WELCOME TO THE TEAM ~ OUR NEW BUYER SPECIALIST!!

Nichole Willey & Associates would like to welcome Kimball R. Willey to the team as a Buyer Specialist!

Are you looking to buy real estate on (or off) the Cape? Let us help you! Call Kimball at 774~212~3338 now! http://www.findmycapecodhome.com/search/

Why do I need a Buyer's Agent?

Purchasing a home is most people's biggest investment - in their life! So, why wouldn't you want someone to represent YOU in the transaction??? And the best part is, IT'S FREE! That's right, totally free for you to work with us! And working with Nichole Willey & Associates gets you a team of specialists that are highly trained in their individual aspect of the real estate business. So, its's a WIN-WIN deal all around! You can register for a free account to search all the available listings on the Cape right at www.findmycapecodhome.com/search/.

What Kimball will do for you....

Kimball is a full- time buyer's agent dedicated to helping you find YOUR HOUSE. With access to 3 MLSs he can find you the newest and best listings that fit your criteria or needs - fast! He can help set you up with alerts so you can keep track of the houses that are available to you as soon as they come on the market. He knows the inventory and can help you get the answers you need about the property you are interested in. He has great relationships with local lenders so you can get the information you need to make the best decision for you and your family regarding financing. Overall, he will make the home buying process less stressful and more enjoyable for you! 

Call or text Kimball at 774~212~3338 anytime.

	Nichole Willey Nichole Willey & Associates Keller Williams Cape Cod 508-737-3567 Licensed In: MA

 

BUYING NOW vs. BUYING LATER ~ HOW MIGHT IT AFFECT YOU?????????????????

Wondering if now is the time to buy? 

Call Nichole R. Willey at 508.737.3567 with questions or to schedule a private appointment. www.findmycapecodhome.com is your real estate resource for finding the perfect home!

http://www.findmycapecodhome/search/

WHAT DO YOU NEED TO KNOW? Read on to find out...

A Shifting Market

There is a shift in the market taking place as we speak in certain price brackets. Inventory is minimal, even non-existent in some areas. There are more buyers in the market now than in the previous 3 years due to low interest rates and the ability for people to obtain financing. So with more buyers looking to buy and less inventory, the laws of supply and demand predict that the competition will drive prices up. Still not convinced that now is your time to buy?? Read on...

Changes in Mortgage Legislation

Have you heard of the QRM Ruling, or the Qualified Residential Mortgage Rule? It is part of the Dodd-Frank legislation. Look it up. What does it mean for you? Basically, the cost of getting a mortgage is going to be much higher...Right now, there are programs available with 0% down, or as little as 3% for other programs. With the changes taking place in the near future (like January 2013!) buyers will be required to put 20% down on a federally backed mortgage (FYI, that is between 85 and 95% of the loans written today!!)

Changes in Interest Rates

Wait! There's more!! Interest rates are going to change too! They are expected to rise at least one full point by the end of 2013! According to MarketWatch on 10/24/12, by the end of the first quarter of 2013, interest rates for a 30-year fixed mortgage will be approximately 3.9%, and 4.4% by the end of the 4th quarter. Get on the ball and speak to a mortgage expert today to find out what your options are and when the best time for you to purchase will be. Call me to get the search process started...Nichole R. Willey ~ 508.737.3567.

The Home Buying Process ~ 

For a great run-down on the home buying process check out this blog entry on About.com...Home Buying Path A to Z The Complete Home Buying Process

Whether it is to buy a dream home on Cape Cod, invest in Cape Cod Real Estate, or sell your property on the Cape, Nichole R. Willey is a specialist that will help you get to the closing table.

I am committed to delivering courteous, professional and timely service that will assist you in better understanding the home sale process. I am a trained, certified real estate agent specializing in the Cape Cod market and am prepared to help you find the right home for the best price. Call me now for your confidential  no obligation appointment and see for yourself how I go above and beyond your expectations to get the job done and done well.

		Nichole R. Willey Agent/ Partner Keller Williams Cape Cod	P: 508.737.3567 F: 508.771.8188	1600 Falmouth Road, Suite 2 Centerville, MA 02632

WHY DO I NEED A BUYER'S AGENT TO PURCHASE A HOME?

Hiring a Buyer's Agent for My Cape Cod Real Estate Purchase ~ by Nichole R. Willey, Your Cape Cod Real Estate Specialist

Visit www.aboutcapecodma.com or call 508.737.3567 for instant service

Making a real estate purchase is a big decision, and an even bigger commitment. For most of us it is the biggest one we will make in our lifetime. Between scheduling appointments and going to look at houses, making offers, negotiating the offers, scheduling home inspections, attending home inspections, closing and moving out of one place and into the new one, there is a lot to do! And yet many people still do not hire a real estate professional to assist them. It is tough to manage along with working full-time and other responsibilities. Looking for a home on Cape Cod? Start here... www.findcapecodhomesnow.com. 

So, just what is involved in a home purchase and why do buyers need a Buyer's Agent to represent them? Buyer's representation is usually free - for the buyer. Their commission is paid by a split of what the sellers pay the listing agent. A buyer’s agent is an agent who is engaged by a buyer to represent the buyer’s interests. The buyer’s agent does this by negotiating the purchase of a home at a price and on terms acceptable to the buyer. A buyer’s agent has, without limitation, the following fiduciary duties to the buyer: reasonable care, undivided loyalty, confidentiality, full disclosure, obedience and duty to account. A buyer’s agent does not represent the interest of the seller. The obligations of a buyer’s agent are also subject to any specific provisions set forth in an agreement between the agent and the buyer. In dealings with the seller, a buyer’s agent should (a) exercise reasonable skill and care in performance of the agent’s duties; (b) deal honestly, fairly and in good faith; and (c) disclose all facts known to the agent materially affecting the buyer’s ability and/or willingness to perform a contract to acquire seller’s property that are not inconsistent with the agent’s fiduciary duties to the buyer. Sounds good, right? The agent is working for the buyer and is legally responsible for representing the buyer's interests throughout the transaction. 

Looking to sell your Cape Cod home? More info here... Now what is a listing or seller's agent? A Seller’s Agent is an agent who is engaged by a seller to represent the seller’s interests. The seller’s agent does this by securing a buyer for the seller’s home at a price and on terms acceptable to the seller. A seller’s agent has, without limitation, the following fiduciary duties to the seller: reasonable care, undivided loyalty, confidentiality, full disclosure, obedience and duty to account. A seller’s agent does not represent the interests of the buyer. The obligations of a seller’s agent are also subject to any specific provisions set forth in an agreement between the agent and the seller. In dealings with the buyer, a seller’s agent should (a) exercise reasonable skill and care in performance of the agent’s duties; (b) deal honestly, fairly and in good faith; and (c) disclose all facts known to the agent materially affecting the value or desirability of property, except as otherwise provided by law.

So, as a buyer, if you go directly to the selling agent for your purchase, you are entitled to fair and honest treatment as defined by Massachusetts state law, however you are entering into the transaction with no representation and working with an agent who is legally bound to look out for the interests of their listing client. The listing agent will negotiate on behalf of their listing client. How does that benefit you, the buyer? 

The Home Buying Process ~ 

For a great run-down on the home buying process check out this blog entry on About.com...Home Buying Path A to Z The Complete Home Buying Process

Whether it is to buy a dream home on Cape Cod, invest in Cape Cod Real Estate, or sell your property on the Cape, Nichole R. Willey is a specialist that will help you get to the closing table.

		Nichole R. Willey Agent/ Partner Keller Williams Cape Cod	P: 508.737.3567 F: 508.771.8188	1600 Falmouth Road, Suite 2 Centerville, MA 02632