Rippe_BuyerGuide_Spanish_V2 by McEnearney Associates

Construyendo Tus Sueños CON LIDA RIPPE GRUPO INMOBILIARIO

U N A G U Í A C O M P L E TA PA R A C O M P R A D O R E S D E C A S A

¿Cómo Lida Rippe Grupo Inmobiliario te asesora en el proceso de compra de tu casa?

Clarifica Sus Deseos y Necesidades Comience el proceso creando una lista que identifique sus “deseos y necesidades” en el hogar perfecto.Su agente le aconsejará sobre cómo priorizar esta lista para ayudarlo a alcanzar sus objetivos.

Lideramos la Búsqueda de Viviendas Su agente configurará en línea una búsqueda personalizada utilizando BrightMLS y nuestra aplicación asociada RealScout. Estas son las herramientas más completas disponibles para encontrar viviendas que estén o próxima a la venta. Durante su búsqueda, recibirá notificaciones en tiempo real de nuevos listados y cambios de precios en función de sus riterios de búsqueda.

Ayudamos a Determinar La Idoneidad Su agente lo ayudará a administrar estratégicamente su búsqueda de vivienda. Después de analizar sus deseos y necesidades, su agente obtendrá una vista previa de las propiedades y enumerará las fortalezas y Lo Que Hace su Agente de McEnearney por Usted debilidades de cada listado para ayudarlo a determinar qué casas personalmente desea visitar. En los mercados competitivos, es fundamental

tomarse el tiempo, saber lo que está buscando, que tenga confianza en su oferta y esté listo para tomar decisiones.

Preparar Y Negociar Contratos De Compra Una vez que haya encontrado la casa en la que usted puede imaginarse, su agente discutirá las estrategias y tácticas que harán que sea una gran oferta. Recuerde, todas las negociaciones no son iguales. Su estrategia deberá ser específica para el mercado actual, y su agente calificado es uno de los mejores activos para asegurarse de que presente la mejor oferta posible.

Supervision Del Proceso De Contratación Después de la ratificación, hay muchos plazos y obligaciones contractuales. La atención al detalle es importante y su agente se asegurará de que se cumplan esos plazos. Aunque las transacciones inmobiliarias deben estar bien planificadas y gestionadas, no hay garantías de que no surjan problemas de última hora. Son los sistemas, la experiencia y las habilidades de gestión de transacciones de su agente los que ayudarán a minimizar el impacto de cualquier sorpresa y conducirán a una resolución para llevar su contrato a la meta final.

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The Home Buying Process

Don’t forget to breathe

Comprehensive Process. Consistent Results. With attention to detail and a deep understanding of client needs, our team has a proven record of delivering results.

Find A Home We will get lender pre-approval and establish a checklist for your specific home search.

Prepare An Offer We will review market value and comparable sales, determine contingencies, establish earnest money, and choose a title company.

Submit An Offer We will submit our thoroughly reviewed offer and move forward based on the three possible outcomes: accepted, rejected, or countered.

Ratification/Under Contract We will move to satisfy any contingencies such as home inspection, appraisal, financing, and review of property and condo/association documents. As well as satisfy any lender requirements such as insurance.

Final Details We will obttain final loan approval and closing disclosures, and make sure everything is checked and prepared.

Settlement We will provide funds due, conduct the final walk through, give final signatures, and get the keys!

Home Buyers Consultation I’ll provide insight about the current climate about the area in which you are looking to buy and offer guidance on financing.

Learning About You What are your needs & wants?

Location

Type of Home

Condition of the Home

Timing

Lifestyle

After we discuss your search criteria, we make it official and I become your agent! Following loan pre-approval, we begin the search for your perfect place.

Extensive Search. Strategic & Customized. After we’ve sat down to identify what is important to you and why, we will provide you with access to a wide range of resources to find your home. They will include, but are not limited to: BrightMLS. Your agent will have access to BrightMLS which is the multiple listing service used by our region’s real estate agents. BrightMLS will be the fastest source to get information about the newest listings in real time.

RealScout. McEnearney Associates has partnered with RealScout, the industry’s number one collaborative home search platform. RealScout allows you to have a highly curated search experience using smart technology to better refine exactly what you are looking for.

New Construction. New Homes are not always listed in BrightMLS. McEnearney Associates have worked with large and small builders throughout the region for the past forty years, and consistently network with builders to stay informed of the latest inventory.

Private Exclusives. Working with an agent who networks within the industry to learn about listings that are currently not being publicly marketed could really give you an edge and, especially in a competitive market, potential access to more homes.

Coming Soons. At our weekly Business Meetings, and through our daily internal communications, McEnearney Associates routinely announce their buyer needs and properties that will be coming on the market in the near future. This often gives you advance knowledge of properties before they hit the market.

Submitting An Offer So we’ve found you the perfect new home. Now what?

Offers should include various documents including your pre-approval letter from your lender. We will prepare the offer with you for your signed approval, and will present the offer on your behalf to the listing agent.

Components of an Offer Contract of Sale •

Price

•

Earnest Money Deposit

•

Settlement Date

•

Amount

•

Title Company

•

Escalation Clause

•

Home Warranty

Contingencies •

Home Inspection

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Appraisal

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Financing

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Condo/Coop/HOA Docs

Other Components •

Disclosures/Disclaimers

•

Financial Info Sheet

•

Pre-Approval

•

EMD Check

Contract of Sale This is the agreement between you and the sellers to purchase the property for a specific price. Other details defined in the contract of sale are the settlement company, date of settlement, and earnest money deposit amount. Additionally, the buyer may request to purchase a home warranty or have the sellers purchase one on their behalf.

More On Contracts of Sale In order to determine a starting price for the contract, we will research recently sold comparable properties. When multiple offers have been submitted on the same property, the property will likely sell for over the listed sale price. In an escalation clause, two numbers are provided: an escalation factor and an escalation cap. The escalation cap is the absolute max you are willing to pay. The escalation factor is the amount over the next best offer you are willing to pay. The agent compares all of the escalation caps of the offers that were received. The highest cap is usually looked at first and compared to the next highest. The highest offer will pay the cap of the next best offer plus the escalation factor defined in the escalation clause. The listing agent always provides proof of the offer that made your offer escalate. For example, your contract may offer the list price of $350,000 with an escalation clause defining the cap as $375,000 and factor as $2,500. If the next best offer was $360,000, your offer price would go to $362,500.

Loan Application

Earnest Money Deposit

After the contract is negotiated, you should apply for any financing necessary to complete the purchase. Notification of loan application is passed to the listing agent, who keeps the seller informed as the process progresses. During this process, buyers must furnish the lender pertinent information regarding their assets, income, debts and credit history.

Your EMD funds must be sent to the title company and deposited into the escrow account after contract ratification. The funds can be sent as a either a wire transfer or a check dropped off at the settlement company. These funds will be applied to your down payment and closing costs at settlement.

Once Your Offer Is Accepted Settlement

You’re a homeowner!

Receive your keys

Housewarming party!

Common Industry Terms Explained Agent

Contract

One who acts on behalf of another, representing that person’s interests and serving as intermediary.

Binding legal agreement between two or more parties that delineates the conditions for the exchange of value (for example: money exchanged for title to property).

Amortization A method of equalizing the monthly mortgage payments over the life of the loan, even though the proportion of principal to interest changes over time. In the early part of the loan, principal payment is very small and interest repayment very high; at the end of the loan that relationship is reversed.

Appraisal An expert judgment of the value or worth of a property.

Assessed Value The value placed on a property by a municipality for purposes of levying taxes. It may differ widely from appraised or market value.

Broker A real estate professional that has a higher level of training than an agent. Generally, this is one who is the legal representative or proprietor of the office.

Commission Fee (usually percentage of total transaction) paid to a broker or agent for services performed.

Deed Legal document that formal conveys ownership of property from Seller to Buyer.

Down Payment Percentage of the purchase price that the Buyer must pay in cash.

Earnest Money A large deposit paid when the sales contract is signed before closing.

Escrow A fund or account held by a third party custodian until conditions of the contract are met.

Hazard Insurance Compensates for property damage from specified hazards such as fire and wind. More complete coverage is given by all-risk homeowner’s insurance.

Home Inspection Report Prepared by a qualified inspector, it evaluates a property’s structure and mechanical systems.

Interest

Condominium (Condo)

The cost of borrowing money, usually expressed as a percentage over time.

Type of real estate ownership where the owner has title to a specific unit and shared interest in common areas.

Lien

Contingency A condition in the contract that must be met for the contract to be binding.

A security claim on a property until a debt is satisfied.

Market Value

Title Insurance

The price as established by current economic conditions, locations, and general trends.

Protects against loss from defects in the title.

Mortgage

A detail examination of the entire document history of a property title to make sure there are no encumbrances.

Security claim by a lender against property until debt is paid.

Multiple Listing Service (MLS) A system that provides to its members, detailed information about properties for sale.

PITI Principal, Interest, Taxes, and Insurance; the basis for your monthly mortgage payments.

Prequalification An informal estimate of how much financing a potential borrower might expect to obtain, done before paying substantial loan and application fees.

Prorate To divide or assess proportionately.

Realtor® A member of the National Association of Realtors®

Settlement All financial transactions needed to complete contract performance/obligations.

Title A document that indicates ownership of a specific property.

Title Search

Types of Ownership There are 4 types of ownership: Sole Ownership Only one person owns the property. Tenants in Common Two or more persons have an undivided ownership in the property. The percentage of ownership need not be equal; each party has a right to sell his interest, and upon the death of any of the owners that owner’s interest in the property goes to the deceased’s heirs. Joint Tenants Ownership is taken by two or more persons at the same time in equal percentages with an undivided right to possession. If one owner dies, his or her interest automatically goes to the remaining owner(s). Tenants by the Entireties Owners are husband and wife and together they hold title to the property with a right of survivorship. Upon the death of either, the survivor take sole ownership to the exclusion of the deceased spouse’s heirs.

Lida Rippe Licensed in VA, MD, & DC | m. +1 301 433 1405 | o. +1 202 552 5600 | lida@lidarippe.com | www.LidaRippe.com 4910 Massachusetts Avenue, NW Suite 119Washington, DC 20016

Con un MBA en Bienes Raíces y Mercadeo, experiencia en los sectores financiero y de comunicaciones, y una red de contactos locales y globales, Lida está preparada para manejar todas sus necesidades de bienes raíces, ya sea que sea residente local o se mude al área de Washington DC. Lida y su red de expertos en el sector han tenido éxito ayudando a más de 200 familias con sus necesidades inmobiliarias. Ya sea ayudando a compradores de vivienda por primera vez, navegando a través de alquileres, renovaciones completas de propiedades o incluso negociando en nombre de sus clientes con inversiones complejas; La experiencia de Lida en lograr el equilibrio perfecto entre el precio y elevar el valor para sus clientes ha sido un factor clave a lo largo de su carrera. Al ser multilingüe y haber trabajado en Asia, el Caribe y las Américas, Lida comprende las necesidades de su clientela internacional que forma parte de la comunidad global de embajadas, organizaciones internacionales, el Banco Mundial y el FMI. Para Lida, los bienes raíces siempre han sido ayudar y guiar a las personas a construir comunidades y una mejor calidad de vida. Su familia lleva más de 50 años en la industria desarrollando proyectos inmobiliarios comerciales y residenciales. En su tiempo libre, a Lida le gusta pasar tiempo con su familia, con su esposo, hija y mascota Ninja, participar en la comunidad al frecuentar los mercados del vecindario, parques y organizar eventos como miembro del Urban Land Institute. También es una ávida nadadora y bailarina de ballet. Especialidades Reubicación, Compradores de vivienda por primera vez, Propiedades de lujo, Proyectos de uso mixto, alquileres, Nueva construcción e inversión Idiomas: Español, Portugués, Inglés

2020

C O N F I D E N T I A L - M C E N E A R N E Y A S S O C I AT E S

Testimonials

“Lida fue excelente, me hizo todo el acompañamiento en la busqueda de mi casa , es una joven profesional, habla 3 idiomas y conoce mucho de bienes raices es jovial y dulce, tengo hoy mi nueva casa y vivimos muy felices aqui.” Luz Marina Lopez

“Lida is the tops!! During my relocation to Maryland, she efficiently showed me a wide spectrum of properties. She was full of information, professional and showed great attention to the details of the process. I am a very satisfied customer who is loving the metropolitan DC life. If you want the job done right, call Lida!!” Zillow Review

“We recently closed our home with Lida’s help. Lida did a phenomenal job by guiding us and taking the lead, offering recommendations and support. She is always available and a very hard worker. She definitely made a lasting impression upon us.” Google Review

“If you want an agent that will listen and pay attention to your requests and wishes for your new home, Lida is the right person. She’s punctual, resourceful and attentive. She found the perfect fit home for us when we were expecting our first child and needed a bigger space. We will definitely be working with her in the future when we need to find another property.” Katya L.

Lida Rippe Grupo Inmobiliario - Conocimiento, Experiencia y Resultados

27+ han ayudado a más de 200 familias a encontrar su hogar

Hablamos 3 idiomas: Español, Ingles y Portugues

Expertos Negociadores

Especialistas en Relocación/ Reubicación

27+ años de experiencia

Residencial, Comercial y Manejo de Propiedades

DC | MD | VA Oficinas en Washington DC, Maryland and Virginia

Servicios de Diseno de Interiores y Construcción

Considerable Background. McEnearney Associates is proud to celebrate 40 years of helping clients meet their real estate goals.

40 Years of Experience Residential Real Estate

Property Management

Commercial

Relocation

Merited Position. During that time, we have established ourselves as key players in the DC Metropolitan Area real estate market.

Top 100

Top 10

real estate companies in sales volume nationally

in sales volume per agent

(Real (Real Trends Trends Big Big Broker Broker Report, Report, RISMedia Power Broker RISMedia Power Broker Report) Report)

Network of

McEnearney Offices

360+ agents

250,000+

Largest

number of website page views annually

Broker-to-Broker Network in the world Luxury Luxury Portfolio Portfolio & & Leading Leading RE RE

transactions

Best Place to Work (WBJ) (WBJ)

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Gracias por hacernos parte de este lindo proyecto - Lida Rippe LIDA RIPPE GRUPO INMOBILIARIO ESTÁ COMPROMETIDO A BRINDARLE A TU FAMILIA LA ORIENTACIÓN QUE NECESITAS PARA HACER REALIDAD EL SUEÑO DE TENER UNA VIVIENDA PROPIA

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