Ronald V. Byron Broker/Owner

This page has been set up to explain our guarantee and the buying process to clients working with Team Byron Realtors.

 Our Guarantee is your satisfaction.

     We guarantee you will purchase your new home for less and we can do that because Brian Lee with Wells Fargo has teamed up with Team Byron Realtors and has agreed to pay a minimum of $1000.00 Dollars of your closing costs when you finance your new home through him. One of the first steps we will make is to get you preapproved with Brian. You will save a minimum of $1000.00 Dollars based on the financed amount.  Plus, because you are preapproved the seller of your new home may take your offer more seriously putting you in the "Negotiating Drivers Seat".

     We want your first year in your new home to be worry and stress free so we will make sure there is an HMS Home Warranty on your new home at no cost to you, another $400.00 Dollar plus value.

     Finally when you choose your new home we will do a complete market analysis of the neighborhood . We will look at what other homes in the area have sold for to see if the seller's asking price is too high, low or just right. We will then determine a starting offer price that you are completely comfortable with. After all, we are your Designated Buyers Agent, working for your best interest!

Let's look at the steps

1.) First we will want to meet

    We will be spending some time together, therefore you need to be comfortable with me and my team. In our first meeting I will want to talk about your needs, wants and fears. You will also meet with other members of the team. Brian with Wells Fargo will pre-qualify you and let us both know what you qualify to purchase, your "open to buy". We both need to know this because there is nothing worse then showing a buyer a home that they fall in love with but don't qualify to buy. It's hard to find another in the correct price bracket as good, so we want to do it right the first time. I also need to know your qualifications so I can find out if your comfort range is within your qualification range. Your comfort range is most important to me... for example: if you qualify for $2000.00 per month that does not mean you want to spend $2000.00 Maybe your comfort range is $1500.00 you will not be pressured here! Finally in our meeting you may like me or not, you are under no obligation to sign the buyer agency if you are uncomfortable.

     In our first meeting we will talk about your dream home so I can get a picture of your needs and wants. We will set up a computer search for your new home that will send you updates as new homes come on the market that meet your criteria.  If you want, we will go out and look right now!

2.) Finding The Home

     I'm asked all the time do buyers ever purchase the first home they see?  Yes, buyers have purchased the first home they have seen, it happens more than one would think, if its right its right. Because we use the latest technology to narrow your search every home we look at should be a close match, after all we used your needs and wants to establish the search criteria. An average buyer looks at between seven to ten homes, sometimes more sometimes less. Do not feel uncomfortable if you need to look at more. We will review the criteria, make any changes needed and continue.

3.) Making The Offer

     Remember you are pre-approved, you are like a cash buyer!  We will want to make a strong offer in your favor.  I will do my homework with you before the offer is completed.  First we will run the numbers on the home.  You will want to know the P.I.T.I. (total payment) on your new home and its value in the neighborhood. Principle is the portion of your of your payment that goes to paying off your home. Interest is the portion of your payment the bank keeps for lending you the money. Taxes, property taxes are normally part of your payment unless you put 20% down and want to pay them on your own. Insurance,  your home will be insured for the mortgage amount as a minimum.

     We will need to determine the value of your new home. We will set down together and look at all the sales in the neighborhood for the last six months. We will look at homes that most closely match the home you have chosen. We will match these comparable properties to your home to come up with the value of your home. Remember the seller may have priced the home low, high or just right.There will be a formal appraisal  ordered by the bank at a later date and this takes president..

     We now know the home fits in your payment "comfort range" and we have a place to start for the offer. One point, do buyers ever pay full price for a home? The answer to that would be yes. Sometimes the seller prices the home low with the intention of starting a bidding war or the seller just wants out. The purpose of our analysis is to find this out together, I want you to be comfortable with your offer.

     The seller can accept, reject, or counter your offer and most likely the latter. Remember you are like a cash buyer and we will work only for you to get the price and terms you want!

4.) Offer Accepted

     You are under contract, Congratulations! Many things happen now. You will order your home inspection, Wells Fargo will order the survey, appraisal and send your documents into underwriting.  Alpha Title Company will start the title work on your home. We will be with you every step of the way, we are your agents and here to answer all your questions. Prior to closing you will be given final documents for review and final figures as to funds needed to close minus the closing costs that are paid by Wells Fargo. The actual closing will take about one hour.