Debbie Mack/Buyers Agent/Relocation Specialist

Congratulations!  You have decided to purchase a home, or are thinking about buying one.  You'll be joining the ranks of hundreds of families who realize that home ownership offers a number of benefits including building equity, saving for the future, and creating an environment for your family.  When you own your own home, your hard-earned dollars contribute to your mortgage. The equity you earn is yours.  Over time, your home will increase in value.

In the following reports, you'll find the information you need to make a wise buying decision.  We'll take you through the planning process step-by-step , to help you determine which home is right for you.  You'll find a host of informative articles on mortgages, viewing homes, the offer, closing details and moving.

Please contact me if you have any questions about buying a home in Plainfield or elsewhere in Illinois.

Debbie Mack, Broker
Coldwell Banker The Real Estate Group
Mack & Wyse Team

Can't I just use the listing agent as my agent?
Traditionally, buyers would stop at a house for sale and be shown the property by the agent
showing the house. The problem with this method is that the agent showing the house is
usually the listing agent, who represents the seller. Be careful about what you say to a
listing agent. A listing agent's role is to find a buyer and to get as high a price and as
possible for the seller. He or she is required to inform the seller of any facts that may
influence the seller's decision about whether or not to accept an offer. For example, if you
mention to the listing agent the amount of the loan you are qualified for, the agent may
pass that information on to the seller. Always keep in mind that you want the lowest price
and the best terms. If an agent is not directly working for you, they could very well be
working against you.

What should I look for in a buyer's agent?
It's important that you choose an experienced agent who has extensive knowledge of the
homes, neighborhoods, builders and legal requirements in your area. Your agent should
be active in finding you potential homes, keep you informed throughout the entire process,
negotiate aggressively on your behalf, and answer all of your questions with speed and
competence. First, find an agent who represents you and not the seller. This is very
important during the negotiation process. If you are working with a buyer's agent, he or she
is required not to tell the seller of your top choice. In addition, he or she is also focused on
getting you the lowest asking price. Also, when you use a buyer's agent, you will see more
properties. Not only are buyer's agents able to search the Multiple Listing Service, they can
also actively search for homes that are listed as FSBO (for sale by owner), or homes that
sellers are thinking about listing.


Why do you need a Buyers Agent?

Why do I need a buyer's agent?

A buyer's agent is your insurance for getting the best price and terms possible on your new
home. A buyer's agent uses an  extensive network of resources to find homes that suit your
needs, and negotiates with the seller's agent on your behalf. Your buyer's agent will also
assist you by providing information about area schools and neighborhoods, pointing out
features and drawbacks of each home, researching zoning requirements and providing
market data on what other homes have sold for in your area, and can even help you find
the best financing sources for your mortgage. Once you've chosen a home, your buyer's
agent can help you through the closing process, answering all your questions and
representing your interest throughout the process.