true buyer agents

2:00 What are you comfortable paying for a monthly mortgage payment?

3:12 What is your creditworthiness? Things to consider, your credit history, credit score, and your ability to repay the loan, or do you have steady employment?

4:15 What are you paying for at this time? This includes car payments or any monthly payments

5:10 How much does it cost to buy a home? Have you saved money? Are you receiving gift funds? 

8:28 What is a credit check? Does it ding your credit score?

10:00  What is a VA loan? What is a conventional loan? What is an FHA loan?

10:45 What is a down payment?

12:00 Who are Fannie & Freddie? 

12:45 Explanation of an FHA loan

13:32 What is Private Mortgage Insurance (PMI)?

16:17 What are closing costs? These will vary across the country

17:10 Why would a home buyer buy points? (on the loan)

18:20 What are escrow fees, recording fees, and settlement/title costs?

20:00 Explains buying down a rate a little more

22:00 Explains the options with different types of loan products

22:35 Why communication matters during the transaction

Learn more about Alex Margulis on his website with Cross Country Mortgage 

Learn more about Victoria Ray Henderson with The Buyer Brokerage  

and follow Victoria on HomesBuyHendersons Instagram 

or at HomesBuyHendersons

Listen Up, Home Buyers! The podcast offering advice and tips from true buyer agents. 

Host and Producer, Victoria Ray Henderson is the owner and broker of HomeBuyer Brokerage in the Washington D.C. area. Victoria is and a member of the National Association of Exclusive Buyer Agents. 

Meet four female members of the National Association of Exclusive Buyer Agents. These women are exclusive buyer brokers and agents helping home buyers achieve their dream of owning a home.  Charlotte Lemon with The Real Buyer's Agent in Charleston SC, Rona Fischman broker-owner of 4 Buyers Real Estate in Cambridge MA, and Nikolina Lecic broker-owner of Exclusive Buyers Real Estate in Rochester Minnesota!

3:32 Charlotte Lemon in Charleston SC over 100 buyers looked at a single property

4:47 Rona Fischman in Boston on when this crazy market going to end? The pandemic is a factor as is low inventory. 

8:05 Victoria Ray Henderson in Washington DC & Baltimore Metro area on the different market conditions depending on how close or far you are from the major cities. 

9:00 Nikolina Lecic in Rochester Minnesota on how first-time homebuyers need time to get up to speed with how competitive the market conditions are for single-family homes and condos. 

15:00 The earnest money deposit-what is it and how does it affect the home purchase. 

20:00 What you can do to be a strong buyer

26:00 What is a pre-contract home inspection?

30:00 What is fair housing? What does a homebuyer need to know about writing a personal letter to the seller? 

Listen Up, Home Buyers! The podcast offering advice and tips from true buyer agents. 

Host and Producer, Victoria Ray Henderson is the owner and broker of HomeBuyer Brokerage in the Washington D.C. area. Victoria is and a member of the National Association of Exclusive Buyer Agents. 

 Meet Yvonne & Glen Blanc of Pro-Spex Residential & Commercial Home Inspection Services. A+ rating from the Better Business Bureau and winners of Angie’s List Super Service Award 8 years in a row. 

I always learn something new when I have the opportunity to speak with this amazing team. Today’s topic is radon gas an odorless colorless naturally occurring gas that can cause lung cancer. It’s a serious issue with relatively easy solutions. Yvonne and Glen Blanc talk about what radon gas is and how to mitigate the problem if high levels are detected in a home.

Radon is a serious concern and all home buyers regardless of where you live should know what it is and how to mitigate radon gas if high levels of the gas are found in a home. 

Listen Up Home Buyers is created by Victoria Ray Henderson for the National Association of Exclusive Buyer Agents. 

Listen Up, Home Buyers! The podcast offering advice and tips from true buyer agents. 

Host and Producer, Victoria Ray Henderson is the owner and broker of HomeBuyer Brokerage in the Washington D.C. area. Victoria is and a member of the National Association of Exclusive Buyer Agents. 

Members of the National Association of Exclusive Buyer Agents (NAEBA) meet to discuss home buying advice and strategies to help homebuyers.  Should you write a backup offer? How does the home buying process work?  When is the best time to buy a home? Why is the housing market so challenging for home buyers? 

Meet Lisa Velenovsky an exclusive buyers agent with Buyers Edge in the Washington DC area, 

David Kent the Broker/Owner of The Real Buyer's Agent, Charleston SC, Benjamin Clark the principal broker of Home Buyer Representation in Salt Lake City Utah, 

Jim Deskin the owner and broker of The Home Buyers Advocate in Columbus Ohio, 

Nick Martin an exclusive buyer agent with Buyers Choice Realty in Massachusetts. 

I'm Victoria Ray Henderson an exclusive buyer broker with The Buyer Brokerage in McLean Virginia

Listen Up, Home Buyers! The podcast offering advice and tips from true buyer agents. 

Host and Producer, Victoria Ray Henderson is the owner and broker of HomeBuyer Brokerage in the Washington D.C. area. Victoria is and a member of the National Association of Exclusive Buyer Agents. 

In this episode members of the National Association of Exclusive Buyer Agents (naeba.com) discuss who represents you, the buyer.

Guests-

Gea Elika Owner & Principal Broker of Elika, an NYC exclusive buyer brokerage  in Noho servicing Manhattan, Brooklyn, Queens, Long Island, and The Hamptons

Andi DeFelice Broker with Exclusive Buyer Realty serving buyers in Savannah Georgia 

Nikolina Lecic, M.B.A.Broker/Owner of Exclusive Buyers Real Estate in Rochester Minnesota

Dave Twombley Exclusive buyers agent with 4 Buyers Real Estate in Massachusetts

For more information on real estate representation go to the Consumer Federation of America's website:

https://consumerfed.org/reports/why-required-real-estate-agent-disclosures-about-representation-fail-and-how-they-can-be-improved/

Listen Up, Home Buyers! The podcast offering advice and tips from true buyer agents. 

Host and Producer, Victoria Ray Henderson is the owner and broker of HomeBuyer Brokerage in the Washington D.C. area. Victoria is and a member of the National Association of Exclusive Buyer Agents. 

This episode of Buying a Home During the 2020 Pandemic is part one and features exclusive buyer agents and brokers sharing their unique expertise on home buying. These guests are members of the National Association of Exclusive Buyer Agents and include; 

Mike Crowley owner of Spokane Home Buyers in Spokane Washington, Benjamin Clark owner of Homebuyer Representation Inc in Salt Lake City Utah, Andi DeFelice Broker of Exclusive Buyer's Realty Inc in Savannah Georgia, Richard Rosa co-founder of Buyer's Brokers Only serving homebuyers in the Boston area, Margaret Lebenson with Elika Associates in New York, New York, Ramzey Khoury with HelpUBuyAmerica in Houston Texas and Richard Harty Broker with Harty Realty Group serving home buyers in the Chicago area. 

What's it like touring houses during the pandemic? Has the pandemic effected the housing market and if so, how? What should home buyers do to prepare for buying a home right now? How are exclusive buyer agents protecting home buyers at this time? 

Listen Up, Home Buyers! The podcast offering advice and tips from true buyer agents. 

Host and Producer, Victoria Ray Henderson is the owner and broker of HomeBuyer Brokerage in the Washington D.C. area. Victoria is and a member of the National Association of Exclusive Buyer Agents. 

Host Victoria Ray Henderson is Vice President & Associate Broker with Buyer's Edge an exclusive buyer brokerage in the Washington DC area. Glenford Blanc is President & CEO of Pro-Spex a home and commercial inspection company serving the Greater Baltimore and Washington DC area. 

5:30 What is the difference between a code inspection and a home inspection? 

6:15 Home inspectors vs a code compliance inspection

6:30 Every three years, code changes

7:00 Modified or remodeled homes bring a house up to the code at the time of remodeling

8:00 Examples of up to code

9:00 Where you will find work reflecting updated code-bathrooms, kitchens 

9:15 Homes built in the 1950's did not have GFI's

9:30 What to look for in a remodeled home

10:15 How home owners can be taken advantage of by contractors citing code

11:45 What you should be asking your home inspector

12:55 Why inspection permits are important to look for

13:55 Check the electrical amperage to a house

14:50 What questions to ask your home inspector

15:40 Understanding the home inspection report

16:40 What happens during a home inspection?

Listen Up, Home Buyers! The podcast offering advice and tips from true buyer agents. 

Host and Producer, Victoria Ray Henderson is the owner and broker of HomeBuyer Brokerage in the Washington D.C. area. Victoria is and a member of the National Association of Exclusive Buyer Agents. 

Host Victoria Ray Henderson Vice President & Associate Broker with Buyer's Edge talks with exclusive buyer agent Dave Twombly with https://4buyersre.com/ about helping home buyers during the pandemic. 

2:00 What was it like to have a settlement at the beginning of the pandemic?

2:30 4 Buyers Real Estate LLC requires home buyers to have a home inspection.

2:45 The home inspection process during the pandemic

3:10 In Massachusetts, the fire department verifies smoke detectors in homes to be in working order and certified before the settlement.

3:45 In Massachusetts, smoke certification is needed to have a closing/settlement. Typically this is the responsibility of the seller/listing agent. 

4:30 During the pandemic, it is the responsibility of the home buyer to have their new home certified by the fire department within 90 days of when the stay at home order is lifted.

5:45 Areas served by 4 Buyers Real Estate LLC in Massachusetts

6:20 Areas served by Buyers Edge where Victoria Ray Henderson helps home buyers (DC, Northern Virginia and Maryland)

7:00 4 Buyers Real Estate LLC home buying process

7:30 The first conversation to have if you want to buy a home.

8:30 What home maintenance costs you should expect down the road

9:00 Boston is one of the most expensive real estate markets in the world

9:45 A pre-contract home inspection is a limited inspection and is done when a buyer wants to remove the home inspection contingency from the offer. 

10:00 Dave Twombly's story of a pre-contract home inspection and the buyers experience. 

13:00 In Massachusetts, the earnest money deposit's otherwise known as the EMD check is held by the listing brokerage

14:30 In the Greater Washington DC, Baltimore, Annapolis area the emd is not typically held by the listing brokerage

15:30 The advantage of having a higher priced emd check in a transaction

16:00 Are we moving toward a buyers market?

17:50 How will the Covid-19 coronavirus pandemic change the real estate market?

Listen Up, Home Buyers! The podcast offering advice and tips from true buyer agents. 

Host and Producer, Victoria Ray Henderson is the owner and broker of HomeBuyer Brokerage in the Washington D.C. area. Victoria is and a member of the National Association of Exclusive Buyer Agents. 

Rona Fischman is the Principal Broker with 4 Buyers Real Estate in Massachusetts. 

In this podcast  (2:15) Rona Fischman talks about why NAEBA was founded in the early 90's and Rona Fischman shares her personal story (2:30) and why she has an exclusive buyer brokerage and how this business model aligns with her philosophy.

(3:30) Rona Fischman was an active member of the Massachusetts Association of Buyer Agents and chose to open an  (4:35) exclusive buyer brokerage

(5:30) Rona Fischman says the exclusive buyer brokerage business model helps to stem the tide of property values going up. 

(6:50) Rona Fischman shares her business philosophy. Learn more about Rona's work as a teacher of bystander intervention and verbal self-defense.   

(8:00) At 4 Buyers Real Estate       

Rona discusses the strategy used by her exclusive buyer agents to evaluate neighborhoods, properties. Rona calls her EBA's house nerds meaning they examine a house like a puzzle and they figure out the trouble spots. 

(13:00) The difference between a damp basement and a wet basement and what home buyers need to know.  Since many of the homes were built around the turn of the last century, they have particular issues that buyers need to understand prior to buying. Rona talks about sump pumps with electrical back ups. 

(15:00) Rona tells the story of the incredible sinking house.

(18:00) River flooding is an issue in the area served by 4 Buyers Real Estate

(19:00) Rona talks about what motivated her to help create the National Association of Exclusive Buyer Agents. 

and how she enjoys working exclusively for home buyers. What is a generous way to help people find houses that will make them happy? 

(22:30) Rona asks, "Is this house worthy of you?" "What's it going to cost to make it worthy of you?"

(24:00) Rona Fischman talks about how to face a recession.

Rona Fischman's 4 Buyers Real Estate is on Facebook

Listen Up, Home Buyers! The podcast offering advice and tips from true buyer agents. 

Host and Producer, Victoria Ray Henderson is the owner and broker of HomeBuyer Brokerage in the Washington D.C. area. Victoria is and a member of the National Association of Exclusive Buyer Agents. 

Stephen Carpenter Israel is the Owner & President of Buyer's Edge an exclusive buyer brokerage in Bethesda Maryland. All the exclusive buyer agents with Buyer's Edge are licensed in Virginia, Maryland and Washington D.C. and only work with home buyers.

In this episode, Steve and host Victoria Ray Henderson talk about the National Association of Exclusive Buyer Agents naeba.org

What is a pocket listing? Are they legal? How do they impact home buyers & home sellers and what is the National Association of Realtors doing about pocket listings?

What every homebuyer needs to understand about buyer representation and more.

Learn more about Buyer's Edge on Facebook and Instagram and Yelp.

Listen Up, Home Buyers! The podcast offering advice and tips from true buyer agents. 

Host and Producer, Victoria Ray Henderson is the owner and broker of HomeBuyer Brokerage in the Washington D.C. area. Victoria is and a member of the National Association of Exclusive Buyer Agents. 

Ben Clark is a former president of the National Association of Exclusive Buyer Agents naeba.org

He is the owner of Home Buyer Representation Inc in Salt Lake City Utah and specializes in home buyer representation only. In this episode, Ben discusses :19 How to prepare when buying new construction or touring model homes

:23 What is procuring cause? How could it negatively impact a home buyer?

Also, what should a buyer expect to learn during a home inspection? Are there pests and animals unique to the Salt Lake area that home buyers need to be aware of before buying a home?

Ben Clark blogs on ActiveRain

FB Homebuyer Representation

Serving home buyers in the Salt Lake City Utah area. 

Listen Up, Home Buyers! The podcast offering advice and tips from true buyer agents. 

Host and Producer, Victoria Ray Henderson is the owner and broker of HomeBuyer Brokerage in the Washington D.C. area. Victoria is and a member of the National Association of Exclusive Buyer Agents. 

Gea Elika is the Principal Broker of Elika Real Estate in NYC with 20 years of real estate experience. As members of the National Association of Exclusive Buyer Agents (NAEBA) Gea and his agents offer unbiased assistance and strategic advice.

What is the average price of a home in NYC? What are the specific strategies for buyers to prepare for the home buying process in Manhattan, Brooklyn and the Bronx? How important is the buyers needs and wants list? Gea Elika covers these topics and more about how to buy a home in NYC. 

Listen Up, Home Buyers! The podcast offering advice and tips from true buyer agents. 

Host and Producer, Victoria Ray Henderson is the owner and broker of HomeBuyer Brokerage in the Washington D.C. area. Victoria is and a member of the National Association of Exclusive Buyer Agents.