What is a Realtor® and why should I use one?

Buyers:

The number one reason to secure an exclusive REALTOR® to help you purchase a home? It is FREE!
-When homeowners list their homes for sale with a REALTOR® they sign a contract called a listing agreement.  In that agreement, terms are made to compensate both the listing agent and a buyer’s agent for prospective buyer’s.  Typically it is stipulated in the listing agreement contract that the sellers will pay a commission based on the sales price of the home.  It is then stipulated that the listing agent will pay half of that commission to any REALTOR® who brings a buyer to purchase the home.  If a prospective buyer forgoes having representation, they give up the right to representation which could help them secure a better deal with there best interest in mind.  

A REALTOR®:

-Has many tools to help you in your home search like the multiple listing service (MLS) and a supra key.  The MLS is the database that every home that is for sale is posted on.  A supra key gives a real estate agent access to show you any home on the market, reguardless of who has it listed.
-Can provide objective information about each property and point out aspects of the home you may not notice right off.
-Can help you negotiate not only the sales price, but who will pay for title policy, survey, residential service contracts, buyer’s closing cost, how much earnest money, terms of the option period and MANY other negotiable points.
-Can help you determine how much you WANT to spend, not just determine what you are qualified to spend.
-Can guide you from the moment you offer on a property all the way through the closing.  The buyer is responsible for meeting many deadlines and a REALTOR® will make sure you comply with all the provisions.

Sellers:

When you sell your home the most important factor is having a fair and reasonable sales price.  A REALTOR® has access to current market data on the MLS that is crucial to determining your asking price. The knowledge of what homes in your area have sold for and the financing used will set the guidelines for the value of your home.  Without this knowledge it is impossible to price a home at the correct value to bring in top dollar in the shortest amount of time.

A REALTOR®:

-Will market your property on the MLS and through the internet, print ads, fliers and open houses.

-Will give you tips and suggestions to make your home “show ready”.

-Will provide security by pre-screening and accompanying qualified prospects through your home.
-Can help you objectively evaluate every buyer’s proposal without compromising your marketing position.
-Can help you through the closing process.

Buying or selling a home is one of the biggest financial transactions that most people experience in their lifetime.  A REALTOR® is a professional trained to look out for your best interest and can be an unbiased asset in an emotionally charged transaction.  Why take a chance “winging it”?  Call Symphony Realty today!

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Look forward to designing your floor plan and choosing your amenities with Symphony Homes dedicated Staff.  You will experience interactive meetings to determine the right floor plan and selections that work for you.  Visit their website at SymphonyHomes.net to gather more information on the building process and see their online picture portfolio.

Springs at the Escarpment

Symphony Homes current lots available for building: 3,5,6,7,74,76,77,78,79,80,81,83.

Contact the Symphony Realty office to check the availability of all other lots. (254) 699-0051

1476 Niagara Heights

Symphony Homes is currently planning to build this elegant spec home on lot 8 in the Springs  at the Escarpment subdivision.  Contact Symphony Realty today to find out more information on the features that will be included in this home!

- The $8,000 tax credit is for first-time home buyers only. For the tax credit program, the IRS defines a first-time home buyer as someone who has not owned a principal residence during the three-year period prior to the purchase.

- The tax credit does not have to be repaid unless the home is sold or ceases to be used as the buyer’s principal residence within three years after the initial purchase.

- The tax credit is equal to 10 percent of the home’s purchase price up to a maximum of $8,000.

- The tax credit applies only to homes priced at $800,000 or less.

- The tax credit now applies to sales occurring on or after January 1, 2009 and on or before April 30, 2010. However, in cases where a binding sales contract is signed by April 30, 2010, a home purchase completed by June 30, 2010 will qualify.

- For homes purchased on or after January 1, 2009 and on or before November 6, 2009, the income limits are $75,000 for single taxpayers and $150,000 for married couples filing jointly.

- For homes purchased after November 6, 2009 and on or before April 30, 2010, single taxpayers with incomes up to $125,000 and married couples with incomes up to $225,000 qualify for the full tax credit.

The $6,500 Move-Up / Repeat Home Buyer Tax Credit high points

- To be eligible to claim the tax credit, buyers must have owned and lived in their previous home for five consecutive years out of the last eight years.

- The tax credit does not have to be repaid unless the home is sold or ceases to be used as the buyer’s principal residence within three years after the initial purchase.

- The tax credit is equal to 10 percent of the home’s purchase price up to a maximum of $6,500.

- The tax credit applies only to homes priced at $800,000 or less.

- The credit is available for homes purchased after November 6, 2009 and on or before April 30, 2010. However, in cases where a binding sales contract is signed by April 30, 2010, the home purchase qualifies provided it is completed by June 30, 2010.

- Single taxpayers with incomes up to $125,000 and married couples with incomes up to $225,000 qualify for the full tax credit.

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