For Buyers
Buying Can Be Exciting As Well As Stressful
Buying a home is an exciting time in one's life. Making the smart move of choosing a REALTOR® is your first step to ensuring that your new home and community meets your needs. My services and experience range from financial aid to helping you find the home that best suits you and your family. For your convenience, I also provide listings by email. I pride myself on repeat business and hope you'll come to understand why. I will supply you with a list of buying clients who have utilized my services one or more times. I will leave it up to you to email or call them for their input.
Before You Start Looking For Your New Home
What is the Difference Between an Appraisal and a Home Inspection?
More useful information is available in Essential Tips. If you need any help with the terminology in this website, feel free to consult the Real Estate Glossary.
How Can I Help? As Your Agent, I Will:
Assure that you are knowledgeable of all properties in your selected search area that meet your criteria.
Guide you through the entire home buying process, from finding homes to look at, to getting the best financing.
Make sure you don't pay too much for your new home and help you avoid costly mistakes.
Answer all of your questions about the local market area, including schools, neighborhoods, the local economy, and more.
Realize that I am FREE! My services cost you nothing. I am one of the few whose services are FREE, so why not utilize my accommodations?
Before You Start Looking For Your New Home:
Check your credit rating. Straighten out any errors before its too late.
Determine a comfortable monthly budget for your new purchase, including down payment and monthly payment.
Find a loan program that meets your needs and get pre-qualified (preferably pre-approved).
Choose a REALTOR®, Like W. Michael Keller, that you trust and who understands your needs.
Determine what neighborhood best matches your needs.
Identify important features you need your new home to have.
Lender fees include charges for loan processing, underwriting, preparation and establishing an escrow account.
Third-party fees include charges for insurance, title search, and other inspections such as termites.
Government fees include deed recording and state & local mortgage taxes.
Escrow and interest fees include homeowner's insurance, loan interest, real estate taxes, and occasionally private mortgage insurance.
Supply of approximate closing costs can be obtained in advance through a request to me. How to calculate buyer's or seller's escrow fees.
Contact Regional Trustee Services 616 1st Avenue, Suite 500 Seattle, WA 98104 206-340-2550
- I have never bid on homes before. How do I get started?
Local newspapers carry publications of foreclosure notices. If you find a property you are interested in, make a note of the trustee’s sale number from the publication. The opening bid amounts, sale location and date information can be checked on our website using that number. Please note that foreclosure sales are cash only. You must have certified funds for at least the opening bid or you will not be able to participate in bidding.
- How do I determine the value of the property and decide what to bid?
In order to determine the value of a property you will need to do some homework. Appraisers, title companies and other real estate professionals can provide valuable information, sometimes for a fee.
- Where do I find business information?
The bid amounts are entered in Regional’s website as soon as the servicer sends us that information. From the main web page, click on “Sales List” (on the left side of the home page), click on the state you are interested, click on “View Sale List” (top right) and then input the trustee’s sale number in the search field.
Their site is live, so as soon as we have the information it will appear on our website.
- What happens next if I am the successful bidder at a sale?
Once they receive the funds they will issue a Trustee’s Deed and send it for recording, with the exception of sales in California and Nevada, wee will forward the Trustee’s Deed to you to record. If you are due a refund, it will be sent within 24 hours of receipt of funds.
- How do I find out what is owed on the property I am interested in?
Due to Privacy Acts we are unable to release this information to you without the written consent of the borrowers of record. You might wish to seek assistance of counsel or a qualified real estate professional such as W. Michael Keller to research the property’s title and status.
- I found a property I am interested in. How do I go about bidding on it?
First you must be prepared with cash/certified funds at the sale location listed in our Notice. Foreclosure Sales are cash only and you must appear with certified funds for at least the opening bid or you will not be qualified to bid.
Further, it is advisable to seek assistance of counsel of a qualified real estate professional such as W. Michael Keller to research the property’s title and status. Once you have determined that you wish to bid, check the website for the status of the sale. You will need to be prepared to pre-qualify for bidding with the person conducting the sale.
- What if I want to purchase the property before the sale date?
The beneficiary of the deed of trust has no ability to sell the property prior to the completion of the foreclosure sale. You will have to contact the borrower and see if he/she/they wish to sell the property to you.
- Who do I make my cashiers check out to?
Cashier’s check can make it out to Regional Trustee Services or to yourself and endorse it to Regional at the sale.
What is the Difference Between an Appraisal and a Home Inspection?
The appraiser is not a home inspector nor does he/she do a complete home inspection. An inspection is a third-party evaluation of the accessible structure and mechanical systems of a house, from the roof to the foundation. The standard home inspector's report will include an evaluation of the condition of the home's heating system, central air conditioning system (temperature permitting), interior plumbing and electrical systems; the roof, attic, and visible insulation; walls, ceiling floors, windows and doors; the foundation,. basement and visible structure.
Recommendation People For You To E-mail/Telephone
These are buying and/or selling
clients that W. Michael Keller has permission to utilize as
recommendation contacts. Feel free to contact any of them regarding
their experience with the 24/7 Full Service Realtor, W. Michael Keller.
|
Mike and Paula Hollingworth |
mike@mchollingworth.com |
991-9733 |
|
Rex & Leslie Stahly |
rstahly@earthlink.net |
448-2051 |
|
Charles $ Alexandra Hagedom |
sanhag22@comcast.net |
475-0360 |
|
Jeff & Sarah Pollock |
jeffpollock@comcast.net |
536-7913 |
|
Dick & Patty Thiel |
dickthiel@comcast.net |
443-9170 |
|
Mike & Tammy Mangas |
tmangas@rockwoodclinic.com |
838-3165 |
|
Nathan & Melissa Thompson |
twothompson@hotmail.com |
624-8296 |
|
Ryan Biesen |
ryan.biesen@redlion.com |
701-9906 |
|
Larry Blount |
lmroadrunner@cox.net |
520-393-7808 |
|
Pat Smitamorn |
psimitamorn@comcast.net |
509-570-6233 |
|
Truong Bui |
cyberbui@yahoo.com |
509-534-0242 |
| Lonnie Brotnov |
I-brotov@yahoo.com |
928-607-4882 |
