The Buffalo Niagara region is not only a wonderful place to settle, but also is an affordable one. When comparing Buffalo to other cities in the United States of the same size, housing and standard of living are more reasonably priced than most. If you are moving into the area and have thought about the option of buying, you may be pleasantly surprised. Use our mortgage calculator to the right to see it for yourself!
Many people moving into the region want to get acclimated to the area before they choose a home. We can not only assist you in this process, but will handle all of the details for you. Many complexes offer wonderful amenities such as community centers, pools, fitness facilities and more. We also have agents who can assist you in the rental of a home if that suits your needs better.
As an organization, we put customer service as our first priority. No matter who you work with from our team, you can be assured that they will work diligently to help you in your real estate transaction. Each of the Robitaille licensed associates has something unique to offer.
Personable: I want someone that does not make the hair on the back of my neck stand up. Someone I can tolerate talking to or sitting across from on more than one occasion.
Licensed: I want my agent to be licensed and in good standing. i.e. no complaints. Google is your friend. Go to Google.com, Put there name in quotations [“”] and see what Google and other consumers have to say about them.
Tech Savvy: An agent that is savvy with technology is non negotiable. I want someone that has a strong website, that understands the Internet and search engines like Google, Yahoo and Bing. Remember, 98% of consumers start their home search online, my real estate agent better know how to get my home to stand out online where the eye balls are.
Knowledgeable: I want an agent that knows their way around the purchase contract and how to negotiate. Just because someone is licensed does not mean they understand either. I also want an agent that specializes in what I am buying or selling. A commercial agent for a commercial property, residential agent for a residential property, a short sale agent for a short sale property etc.
Familiar with the local market: I would want an agent that is familiar with my neighborhood, builder, and local market conditions.
Communicates well and often: The #1 complaint in the real estate industry is lack of communication. I want my real estate agent to communicate with me in the method that I prefer. [email, text, phone call, facebook, twitter, smoke signal, Morse code, etc] whatever that is. Keep me in the loop!
Truthful: Someone that is going to tell me the truth whether I want to hear it or not. “Yes, Mr Garner, that purple carpet is ugly and needs to go.”
Full Time: Real estate is not a part time job. My agent needs to be available when a potential buyer is. This is where an agent with a team can be beneficial as they can cover for each other so I can get the service I deserve.
Integrity: Integrity is one of those words that many people ‘say’ they have. If I’m buying with an agent and I’m interested in 4 bedroom, 2 bath homes, show them all to me, even the ones offering a reduced commission and the ones listed by an agent you don’t necessarily care for. Put my interests above your own. If my agent represents me, I want him/her to represent me.
Checking, savings, CD’s, money markets, etc. Name of bank, complete
address, amount on deposit, full account numbers and copy of current statement.
Copies of stock certificates, bonds, and current statement showing value if this interest income is to be used.
Name of creditor, full account number, and amount of current balance, complete street address if creditor is not local.
Auto, education, home improvement, personal loan, mortgage, etc. Complete address of creditor, full account number, current balance, amount of monthly payment, number of payments remaining. Copies of promissory notes or recent statement of coupon if creditor is not local. The above information is needed is you are a co-signer on any loan or if you have had any
mortgages or home improvement loans in the past two years that have been discharged.
Social Security numbers, birth dates, green card for resident aliens, FHA applicants also need Social Security card and picture ID (driver’s license).
Current pay stub. Overtime, bonuses, commissions two years 1040’s and W2’s. Alimony and/or child support one year of canceled checks. Permanent disability or Social Security income award letters and copies of current check. Rental income complete, signed income and expense statement leases for all units.
Last two years of 1040’s, with all schedules, plus a year-to-date Profit and Loss statement.
Any applicant who has been separated and/or divorced, regardless of whether maintenance is paid or received must supply full documents.
Letter on company letterhead stating what and how much of the closing costs company will pay. Relocation agreement needed if company is purchasing present home.
Please bring to application cash or check sufficient to cover credit report and appraisal. In addition, 1 point (1% of loan amount) may be due at application.
Please bring name and address of your attorney to the application. Your attorney should be notified immediately of the sale and mortgage application. The legal work should be started now, not at commitment. Failure to do so may jeopardize a timely closing of your loan.
All lending institutes require an original contract of sale (original signatures). Copies are not acceptable.
Your property is your product. If your property shows poorly or has major defects, which cannot be, or are not corrected, a sale may not take place. These defects should be corrected or the price of your home should be adjusted to compensate for them.
Our agents are skilled in the appraisal and assessment of market value. We take very seriously the need to price your home at a value that realizes you the most on your investment, without pricing beyond what the market will bear. Price should be established keeping in mind what other comparable properties have sold for. Utilize the experience of our agents so that price will not prevent or delay the sale of your home.
Financing has great influence in promoting people to purchase homes, especially during periods of very low rates. Similarly, if you require too much as a down payment on your home, it may slow the sale of your home.
Timing on the real estate market is the condition of the market at the time of your home’s sale. It may be a seller’s or buyer’s market, but that is based on external factors. We can help you, however, in positioning your home to your best advantage for either scenario.
Every buyer makes their decision about which home to buy and how much it is worth based on other choices in the market at the time of purchase. The supply of homes your buyer will compare yours to will change weekly. We regularly review the status of the market from a general perspective and also the market as it relates directly to your property. You can expect us to communicate this information to your regularly. We want to keep you informed.
We pride ourselves on our unique and tailored approach to marketing your home. Our agents take each home and market it for its unique characteristics and strongest selling points. We do more than just list your home, we develop a client base to target market it to. We encourage you as the home owner to give us your input and become involved in this process.
Closing on the sale of your property takes as much time and preparation as marketing it.? Use our years of experience and the information we have prepared for you below to make the closing process smooth and successful.
A lawyer will be able to arrange documentation that will result in the conveyance of proper title and satisfaction of the new lender’s requirements. It is generally useful to retain a lawyer that specializes in real estate practice at the beginning of the transaction process.
Your lawyer will either set a flat fee or hourly rate based on his/her evaluation of the complexity of your transaction. You are also responsible for any disbursements (expenditures) that your lawyer may incur in the process. Make sure you understand what services you will receive from your lawyer and discuss them before you begin the process.
In Western New York, the standard real estate contract dictates that the seller is responsible for those costs included in conveying proper title to the property (i.e. search, survey and state transfer tax). The purchaser is usually responsible for those items specific to the purchaser’s lending institution and most recording fees.
The standard form contract generally used in Western New York states that the Purchaser has satisfied himself/herself that the condition of the property and its contents are acceptable. It is therefore important that a purchaser be knowledgeable about the condition of the property being purchased. As a purchaser, you may find it worthwhile to obtain an inspection by an expert. As a seller, you can rely on your purchaser’s familiarity with the condition of your home to help prevent claims of hidden defects after closing.
The abstract of title or ‘search’ is a list of every document recorded in the county clerk’s office affecting the land on which your house is built. The ‘survey’ maps out your house and any improvements that have been made. Your lawyer will review these documents to determine what is required to convey proper title from seller to purchaser. In most cases, existing title documents just need to be updated.
The closing date specified on your contract is ordinarily a target date and may not, therefore, be binding on either of the parties. However, if your individual circumstances revolve around a particular date, your lawyer will try to coordinate your closing date with your special needs in mind.
The standard contract dictates that the seller must give the purchaser possession at closing. If addressed in advance, it may be possible to negotiate your contract to include early or post-closing occupancy. You may also find it more convenient to have your belongings delivered on the day following your close date.
Generally, your lawyer will not know the exact amount until the day before closing.?? However, you can get a rough idea from the ‘Good Faith Estimate of Closing Costs’ that will be issued by your lender following your mortgage application. Your lawyer will also be able to discuss his or her fees and any additional disbursements. If you are moving in from out of the area, it is highly recommended that you open a checking account at a local bank in order for funds to be transferred from your previous location in a timely fashion.
All utilities of the house, which is to be purchased, must be in operation at the time of the lender’s appraisal and the purchaser’s pre-closing inspection. In many areas, both new and former owner must arrange to transfer the utilities. It is recommended that you find out the customer service department of the local utility company.
Sellers are not required to be present at the closing unless they wish to be. Purchasers who are financing their purchases with a mortgage must be present, unless they are permitted to give ‘power of attorney’ to another individual (depending on the requirements of their lender).
Many individuals and entities participate in the closing process.?? The speed of you transaction will depend on a variety of activities taking place simultaneously and will rely on the knowledge and skill of the professionals and the responsiveness of the parties involved.?? You can help by responding quickly to any requests for documents or information from your realtor, lender or attorney.
Cooperate with the new lender in providing information about yourself or your property. Be patient waiting for information on the closing date and the funds that you will require or receive. Arrange homeowner’s insurance if you are the purchaser. Assist your lawyer in locating your title documents of you are the seller.
Original Title Search/Abstract of Title of all the documents pertaining to your house, this may be the most important. The title search, also referred to as the abstract of title, is the document that shows the record owner of your premises from the first recorded deed in the early 1800’s to present date. The dimensions of the search are 8.5″ x 14″ and can be quite substantial depending on the previous transactions involving your lot. As you can imagine, the work involved in preparing a new title search can be quite costly, sometimes up to $900.00. The average cost of updating an existing search is about $300.00.
Survey – The survey is the map of your individual lot, which also shows a simple drawing of the dimensions of your house.
Deed – A copy of the deed is sufficient. You may want to keep the original as a souvenir of your home. This is perfectly acceptable because when closing takes place and the deed to the new owner is recorded, your existing deed becomes obsolete.
Tax receipts – Although easily obtained by your attorney from your local tax office, it helps to have these in hand to move the closing process along.
Mortgage statements – Have your current statements ready for any mortgages secured by your property. Both your primary mortgage and any home equity loans will have to be paid off at closing. It is helpful to provide your attorney with these statements in a timely manner to avoid any problems in obtaining final payoff statements at closing time.
Keys – Locate as many as you can find and label them accordingly. Don’t forget the spare key hidden outside the house. It is more convenient for you to allow your attorney to hand over at least one key to the new owner at closing.