Eugene West
ADVANTAGE
Eugene West ADVANTAGE
Eugene West 317-698-9137 ewest@bhhsin.com
10765 Lantern Road Suite 102, Fishers, IN 46038
When people are making the decision of the magnitude of buying a house, it’s the biggest decision a great many families will ever make. They want to know who they’re working with and we think the Berkshire Hathaway will be reassuring to many of those people.
Eugene West ADVANTAGE
As your Berkshire Hathaway HomeServices Indiana Realty Trusted Advisor, I understand your local market because I understand your local roots. I am committed to helping you make the best real estate decisions, while upholding the highest level of integrity, trust & excellence, so you experience real estate at the highest level.
I ENJOY GATHERING AND ANALYZING INFORMATION TO MEET THE NEEDS AND DESIRES OF OTHERS. IT PLEASES ME TO PLEASE YOU.
BHHS INDIANA REALTY HELPED 4,900 FAMILIES BUY OR SELL A HOME IN 2019
OUR CUSTOMIZED HOME MARKETING OR BUYING STRATEGY IS BUILT AROUND YOUR FAMILY’S GOALS & NEEDS WHEN SELLING OR BUYING YOUR HOME
BHHS INDIANA REALTY, SET A COMPANY PRODUCTION RECORD BY GENERATING OVER $1.05 BILLION IN SALES IN 2019.
OUR STORY ABOUT BHHS INDIANA REALTY Your Indiana neighborhood is distinctly you. So are your needs when it comes to buying or selling your home. At Berkshire Hathaway HomeServices Indiana Realty our trusted advisors understand your local market and work with you to understand your individual needs and customized solutions.
INTERNATIONALLY RECOGNIZED Berkshire Hathaway HomeServices is a national network of more than 50,000 agents and 1,500 offices, which makes us part of the 2nd largest, full service residential Brokerage in the country. Our network is a powerful communication and marketing tool. LOCALLY KNOWN We have 14 offices and over 400 agents throughout Indiana. We are your neighbors, we’re in your community and we have strong local ties to our Indiana roots. Locally owned, managed and operated, our agents are experts in their area markets and neighborhoods.
LOCAL TRENDS & STATS The Indiana market is hyper-local. When it comes to buying or selling a home, Hoosiers are looking for a trusted advisor who understands how to create strategies for pricing and promoting their homes in order to bring in the best buyers.
Source: Indiana Association of Realtors® Current as of October 31, 2019. Data obtained from Multiple Listing Services (MLSs) and Broker Listing Cooperatives® (BLCs®).
Seller YOU’VE ACCEPTED AN OFFER! For inspections and appraisals, providers will need access to your home (see asterisked sections), which they will do with the lockbox. There’s no need for you to be home. All you need to do is make sure all parts of your home, including sheds, detached garages. attics, and any place where the lockbox does not provide access, is easy to access.
HOME INSPECTION
Please notify all of your utility companies to remove your name from the accounts effective on the close date. Please do not request the utilities be shut off; the new owner will contact each company and have the accounts transferred into their name. In addition, contact the United States Postal Service and submit a Change of Address Form to ensure that your mail goes to your new home after closing.
Home inspections are scheduled 1-14 days after the accepted contract and are meant to protect buyers against surprises after closing. Do not worry if the inspector finds a few issues with your home. This is normal. The buyer may ask you to fix all or only a few of the items identified. Most often, buyers request only the most important items be repaired. Once we receive their requests, we will discuss with you how best to respond. All repairs need to be completed by licensed providers and all invoices need to be completed prior to closing.
TERMITE*
The buyer’s lender may require a termite inspection of the property. The inspector will need access to the interior, exterior, and any outdoor buildings. This is typically completed within two weeks of closing.
BUYER’S WALK THROUGH
The buyer will schedule a final walk through to check the status of any agreed upon repairs and ensure the home is in the same condition as it was when they made the original offer, usually 24-48 hours prior to the buyer’s closing date. Please make sure things are moved out of the home before the walk through to ensure the buyer has a clear view.
MOVING OUT
Be careful to not cause damage when moving out. The sales contract requires the home be in the same condition as when the contract was accepted.
CLOSING DAY
Approximately 24-48 hours prior to closing, the title company will provide a closing statement detailing all of the financial aspects of the transaction. The closing statement will outline the exact amount of the proceeds you will receive from the sale and/or the amount of money you need to bring to closing. Should you need to bring more than $10,000, the funds will need to be wired. Leave all keys, garage door openers, pamphlets and mail keys at the house - often times, the buyers agent takes the key from the lock box at the time of the final walk through to present to the buyers at closing! Get your pen ready: It’s time to sign the closing papers that will transfer ownership of your home to the buyer. Bring your current photo ID with you and make sure it is not expired. You are the owner of record until the conclusion of the buyer’s closing.
APPRAISAL*
The appraisal is ordered by the lender after the home inspection is complete. The appraiser will schedule an appointment to access your home. Once the appraisal is complete, the lender will receive the report, typically 7-10 days after the appraisal, at which time we’ll be notified of the results as well. Depending on your loan type and the age of the house, repairs may be required with a mandatory re-inspection to confirm the repairs are completed. Speak with your real estate professional if you have any questions.
NOTIFY UTILITY COMPANY
IMPORTANT NOTICE ABOUT WIRE FRAUD: Never trust wiring instructions sent via email. Never change wiring instructions based on an email. Cyber criminals are hacking email accounts and sending emails with fraudulent wiring instructions. These emails are convincing and sophisticated. Always independently confirm wiring instructions in person or via a telephone call to a trusted and verified phone number just before wiring the funds. Never wire money without double-checking that the wiring instructions are correct.
Buyer YOUR OFFER IS ACCEPTED! EARNEST DEPOSIT
Earnest money is paid by you, in the form of a certified or personal check, or a wire transfer, into a trust or escrow account held by a real estate brokerage, or title company. This deposit lets the seller know you are serious about purchasing the home. These funds are held in an escrow account until the sale of the home is finalized, at which point, the funds are applied toward your down payment.
sent to your lender within two weeks after the appraisal. Depending on your loan type and the age of the house, repairs may be required with a mandatory re-inspection to confirm the repairs are completed. Speak with you real estate professional if you have any questions.
IMPORTANT NOTICE ABOUT WIRE FRAUD: Never trust wiring instructions sent via email. Never change wiring instructions based on an email. Cyber criminals are hacking email accounts and sending emails with fraudulent wiring instructions. These emails are convincing and sophisticated. Always independently confirm wiring instructions in person or via a telephone call to a trusted and verified phone number just before wiring the funds. Never wire money without double-checking that the wiring instructions are correct.
ESCROW ACCOUNT
Your earnest deposit is held in an escrow account that is closely monitored by a third party such as a title company or a lawyer. The title company makes sure that the title to a property is legitimate and clear of liens, the title company then issues title insurance for that property. This protects the lender and owner against lawsuits or claims against the property that result from disputes over the title.
HOME INSPECTION
We will arrange a home inspection 1-14 business days after the contract has been accepted. It’s the inspector’s job to find any defects with the home to avoid any surprises. It is entirely up to you to decide whether to ask the seller to fix items on the Inspection report. We’ll advise on how to respond to the seller once we see the results. If repairs are to be completed by the seller, we will request they forward detailed receipts from licensed contractors to prove that the work has been completed. *A termite inspection is recommended.
UTILITIES/MAIL/TRASH
Prior to closing, you must notify utility companies and have all accounts transferred to your name effective the day of closing. If applicable, you must also contact a local trash service to set up a trash removal account. In addition, you should file a Change of Address request with the United States Postal Service. TRASH SERVICE IS INCLUDED WITH PROPERTY TAXES IN SOME COUNTIES. PLEASE CONSULT WITH YOUR REAL ESTATE PROFESSIONAL REGARDING TRASH REMOVAL IN YOUR AREA.
FINAL WALK THROUGH
We will schedule a final walk-through of the home 24-48 hours prior to closing to ensure that the agreed upon repairs have been completed and that the home is in the same condition as when you made the original offer.
CLOSING
HOME RE-INSPECTION
A home re-inspection is recommended after agreed repairs are completed by Seller. The inspector will only inspect agreed upon repairs.
LEAD BASED PAINT
If you are purchasing a home built prior to 1978, you will be presented with a Lead Based Paint disclosure to review and sign.
HOMEOWNERS INSURANCE
Once purchase agreement is accepted, it’s time to obtain your homeowner’s insurance. If you are new to the area and would like a few references, please let your agent know.
APPRAISAL
Your lender requires an appraisal when you takeout a home loan. The appraisal is ordered by your lender. The report from the appraiser will be
Your closing will be completed by a title company. Approximately 24-48 hours prior to closing, the title company and your lender will provide the closing statement which covers all of the financial details of the transaction. It will include the amount of money you need to bring to the closing, certified payable to the title company, who will in turn disperse the funds. Once the closing is completed, you are welcome to move into your new home! IMPORTANT NOTICE ABOUT WIRE FRAUD: Never trust wiring instructions sent via email. Never change wiring instructions based on an email. Cyber criminals are hacking email accounts and sending emails with fraudulent wiring instructions. These emails are convincing and sophisticated. Always independently confirm wiring instructions in person or via a telephone call to a trusted and verified phone number just before wiring the funds. Never wire money without double-checking that the wiring instructions are correct.
WE ARE INDIANA REALTY Come experience real estate at the highest level
LET’S GET STARTED! Call: 317-698-9137 Email: ewest@bhhsin.com