When Buying a home, a REALTOR®:

• Has the most information in one place about what is on the market, including homes listed by other REALTORs®. You won't waste time looking at unsuitable homes.

• Helps you determine how much home you can afford, how you can acquire the down payment and what financing options may be open to you.

• Can help you find the home best suited to your needs- size, style, features, location, accessibility to schools, transportation, shopping, etc.

• Can supply information on real estate values, taxes, utility costs, municipal services and facilities.

• Can suggest simple changes that could make a prospective home more suitable for you and improve its utility and value.

• Has no emotional ties to a home, can be objective about it and can point out its advantages and disadvantages.

• Acts as an agent between you and the seller to present offers and counter-offers until an agreement is reached. Is bound by a Code of Ethics and pledges to protect and promote the interest of the buyer by providing fair treatment for all parties involved in the transaction.

When Selling a home, a REALTOR®:

• Is bound by a Code of Ethics and pledges to protect and promote the interests of the seller by providing fair treatment for all parties involved in the transaction.

• Is knowledgeable of the market and gives you the quickest exposure to the maximum number of buyers.

• Qualifies prospects as to their affordable price range and housing needs.

• Knows current real estate values and can help you set a realistic, competitive price. This skilled professional knows how to merchandise your home effectively.

• Is familiar with the local home-loan market and can help you determine whether seller-assisted financing may expedite your sale.

• Can figure the net proceeds from your sale, taking into account your outstanding loan balance, closing costs and possible owner financing.

• Can tap an even larger market through referrals and marketing techniques.

• no costs you from the problems associated with showing our home. The REALTOR® handles phone inquiries, appointments, showings and negotiations of the contract.

• Maintains objectivity in presenting offers and counter-offers.

• Can familiarize you with the closing procedures by explaining them all in advance.