Buyers
Love where you live.
Whether you’re buying your dream home or investing in a commercial property, you’re buying more than a building. You’re buying location, lifestyle, long-term value, and more. Count on us to consider the big picture AND the little details to make sure your investment is the best fit possible.
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Your Conyers Team buying process includes:
- Extensive area exploration to help you get acquainted with the area (even remotely)
- Value forecasting to help you understand a property’s value and potential
- Expert negotiation for the best pricing possible
- Personalized service to help you find a property that fits your life and goals.
The Conyers Team Promise
- Real-life Guidance.
Buying and selling property is more than a transaction; it’s a life event. We anticipate your needs and help you consider ALL of the factors—past, present, and future — in one of the biggest decisions you’ll make.
- Clear, transparent communication.
We’re just a text or call away, 7 days a week. You’ll stay as in the loop as you want to be, start to finish.
- Smooth Sailing
We go out of our way to make sure the buying and selling process is as smooth and hassle-free as possible for our clients. We’ve got your back every step of the way.
- Family Style Service.
Olive Garden said it best: “When you’re here, you’re family.” Our clients become lifelong friends, and our opportunities to serve only deepen with time. (We also make exceptional alfredo sauce).
What our clients say
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Frequently Asked Questions
Getting pre-approved for a mortgage is the first step of the home buying process. Getting a pre-approval letter from a lender, gets the ball rolling in the right direction.
First, you need to know how much you can borrow. Knowing how much you can afford narrows down online home searching to suitable properties, thus no time is wasted considering homes that are not within your budget.
Second, the loan estimate from your lender will show how much money is required for the down payment and closing costs. You may need more time to save up money, liquidate other assets or seek mortgage gift funds from family. In any case, you will have a clear picture of what is financially required.
Finally, being pre-approved for a mortgage demonstrates that you are a serious buyer to both your real estate agent and the person selling their home.
Most real estate agents will require a pre-approval before showing homes – this is especially true at the higher end of the real estate market. Sellers of luxury homes will only allow pre-screened and verified buyers to view their homes. This is meant to keep out nosy people and protect the seller’s privacy.
We can provide clients with a list of local lenders that will be happy to get the buyer started.
In a sellers market, increasing demand for homes drives up prices. Here are some of the drivers of demand.
Economic factors, the local labor market heats up, bringing an inflow of new residents and pushing up home prices before more inventory can be built.
Interest rates trending downward, improves home affordability, creating more buyer interest, particularly for first time home buyers who can afford bigger homes as the cost of money goes lower.
A short-term spike in interest rates, may compel on the fence buyers to make a purchase if they believe the upward trend will continue. Buyers want to make a move before their purchasing power, the amount they can borrow shrinks.
Low inventory, fewer homes on the market because of a lack of new construction. Prices for existing homes may go up because there are fewer homes available.
A buyer’s market is characterized by declining home prices and reduced demand. Several factors may affect long-term and short-term buyer demand. like Economic disruption, a big employer shuts down operations, laying off their workforce.
Interest rates trending higher, the amount of money the buyers can borrow to buy a home is reduced because the cost of money is higher, thus reducing the total number of potential buyers in the market. Home prices drop to meet the level of demand and buyers find better deals.
Short-term drop in interest rates, can give borrowers a temporary edge with more purchasing power before home prices can react to the recent interest rate changes.
High inventory, a new subdivision and can create downward pressure on prices of older homes nearby, particularly if they lack highly desirable features.
Home shoppers pay little or no fees to an agent to buy a home. For most home sales, there are two real estate agents involved in the deal. One that represents the seller and another who represents the buyer.
Listing brokers represent sellers and charge a fee to represent them and market the property. Marketing may include advertising expenses such as radio spots, print ads, television and internet ads. The property will also be placed in the local multiple listing service (MLS), where other agents in the area (and nationally) will be able to search and find the home for sale.
Agents who represent buyers are compensated by the listing broker for bringing buyers to the table. When the home is sold, the listing broker splits the listing fee with the buyer’s agent. Thus, buyers don’t pay their agents.
Most loan programs require a FICO score of 620 or better. Borrowers with higher credit scores represent less risk to the lender, often resulting in a lower the down payment requirement and better interest rate. Conversely, home shoppers with lower credit scores may need to bring more money to the table, or accept a higher interest rate to offset the lender’s risk.
