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Buying a Home

Choosing the right REALTOR with experience and knowledge can make buying a home an enjoyable, easy to understand and virtually stress-free experience.  We offer lender referrals, counseling and strong negotiating strategies to enable you to achieve all of your real estate goals.

Why Choose Us? We are Accredited Buyers Representatives.ABR

A real estate buyer's representative represents the buyer who is purchasing property in a real estate transaction.  Research by the National Association of REALTORS has shown that when a buyer's representative is used, the prospective buyer found a home one week faster and examined three more properties than consumers who did not use a buyer's representative.

The buyer's representative works for, and owes fiduciary responsibilities to, the real estate buyer and has buyer's best interests in mind throughout the entire real estate process. A buyer's representative will:

  • Evaluate the specific needs and wants of the buyer and locate properties that fit those specifications. 
  • Assist the buyer in determining the amount that they can afford (pre-qualify), and show properties in that price range and locale. 
  • Assist in viewing properties — accompany the buyer on the showings, or preview the properties on behalf of the buyer to insure that the identified specifications are met.
  • Research the selected properties to identify any problems or issues to help the buyer make an informed decision prior to making an offer to purchase the property. 
  • Advise the buyer on structuring an appropriate offer to purchase the selected property. 
  • Present the offer to the seller's agent and the seller on the buyer's behalf. 
  • Negotiate on behalf of the buyer to help obtain the identified property — keeping the buyer's best interests in mind. 
  • Assist in securing appropriate financing for the selected property. 
  • Provide a list of potential qualified vendors (e.g. movers, attorneys, carpenters, etc.) if these services are needed. 
  • Most importantly, fully-represent the buyer throughout the real estate transaction.

 

The Home Buying Process

 

Home Listings

View My Listings or browse the Multiple Listing Service for your dream home.

 

Grants and Financing Your Home

Financial Assistance Programs to aid qualified buyers with down payments or closing costs.

 

Financing Your Home

Financing a home has become a serious challenge. It is extremely important to know what guidelines a buyer will need to meet to be approved for a loan. This can vary from an FHA/VA loan to a CONVENTIONAL type loan. Choosing a lender that is responsive, has fair rates and can answer your questions is the foundation of a successful home purchase experience.

Erin and Jerry Hill are pleased to recommend the lenders listed below. They can offer you a credit check - loan pre-approval and advice if there are issues to resolve.

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Five Topics to Discuss With Your Real Estate Agent When Buying a Home

Whether you’re ready to settle into your first home or looking to buy your fifth; are moving cross-country or cross-town, it’s smart to identify which attributes of a new home are most important to you. Be sure to sit down with your real estate agent and discuss your needs and wants for your new house. Here are five topics to think about when buying a home:

  1. What You Can’t Live Without
    Our lifestyle choices are often reflected in the homes we buy. Are you a motorcycle fanatic? If so, a roomy garage would be important to you. Have a big family? You’ll likely need to buy a home with at least four bedrooms. Perhaps you or your spouse is a gourmet cook. In that case, a well-designed kitchen could be a must for you. Before your real estate agent begins a home buying search for you, he or she will want to know which home attributes you can’t live without.
  2. Schools and Family Needs
    The quality of school systems has long been of importance to home-buying families. If you have children or are thinking about having children in your new home, you’ll want to discuss school information and statistics with your real estate agent. Not only is it important to consider the location of your home relative to area schools, but you’ll also want to think about the quality and diversity of local school offerings. Your real estate agent can provide statistics and information about both public and private schools in all the neighborhoods in which you’re considering buying a home.
  3. Commuting
    For many people, commuting from home to work and back is a necessary evil. A long commute can detract from a home-buyer’s quality of life and the time he or she gets to spend at home. Commuting should be a critical factor in home selection, because in many communities, traffic backups are increasingly common. And today, this phenomenon applies to urban, suburban and even rural areas. If having little or no commute to work is important to you, convey this to your real estate agent.
  4. Community Details
    Whether you hope to live in a vibrant urban neighborhood, or a charming rural town, the demographics, details and community statistics of a particular area are almost as important a consideration when buying a home as the details of the house itself. Do you want to live in the thick of the action? Prefer to get away from it all? If a particular aspect of a community is important to you—like a defined downtown area, or a strong recreation component—be sure to tell your real estate agent so that he or she can gather community information and keep this consideration at the forefront of your home search.
  5. Budget
    Of course, the most rigid constraint of a home-buying search is typically the buyer’s budget. Defining budget parameters quickly and early focuses a home search to a particular segment of the market. However, with the creative lending solutions available today, budget constraints are not as rigid as they once were or as many home-buyers assume them to be. Many innovative mortgage options are now available to both first-time and veteran home-buyers. Before beginning a home search, you should talk to both your real estate agent and your lender about your finance options and ultimately, your budget.


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Coldwell Banker The Real Estate Group Realty of Aurora, IL

Contact Info

Erin Hill — Ph 630-336-5962
Jerry Hill — Ph 630-336-5963

1242 Eola Road, Ste. F
Aurora, IL 60502