WHEN BUYING A HOME~ you will begin with the preapproval letter from a lender.

    A preapproval is when a loan officer speaks to you and pulls your credit report and asks you questions about your employment and your salary.  He is assuming that everything will match with documentation at a later date.  You do not have to have a final approval before you put an “offer” on a home.  You will have a specified amount of days in the contract to get a complete approval.  You will receive a letter stating that you have a preapproval based on the information given.  To choose a loan officer you need someone that is easy to contact and calls you back in a timely manner.    I prefer local mortgage companies as opposed to looking on the internet.  Beware of the papers and low interest rates that change at closing.  Sometimes they will make it sound like a “good deal” but in reality they are getting paid more in fees.  If you are buying a new home the builder usually has a mortgage company and will give extra incentives to use their mortgage company.  I have never had any problems using a builders mortgage company.  It is important to use a realtor when buying a new home.  An agent will be  able to make sure their are no hidden fees.

When you are preapproved by the lender then you can start looking for a home.  Homeowners do not want unqualified people looking at their home.  You will have more leverage in negotiating  over someone that is not preapproved.  A good home will often have multiple offers.  Usually the foreclosures require a letter of approval to accompany the offer to the bank. 

HERE IS WHAT THE LENDER WILL ASK FOR:

• Keep your last 3 months paycheck stubs
• Find your past 2 years W2 forms from the IRS.
• Then you will need all of your bank statements for 3 months.
• Remember do not make any major purchases or job changes.
• When you get preapproved get a letter for your realtor.  Your ready to go look at houses!  You can look online and make sure you communicate with your realtor to save time and frustration. 

OTHER INFORMATION MAY BE REQUIRED DEPENDING ON YOUR CREDIT AND CIRCUMSTANCES.

 

              

Cheryl Brewer 

  Let me assist you selling or buying in Arlington, Mansfield, Grand Prairie and surrounding areas.  I will work in all areas of the DFW metroplex. I have been a realtor for 11 years with Ebby Halliday Realtors.  I have sold houses all over the Dallas Fort Worth metroplex.  I have recently sold in Aledo, Argyle, Azle, Burleson, Benbrook, Bedford, Colleyville, Coppell, Cleburne, Dallas, Dalworthington Gardens, Euless, Frisco, Fort Worth, Grand Prairie, Grapevine, Granbury, Hurst, Haslett, Irving, Joshua,  Lantana, Little Elm, McKinney,  Mansfield, Newark, Southlake, Waxahachie, Weatherford.

My mission is to treat my clients like I would want to be treated and to give the best service possible putting the client needs above my own.  I will stay on the cutting edge to insure my clients are getting the best possible representation.  I will be honest and trustworthy working toward excellance in all that I do.  I will be available whenever needed just a phone call away.  My past clients have become my friends. 

I have experience in negotiating, pricing homes to sell, marketing homes, staging homes, working with buyer’s and seller’s to exceed their expectations.  I stay informed taking continued education to be knowledgable of all aspects of the real estate market.  If you are in the Dallas Fort Worth area I would love to  meet you to see if we would make a good team.

   I have a special incentive for sellers.  Call for details. 817 217-0005

Buyer’s Representative   First Time home buyer’s down payment assistance. 

LETS GET STARTED

  Call Cheryl today for your REAL ESTATE  questions.  I am never too busy to help you!  If you have relatives coming into town I would love the opportunity to work with them. 

I have extensive experience in all aspects of the REAL ESTATE market.

Call Cheryl 817 217-0005      HAPPY HOME SEARCH 

 

 

WHAT YOU SAY DOES MATTER!

If you are negative in your speech you will have negative actions around you.  Don’t carry around negative things.  It only makes problems worst.  Agents need to learn to smile and walk away.  Talking about your problems is not productive. 

Motivational speakers Zig Zigler, Brian Tracy, Jim Rohn,  all agree that you do not want to focas on negative things in your life.  Today is fresh and new to use for positive affirmations. Write the things that bother you down and throw them in the trash. 

The Bible is the first to speak about keeping a good attitude and not to let any corrupt thing come out of your mouth, life and death or in the power of the tongue.  What does that mean?  We can control what we say and what we think.  We are in control!

Never say anything negative about yourself.  NOTHING!   You will find that you are happier, healthier, and you will attract people that want to be around you.  Your sales will increase because you are not talking about problems.  Talk solutions not problems. 

When you are putting your house on the market to sell it is a good thing to have a real estate agent for so many reasons.   10 reasons that you need to hire an agent.

1. COMPARABLES FOR THE NEIGHBORHOOD  The agent is going to give you a Comparable Market Analysis than will compare the sales in your subdivision to the other properties that have sold.  That will give you an idea of what your house will sell for.  We have formulas that will give us a good idea what to market price your house will sell for. 

2. SETS UP SHOWINGS FOR YOUR HOME.  You do not want to show your own house.  Not only is it risky because of predators but the buyers do not feel comfortable asking questions about the house if the seller is present.  They feel they are intruding when the seller is home.  They may lie and say oh yes they love the house when they are with the seller.  When they get in the car and they were just trying to be “nice”. 

3. SAVES YOU MONEY ON REPAIRS A real estate agent will tell you where to spend your money to fix up the house that will increase the value. 

4. HAS AGENT FRIENDS THAT MAY HAVE A BUYER FOR YOUR HOME.  You need an agent that will market the house to other real estate agents even before it hits the MLS.  That is why you go look at a house that has just been on the market one day and it is already sold. 

5. NEGOTIATES THE CONTRACT   When the offer comes in you need a third party that can negotiate for you to get the best deal,  Someone that is not emotionally tied to the house.  A real estate agent is trained and has experience and will get the most money possible for you.

6.PROBLEM SOLVER   An agent knows what to do when there is a problem with an inspection.  They have people they can call to do repairs in a short time span.  They know what can be negotiated in the contract.   

7. EXPLAINS THE PROCEDURES  Moving is one of the most stressful times of your life.  It is good to have someone that can explain the process and make you feel at ease. 

8. SMOOTH CLOSINGS Sometimes things go wrong with the buyer and the loan.  An agent makes sure things are running smooth so that there are no hiccups or problems at closing.  Problems should not get to the closing table.  They should be resolved in advance.

9. MARKET YOUR HOME  Marketing your home will take time and money.  The internet is a great way to market but it is just one way.  The market now requires more work than a couple of years ago.  The agent has ways to market that will make your house stand out. 

10. PROFESSIONAL  You would not try to perform an operation on yourself, would you?  Selling a home is a important process if not handled correctly could end in a court battle.  Hire a professional that has experience in all aspects of real estate.   The contracts are ever changing and you need someone that has knowledge of all the updates.  This could save you a bundle of money!

Cheryl Brewer

Multimillion Dollar Producer

Top Sales Agent 1997-2008

817 217-0005

cheryl@cherylbrewer.com  Servicing homes for sale in Arlington, Mansfield, Texas.

1.  Call a Realtor that you can trust. 

2. Do everything the Realtor tells you to do.

3. Price the house to sell. 

4. Do not overprice for the buyer to “bring you an offer”

5. Declutter the house.  Put things in boxes in the garage.

6. Clean out closets so they are not too full.

7. Clean the house, base boards, wood doors, carpet.

8. Hire a Professional Stager. It will save you money in the long run.

9. Take good pictures with a wide lense camera at the right time of day for good lighting.

 CHERYL BREWER a Realtor you can trust!

REAL ESTATE EXPERTS

Cheryl Brewer & Associates Real Estate one of the Top Producing Real Estate Team servicing the Dallas Fort Worth Metroplex.  Including Arlington, Mansfield, Irving, Grand Prairie, Keller, Aledo, Burleson, Frisco, Weatherford, Plano, Colleyville, Southlake, Grapevine, Flower Mound, and Lewisville.

CONTACT CHERYL BREWER AT 817 217-0005

 OR cheryl@cherylbrewer.com

http://twitter.com/cherylbrewer

http://www.facebook.com/cherylbrewer

http://www.trulia.com/profile/cherylbrewer/

cheryl brewer & associates

Mansfield is located South of Arlington

 Mansfield Texas is a fast growing city in the Metroplex.  Mansfield is known for a solid school system that has high grades.  There are several subdivisions that are all price ranges from low 100’s to the low millions.  There is a country club with 3 golf courses swimming and tennis.  The YMCA built in 2005 has been known to turn away people because of the membership.  A new open air mall is being built opening at the end of next year. Mansfield is close to both Dallas and Fort Worth making it an ideal place to raise a family.  I 287 connects the Fort Worth and goes to Midlothian, Cedar Hill. 

Mansfield is just south of Arlington.  If you drive down Cooper in Arlington you will be in Mansfield at the Turner Warnell intersection.  Shopping, resturants, stores, centers and a variety of salons have been popping up all around the Mansfield area. 

You can dine at Applebees, Johnny Carinos, Springcreek, Palitos, The Mexican Inn, as well as all of the fast food resturaunts.  Starbucks is located on 287 and Cooper. 

People that live in Mansfield commute to Dallas or Fort Worth.  It is about a 30 minute drive.  I lived in Mansfield for 3 years and I loved the home town feel.  There are several churches, one of the largest is Overcoming Faith Christian Center. 

  I enjoyed living in Mansfield Texas. It has a small town feel close to both Dallas and Fort Worth.  There are several new resturants, stores, churches and private schools.  Mansfield is a good place to raise a family because the school system has been highly rated. 

Cheryl Brewer

Multimilliondollar Producer

Top Sales Agent 1997-2008

817 217-0005

cheryl@cherylbrewer.com

First Time Home Buyer’s ONLY

As a result of the recent government Stimulus Package, The U.S. Department of Housing and Urban Development (HUD) has recently introduced new increased FHA loan limits resulting in a loan program that is an excellent opportunity for a large percentage of the country. FHA insured loans are the most attractive and beneficial loans for borrowers.  A minimum 580 FICO score the generally accepted lower limit for loan approval.  This also makes the FHA loan available to a wide range of borrowers, even those who may think they cannot be approved. In addition, FHA is one of the only programs that will allow you to move into your new home with no money out of pocket at closing. 

If you are looking to purchase a home, the current low rates allow the most buying power for the payment to be lower. Combine this with the fact that home prices have come down in almost every area of the country and you have one of the best opportunities in history to own a home.

table. 

I have a team of mortgage experts that will help you get your letter.  Call Cheryl Brewer 817 217-0005 for more information.  I will help you in every area of your home buying and selling needs. 

Cheryl Brewer

Multimillion dollar producer

Top sales agent 1997-2008

817 217-0005

 Homes for sale in Arlington, Mansfield, Lewisville, Fort Worth, Dallas, Grand Prairie, Colleyville, Keller, Southlake, Aledo, Burleson, Irving, Flower Mound, Frisco, Mckinney.

      Cheryl Brewer has Happy Homeowners! 

Cheryl Brewer & Associates   817 217-0005  

  Cheryl Brewer a licensed realtor is located in the Dallas Fort Worth Metroplex.  She can help you find a home and move in from start to finish.   She will take care of all of the details and the last minute negotiations.  You will be glad to have Cheryl and her team of experts working for you.  Moving is one of the things that causes stress in our life right up there with getting a divorce.  It is important to have a professional that has experience.  Her success has been extraordinary winning both top sales awards and customer service awards.  She works endlessly to help you with your home buying and selling goals.  She will make it look effortless as she will treat you like you are her only client.  Listening and caring about the needs of clients making every effort to be available for every clients schedule. 

“I am in the right business because I love to look at houses.”

 I tell the client exactly what it will take the sell the house.  I know what buyers they are looking for.   The details are the most important.  I go through the house with the seller and point out things that a buyer may notice.  A BUYER WILL SEE EVERYTHING!  This is something I offer when I list a house.  I will also do FREE staging of the home.  I will show the seller where to put the furniture and what to put away.   We want the buyer to look at the house not the decor.  

Cheryl’s listings sell in record time.  If you prepare the house to sell you will make more money and the house will sell faster.  Then everybody is happy!

Cheryl Brewer has been a realtor for the past 11 years working with Ebby Halliday realtors.  She has gotten the best training in the business.  Her expertise is in all aspects of buying and selling residential properties in the Dallas Fort Worth area.  She has lived in this area all of her life and has a good solid knowledge of the cities that surround the metroplex. 

Cheryl Brewer & Associates has the knowledge and experience to help you through all of your house buying and selling needs.  For a PERSONAL TOUCH call Cheryl.

 If you would like a FREE Comparable Market Analysis  give Cheryl a call 817 217-0005 

Cheryl Brewer ” A REALTOR You Can Trust!”

817 217-0005 or email cheryl@cherylbrewer.com