2019 Buyer Handbook

Buyer

Handbook

In 2018

Robbie Breaux & Team

Helped

200 Families!

That’s One House Every 1.82 Days!

The Average Agent Sells 4.46 Properties a Year

We’re creating relationships for life!

The Power of a Team

A real estate team unites clients, agents, administrative staff and automated systems together to provide a vast array of services rapidly and with great attention to detail. As a tight-knit, experienced team we provide you with high-quality, beneficial services that bring real value to a transaction.

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Call: 337.267.4099 RobbieBreauxTeam.com

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No matter how you find a home...

FOR SALE

BY OWNER

ANOTHER AGENT’S SIGN

Call Me First!

ONLINE SEARCH

REAL ESTATE SITE (ZILLOW)

Why In 2009, eXp Realty launched the first ever cloud-based brokerage. We believe that agents should have a choice in how and where they work, and that real ownership is the best motivator. Today eXp Realty is one of the fastest growing real estate brands in North America, with thousands of agents operating across the United States and Canada.

As a team, we loved the technology and freedom working at such a forward company provided for us.

The camaraderie, knowledge base, and support we have received has been unbelievable. We love being part of a company that is doing such amazing things in the real estate world.

Call: 337.267.4099 RobbieBreauxTeam.com

&TEAM

Buying Process FIND A REALTOR YOU CAN TRUST

&TEAM

GET PREAPPROVED

SCHEDULE SHOWINGS TO VIEW HOMES

MAKE AN OFFER ON THE HOUSE YOU WANT

YOU ARE UNDER CONTRACT

Buyers Market:

Deposit/Earnest Money:

A buyer’s market occurs when the supply (available properties for sale) exceeds the demand (the number of buyers seeking to purchase properties).

This deposit demonstrates the buyer’s good faith in the transaction. The deposit is made to and deposited with the Real Estate Company or Title Company.

Sellers Market:

Home Inspection:

A seller’s market occurswhen demand exceeds supply (there are more buyers seeking to purchase properties than there are available homes on the market).

A home inspector serves as a general practitioner to identify potential problems in the home before a buyer purchases a home that may have significant issues. Should problems be found generally you will call in a specialist such as a roofer, electrician, etc.

Call: 337.267.4099 RobbieBreauxTeam.com

DUE DILIGENCE PERIOD

APPRAISAL & TITLE

COMPLETE MORTGAGE APPLICATION

CLEAR TO CLOSE

CLOSING DAY!

Enjoy your new home!

Down Payment:

Qualifying the Mortgage:

Home buyers will often pay 0%-20% of the total value of the home, and a bank or other financial institution will cover the remainder of the costs through a mortgage loan.

Most lenders required that your monthly payment not exceed between 25-28% of your gross monthly income. Your mortgage payment to the lender will include the following items: the principal (P) on the loan, the interest (I) on the loan, the property taxes (T), and the homeowners insurance (I).

This is commonly referred to as the PITI. Your monthly PITI and all debts (installment loans & revolving charge accounts) should range between 3-38 & of your gross monthly income.

Closing Costs: Typically, total closing costs will range between 2-5% of your mortgage loan amount. In today’s market, it is not uncommon for the seller to be asked to pay some or all of the buyer’s closing costs. There is no obligation for the seller to do so, merely a factor of the current market conditions.

Call: 337.267.4099 RobbieBreauxTeam.com

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PROTECT YOUR LOAN APPROVAL DO notify your loan officer if your

address changes.

DO tell your loan officer if your

salary or your co-borrower’s wage changes.

DO keep documentation for all

significant deposits to your bank accounts.

DON’T make any large purchases

on existing credit without first talking to your lender.

DON’T apply for or acquire any

additional lines of credit/credit cards.

DON’T pay off or transfer credit

card balances or close any credit card accounts unless instructed by DO report if you transfer funds from your loan officer. one bank account to another.

DO acquire homeowner’s insurance DON’T change jobs without

as soon as possible after getting under contract.

DO stay current on all your existing

credit cards, housing payments, and other accounts/debts.

DO let everyone involved know if

you have any vacations planned during the loan process.

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Call: 337.267.4099 RobbieBreauxTeam.com

consulting your loan officer.

DON’T co-sign for another person

to obtain a line of credit or make a purchase.

DON’T pay off any collections

unless your loan officer tells you to.

Social Media

In today’s society, social media rules the internet. We have profiles on many social media pages including Facebook, Twitter, Instagram, Pinterest, Linked In, Youtube, Google Plus, and a blog.

Facebook

Twitter

Instagram

Pinterest

YouTube

Blog

Call: 337.267.4099 RobbieBreauxTeam.com

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We Are Lafayette Strong!

We know these neighborhoods, from small boutiques to neighborhood restaurants, Ragin Cajun athletics to Festival de International, we know what makes living in this city so special.

We work here because we love it!

It’s not just about buying a

house, it’s about building a life!

Search MLS for FREE with our website:

SearchHomesinLafayette.com

®

®

Call/Text (337) 267-4099 E: Info@RobbieBreaux.com www.RobbieBreauxTeam.com 3 Flagg Place, Suite B-4 | Lafayette, LA 70508

3 Flagg Place #B-4, Lafayette, LA 70508 • (337) 267-4099 • Licensed in Louisiana • Printed 1/01/2019 Van Eaton & Romero a Latter & Blum Company • 2000 Kaliste Saloom Rd. Ste 101 • Lafayette, LA 70508 • (337) 233-9700 • Independently Owned & Operated • Licensed in Louisiana • Printed 1/01/2017