Kim Stawicki__RE/MAX Realty Access__724-864-2200
   9173 Rt. 30, Irwin, PA___ Each office independently owned & operated.

Buying Services for Home Buyers

Congratulations!  You have decided to purchase a home, or are thinking about buying one.  When you own your own home, the hard-earned dollars you spend on upkeep, home improvements, and paying off your mortgage build equity.  Over time, your home should increase in value, providing stability and improved net worth..

In the following reports, you'll find information you need to make a wise buying decision.  I'll take you through the planning process step-by-step to help you determine which home is right for you.  You'll find a wealth of informative articles on mortgages, viewing homes, the offer, closing details and moving.

Please contact me if you have any questions about buying a home in Irwin / North Huntingdon or elsewhere in Westmoreland or Allegheny County...I'M HERE TO HELP!

Below, select desired reports and complete the form provided.  Don't worry...this goes only to me and I'll treat your information confidentially. 

Buying Your First Home
Many renters are starting to think about purchasing a home of their own. This article highlights several factors that should be considered when purchasing a home.
The Right Home at the Right Price
This article helps you become a savvy buyer, by pointing out some of the pitfalls inherent in the home-buying process.
Avoid Common Buyer Errors
Some buyers, however, caught up in the excitement of buying a new home tend to overlook some items. When you have a systematic plan before you shop, you’ll be sure to avoid these costly errors. Here are some tips on making the most of your home purchase.
But Do You Need It
Buying a home can be an emotional, time-consuming, and complex process. There are a few things that you can do to help make the process go as smooth as possible.
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In an effort to enable consumers of real estate services to make informed decisions about the business relationships they may have with real estate brokers and salespersons (licensees), the Real Estate Licensing and Registration Act (RELRA) requires that consumers be provided with this Notice at the initial interview.
Licensees may enter into the following agency relationships with consumers:
Seller Agent
As a seller agent the licensee and the licensee's company works exclusively for the seller/landlord and must act in the seller's/landlord's best interest, including making a continuous and good faith effort to find a buyer/tenant except while the property is subject to an existing agreement. All confidential information relayed by the seller/landlord must be kept confidential except that a licensee must reveal known material defects about the property. A subagent has the same duties and obligations as the seller agent.
Buyer Agent
As a buyer agent, the licensee and the licensee's company work exclusively for the buyer/tenant even if paid by the seller/landlord. The buyer agent must act in the buyer/tenant's best interest, including making a continuous and good faith effort to find a property for the buyer/tenant, except while the buyer is subject to an existing contract, and must keep all confidential information, other than known material defects about the property, confidential.
Dual Agent
As a dual agent, the licensee works for both the seller/landlord and the buyer/tenant. A dual agent may not take any action that is adverse or detrimental to either party but must disclose known material defects about the property. A licensee must have the written consent of both parties before acting as a dual agent.
Designated Agent
As a designated agent, the broker of the selected real estate company designates certain licensees within the company to act exclusively as the seller/landlord agent and other licensees within the company to act exclusively as the buyer/tenant agent in the transaction. Because the broker supervises all of the licensees, the broker automatically serves as a dual agent. Each of the desig­nated licensees are required to act in the applicable capacity explained previously. Additionally, the broker has the duty to take reasonable steps to assure that confidential information is not disclosed within the company.
· In addition, a licensee may serve as a Transaction Licensee.
A transaction licensee provides real estate services without having any agency relationship with a consumer. Although a transac­tion licensee has no duty of loyalty or confidentiality, a transaction licensee is prohibited from disclosing that:
·   The seller will accept a price less than the asking listing price,
·   The buyer will pay a price greater than the price submitted in the written offer, and
·   The seller or buyer will agree to financing terms other than those offered.
Like licensees in agency relationships, transaction licensees must disclose known material defects about the property.
Regardless of the business relationship selected, all licensees owe consumers the duty to:
·   Exercise reasonable professional skill and care which meets the practice standards required by the RELRA.
·   Deal honestly and in good faith.
·   Present, as soon as practicable, all written offers, counteroffers, notices and communications to and from the parties. This duty may be waived by the seller where the seller's property is under contract and the waiver is in writing.
·   Comply with the Real Estate Seller Disclosure Law.
·   Account for escrow and deposit funds.
·   Disclose, as soon as practicable, all conflicts of interest and financial interests.
·   Provide assistance with document preparation and advise the consumer regarding compliance with laws pertaining to real estate transactions.
·   Advise the consumer to seek expert advice on matters about the transaction that are beyond the licensee's expertise.
·   Keep the consumer informed about the transaction and the tasks to be completed.
·   Disclose financial interest in a service, such as financial, title transfer and preparation services, insurance, construction, repair or inspection, at the time service is recommended or the first time the licensee learns that the service will be used.
·The following contractual terms are negotiable between the licensee and the consumer and must be addressed in an agree­ment/disclosure statement:
·   The duration of the licensee's employment, listing agreement or contract.
·   The licensee's fees or commission.
·   The scope of the licensee's activities or practices.
·   The broker's cooperation with and sharing of fees with other brokers.
·All sales agreements must contain the property's zoning classification except where the property is zoned solely or primarily to permit single family dwellings.
·   The Real Estate Recovery Fund exist to reimburse any person who has obtained a final civil judgement against a Pennsylvania real estate licensee owing to fraud, misrepresentation, or deceit in a real estate transaction and who has been unable to collect the judg­ment after exhausting all legal and equitable remedies. For complete details about the Fund, call (717) 783-3658.
Before you disclose any financial information to a licensee, be advised that unless you select a business relationship by signing a written agreement, the licensee is NOT representing you. A business relationship is NOT presumed.



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