Thank You for considering me as your real estate professional. I am
eager and excited to sit down with you and discuss your buying goals. As
part of Keller Williams of Greater Lexington, SmartGuy Properties has a
dedicated support team who will serve all your buying needs. It is very
important that you as a buyer hire your own agent. When a buyer has
their own agent, they do NOT pay for the services provided, their agent
would then split the sales commission with the properties selling agent.
By having your own agent, you have an advocate skilled and knowledgeable
in real estate law that can negotiate on your behalf to get the best
deal on the property. The first step is for you to get pre-qualified
with any lending company. We will need a copy of the pre-qualification
letter prior to matching you with potential properties. This helps saves
us and you time by going in ahead of time knowing the amount you are
pre-qualified for to match properties that meet your needs. A
pre-approval letter does not GUARANTEE loan approval; however, it is a
certified letter from your lending agent that has taken your finances,
credit scores, and debt to income ratio into account to present to the
bank and it is the loan dollar value the bank would be willing to lend
you at that moment. Because of how fast things change in the credit
world you need to understand that it is not a guaranteed loan approval
and that you must still maintain monthly, on time, payments of all your
open accounts, continue to pay off open debt which a bank may require
you to pay additional debt off to close out the loan process, and that
you not open any new lines of credit or acquire anymore debt until after
the closing of your loan. Once you have a pre-approval from your lending
company please fill out the questions below and email us a copy of the
pre-approval to smartguyproperties@kw.com and we will contact you as
soon as possible to meet with you in person and sign all required
documents to start matching you up with properties. Also keep in mind
that by hiring us as your buyer agent, we will not only be matching you
with properties we are under contract to sell, but ALL properties
matching your budgeted amount in the areas you specify with the
amenities you desire, even if those properties are listed with different
real-estate agents.