure the electrical, plumbing and physical aspects of the home are strong, which will help the buyer make an educated decision about following through with the purchase, or renegotiating certain aspects of the contract.<\/p>\n<p>Keep in mind, the home inspector and appraiser have different jobs. An appraiser determines value, while the inspector looks for structural problems, defects or maintenance issues.<\/p>\n<p>The inspector is doing this strictly for the buyer\u2019s sake. The lender is not concerned if a faucet has a minor leak as long as the property is worth the sales price. Therefore, the lender generally does not require an inspection for your property unless the purchase contract requires one.<\/p>\n<p>So, an inspection is not required, but it is recommended. As a matter of fact, one of the forms in an FHA application package is one that says \u201cFor Your Protection: Get a Home Inspection.\u201d<\/p>\n<p><strong>Appraiser &#8211;<\/strong><\/p>\n<p>While the appraiser is typically never seen by the home buyer, an appraisal is obviously an important component of a home purchase transaction.<\/p>\n<p>The appraiser will conduct an analysis of the property to determine the current market value. The bank will always require an appraisal, and in some cases need a second opinion of value if the program guidelines or loan amount require it.<\/p>\n<p>Appraisers compare the sales prices of similar properties sold in the neighborhood and surrounding areas with the subject property.This can be a very tricky process, especially if there are few properties to choose from, or if there is an overwhelming amount of foreclosures and short sale listings.<\/p>\n<p>Now, since two homes are rarely identical, the appraiser has the difficult job of trying to compare apples to apples; sometimes red delicious to yellow delicious, or sometimes Fuji to Winesap.<\/p>\n<p>When done, the estimate of value is given. If that value is below the purchase price, then negotiation may take place. If it is at or above the purchase price, we are ready to go forward.<\/p>\n<h2 class=\"cprp_section_title\">You May Also Like:<\/h2><div class=\"cprp_items list \"><ul><li><div class=\"cprp_data\"><div class=\"cprp_title\"><a href=\"https:\/\/xlnc.info\/instamortgage\/get-your-offer-accepted-in-a-sellers-market\/\" title=\"Get Your Offer Accepted in a Seller\u2019s Market\">Get Your Offer Accepted in a Seller\u2019s Market<\/a><\/div><div class=\"cprp_percentage\">71<\/div><div class=\"cprp_excerpt\"><a href=\"https:\/\/xlnc.info\/instamortgage\/get-your-offer-accepted-in-a-sellers-market\/\" title=\"Get Your Offer Accepted in a Seller\u2019s Market\"><img src=\"https:\/\/xlnc.info\/instamortgage\/wp-content\/uploads\/2023\/05\/Offer-Accepted-150x150.jpg\" class=\"cprp_thumbnail\" title=\"Get Your Offer Accepted in a Seller\u2019s Market\" alt=\"Get Your Offer Accepted in a Seller\u2019s Market\" \/><\/a><span class=\"cprp_excerpt_content\">Get Your Home Purchase Offer Accepted in a Seller\u2019s Market! Even with a minor slow down in home sales during recent months, \u00a0desirable properties are still getting multiple offers. Make no mistake, we are still very much in a seller's market. Available housing inventory ranges from low to non-existent in&hellip;<\/span><\/div><div class=\"cprp_tags\">Tags: market, purchase, real, mortgage, price, estate, escrow, buyer, will, buying<\/div><\/div><\/li><li><div class=\"cprp_data\"><div class=\"cprp_title\"><a href=\"https:\/\/xlnc.info\/instamortgage\/what-is-mortgage-insurance-how-does-it-work\/\" title=\"What is Mortgage Insurance? How Does it Work?\">What is Mortgage Insurance? How Does it Work?<\/a><\/div><div class=\"cprp_percentage\">66<\/div><div class=\"cprp_excerpt\"><a href=\"https:\/\/xlnc.info\/instamortgage\/what-is-mortgage-insurance-how-does-it-work\/\" title=\"What is Mortgage Insurance? How Does it Work?\"><img src=\"https:\/\/xlnc.info\/instamortgage\/wp-content\/uploads\/2023\/07\/Newsletter-Photos-Becca-76-150x150.png\" class=\"cprp_thumbnail\" title=\"What is Mortgage Insurance? How Does it Work?\" alt=\"What is Mortgage Insurance? How Does it Work?\" \/><\/a><span class=\"cprp_excerpt_content\">Mortgage insurance is essentially financial protection for the lender. If the borrower defaults on payments or cannot make the payments outlined in their contract with the lender, then mortgage insurance can protect them.\u00a0 How Does it Work?\u00a0 Mortgage Insurance can function differently depending on the agreement you have in place.&hellip;<\/span><\/div><div class=\"cprp_tags\">Tags: mortgage, insurance, lender, property<\/div><\/div><\/li><li><div class=\"cprp_data\"><div class=\"cprp_title\"><a href=\"https:\/\/xlnc.info\/instamortgage\/mortgage-closing-costs-2\/\" title=\"Mortgage Closing Costs\">Mortgage Closing Costs<\/a><\/div><div class=\"cprp_percentage\">64<\/div><div class=\"cprp_excerpt\"><a href=\"https:\/\/xlnc.info\/instamortgage\/mortgage-closing-costs-2\/\" title=\"Mortgage Closing Costs\"><img src=\"https:\/\/xlnc.info\/instamortgage\/wp-content\/uploads\/2021\/08\/Contract-of-Home-Sale-21-150x150.jpg\" class=\"cprp_thumbnail\" title=\"Mortgage Closing Costs\" alt=\"Mortgage Closing Costs\" \/><\/a><span class=\"cprp_excerpt_content\">Besides, the basic mortgage underwriting, processing and origination fees that are charged by a lender, there are several other costs associated with purchasing a new property. 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[&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":381,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[6],"tags":[],"class_list":["post-380","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgage","loop-entry","clr"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.7 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Assembling your Home Buying Team- Know the Players - InstaMortgage | The Company That Stands Behind You<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/xlnc.info\/instamortgage\/assembling-your-home-buying-team-know-the-players\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Assembling your Home Buying Team- Know the Players\" \/>\n<meta property=\"og:description\" content=\"Buying a new home is literally a team sport since there are so many tasks, important timelines,documents and responsibilities that all need special care and attention. 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