Alan K. Warfield
Real Estate & Insurance Services
Services for Buyers
Every year we get heartfelt thank-you letters from clients who are enjoying their new homes.
We work hard to find properties that meet your dreams as well as your practical needs, houses that do not have expensive hidden surprises that you have to fix, houses with mortgages that you can afford. We make sure all the i's are dotted and t's are crossed to help ensure that settlement proceeds smoothly. Why choose Warfield's?
What is a Buyer's Agent, and why should you hire one?
A buyer's agent has a stringent legal and professional obligation to look out for your financial interests. Until recently, most agents helped the buyer but actually had fiduciary obligation to represent the seller. Warfield's has offered buyer's agent services for many years because we believe it is the most honest and helpful way to serve our clients.
What a skilled Buyer's Agent will do for you:
(This list is based on requirements of the Real Estate Buyer's Agent Council, of which Alan is a member.)
As you begin the process of buying a home or property, the first two questions are 1) what do you want and need? and 2) how much can you afford? We'll discuss these at our first meeting, but here are some tips in getting started.
What do I want or need?
Take a piece of paper or open a spreadsheet, and make two columns. On the left side make a NEEDS list: "Don't call us unless the property has X." These are your minimal requirements. On the other side make a WISHES list: "We'd prefer Y but it isn't crucial."
There are several webpages that can help you think through what kind of home or property you want to buy. The one posted on the HUD site is particularly useful: Buying a home--wishlist.
Thinking through your needs, desires, and finances requires a realistic and honest assessment. If your dreams extend way beyond your pocketbook, your real estate search will be long and discouraging. If you are buying with a spouse or partner, you have to sit down and look each other in the eye. If the buyers aren't on the same page, how can your agent be?
What can I afford?
Buying property requires significant resources beyond the downpayment and the monthly mortgage payment. We make sure you've factored in all the costs, and look at what mortgage you will probably be able to obtain. Any discussions you have with us about your financial situation will be kept confidential.
Here are some helpful links