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Buyer FAQs

FREQUENTLY ASKED QUESTIONS FROM BUYERS

Joe Wiessner Realty is committed to providing the best online experience for all our customers. Please review our Frequently Asked Questions From Buyers and see if the links below are helpful. If its not a match, please contact us. Fill out the form below with your question, we’ll get the answer for you — FAST!

Q.  I’m ready to buy, what’s the first step?

  • Answer: The first step in buying a home is arranging to pay for it. For those that are financing their new home, this is a critical step and should be addressed before you start looking.

Q. What do I need to take with me when I apply for a mortgage?

  • Answer: Good question! If you have everything with you when you visit your lender, you’ll save a good deal of time. You should have: 1) social security numbers for both your and your spouse, if both of you are applying for the loan; 2) copies of your checking and savings account statements for the past 6 months; 3) evidence of any other assets like bonds or stocks; 4) a recent paycheck stub detailing your earnings; 5) a list of all credit card accounts and the approximate monthly amounts owed on each; 6) a list of account numbers and balances due on outstanding loans, such as car loans; 7) copies of your last 2 years’ income tax statements; and 8) the name and address of someone who can verify your employment. Depending on your lender, you may be asked for other information.

Q.   What is a buyer’s representative?

  • Answer: Defined most simply, a buyer’s representative (also buyer’s rep, or buyer’s agent) is an advocate for the buyer—not the seller—in a real estate transaction. Real estate laws and regulations vary from state to state, but buyer’s representatives usually owe full fiduciary (legal) duties, including loyalty and confidentiality, to their buyer-clients and work in their clients’ best interests throughout the entire transaction.

Q.  Will I pay more to be represented as a buyer?

  • Answer: In the vast majority of cases, the answer is no. When a house is listed for sale, the seller’s contract spells out the commission rate that will be awarded to a buyer’s representative. This is known up front and typically covers all, or at least most, of your representative’s compensation.If it doesn’t, the choice is yours. You can scratch this house off your list, or decide to view it, knowing that any remaining compensation will need to be addressed. But even if the seller’s listing contract doesn’t entirely cover your buyer’s representative’s compensation, and you must pay the difference, it’s quite possible that these relatively small differences will be more than offset by other purchasing terms negotiated with the seller.

Q.  What are the advantages of being pre-approved?

  • Answer: The advantages of being pre-approved for a loan as early as possible in your home-buying process are Sellers will find any offer you make more attractive if you are pre-approved for a mortgage. The length of time before closing can be shorter if you’ve completed the steps to securing mortgage approval prior to signing a contract on a property.

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About Us

About Us

THINK DIFFERENT What if? What if there was a real estate company that greeted you with the warmth of an old friend? What if they were prepared and not pushy? How about your time?... Respecting it! What if that company actually returned your phone call? You see its the little things... the details that matter … read more about JOE WIESSNER REALTY

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Contact Joe

Joe Wiessner Broker and Founder
Joe Wiessner (Broker/Owner)

Broker of Record

South Jersey's Real Estate Broker

Office: 609-561-1010

Fax: 609-561-0050

joe@joewiessner.com

thinkw.com

527 12th Street
Hammonton, NJ 08037

Find Out How Much Your Home Is Worth!

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About Joe Wiessner Realty

When Joe started Joe Wiessner Realty, his goal was not to be the biggest real estate company, but the best - one client at a time. As one of South Jersey's premier real estate brokers, Joe has the knowledge, insight, and experience to make your next move a complete success.

Quite simply, when you work with Joe you're in the capable hands of a professional who will not rest until he has helped you reach your goals. When you are ready to buy or sell your next home, Think Different and give Joe a call.

(609) 561-1010

527 12th Street
Hammonton, NJ 08037

45 N. Route 73
Winslow Township, NJ 08009

joe@joewiessner.com

Client Reviews

We liked Joe so much that after he sold our house, in 2 months, we contracted him to help us buy a new home. Nothing but praise for Joe and his team.

cornofking

My home selling experience with Joe Wiessner was an excellent one. He's not only a very good realtor but very down to earth and personable.

Deborah Thornton

Joe is very professional and friendly. Helped us find and buy our house.

jntespos

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