Real life in real estate does make for good topics. And buying a Midtown Atlanta Condo is one of them.
I don't work on a typical real estate "team," but I have a team.
A Mortgage lender that knows my local market -- (I work almost exclusively in condominiums....need I say more?)
An appraiser that can help us determine the value of your condo. (After all the appraisal is what a lender will loan on!)
A handyman (several of them) to help with repairs to get the place in shape.
And so on and so on.
So Mr. Buyer, why do you feel the need to go get your own team member and try to add them on?
And while I'm not picking on lenders, my challenge is always with the lender. I've got great relationships with several lenders I work with, depending on the Buyer's needs. These are people I have worked with for years, and quite simply, they get the job done. That job is to get you The Buyer a loan to purchase your Midtown Atlanta condo.
So, you find me through my knowledge of my market place....my blog and my posts about the very building you are interested in. GREAT! I know I'm doing the right thing. We talk, and I advise you that before we start out and open doors, we need to know which door you can afford, or as I often say, what you are comfortable paying. Just because you can AFFORD a $1600 per month mortgage payment does not mean that is what you want to spend.
So, I give you a couple of my lenders contact information. Hey...we ARE people and you may click with one versus the other. I let both of them know they will be hearing from you, and we agree to talk in a few days.
Nothing.
You don't contact the lenders. I follow up (most often they let ME know they've not heard from you) So, I call you. "Hey, just checking in. I spoke with Hank and Fred and they have not heard from you." To which you reply, "Oh, I contacted Mr. Big National Lender and got pre-qualified for (insert Loan amount)
You've identified a Midtown Atlanta condo building that has some unique HOA issues. Nothing that makes it an unstable community or a bad lending risk, just some unique issues. Guess what? Mr. Big National Lender is going to bounce you on the street when someone in Two Dot, Montana ( I can say Montana...I am from there) denies your loan because of "issues with the HOA."
Yet if you would of worked with my LOCAL lender that knows the community and understands the HOA issues, we would be on our way to the closing table.
I want to be your trusted advisor. I want to help you make the best possible buying decision you can when you purchase a Midtown Atlanta condo. But if you don't trust me, it just might be a bumpy road that does not take you where you want to be.
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