Ready to Buy?
Buy With Portiera!
Buying a home is a big step and one of the largest investments you will make in your lifetime! Whether you’re buying your dream home, your first home, or adding to your existing investment property portfolio, a knowledgeable REALTOR® is a must. But is that the only accolade you should base your decision who to work with on, we think not. While our team believes in the principals, ethics, and professionalism a REALTOR® designation brings, we don’t stop there. Our team brings decades of experience in negotiating, networking, concierge, financial, and out-of-box thinking that is a must have for the new world of real estate.
Portiera, Italian for concierge, perfectly sums up our approach to buying real estate. From search to close our team of seasoned experts will be by your side ensuring the property you purchase was the best decision yet. Our vast service offerings are what make buying with our team a truly unique experience.
As a standard we offer the following services to you, should you make the choice to work with us. This list briefs our services, if you would like to learn more, scroll down the page to read the details for each service or better yet, give us a call:
- Complimentary moving truck
- Complimentary secured transitional storage
- Complimentary move in carpet cleaning
- Technology driven listing notifications
- Market driven reports
- Concierge viewing service
- Relocation packet and assistance
From wherever you are
Start Your Home Search
When buying a home, start by making a wish list and setting a budget. We have partnered with some of the areas best lenders to get you pre-approved for your loan, and then you’re ready to start house hunting. Our website has some of the industries best search tools available, and did we mention we are part of 3 area MLS boards that span over 20 Colorado counties, so finding your new home is easy.
Our website also provides you instant notifications when a property is listed on the MLS that match your desired criteria, helping you hedge the crowd searching for similar properties. Haven’t tried our search yet, CLICK HERE to start searching.
We’ll arrange to visit the homes you’ve selected, together and in-person, to determine the best fit for you. We also offer complimentary video walkthrough and 3-D photography if you would prefer to not see any specific or all homes on the list.
- Get an accurate idea of your price range, an estimate of your monthly payments and a pre-approval letter, so sellers will take you seriously when you make an offer.
- Work with your agent to hone your “wants” and “needs” list. Think about what’s most important to you: the location or the house itself.
- Preview homes either through your Pulse Account or with your agent to eliminate those you do not want to see in person.
- You and your agent can plan an itinerary that works with your schedule.
- You and your agent agent typically visit homes together, however we do offer complimentary video and 3-D photo tours should you not want to see any or all homes in person
- Homeowners usually are not home, so you’re free to spend as little or as much time as you want.
- Buyers often have a gut reaction to a home. First impressions count, but you can also consult your agent to learn more about home values and possibly to reevaluate your priorities in the context of what’s available in your price range.
- Sometimes buyers find their future home the first time out and others look at 30 homes before they see one that meets their “must-have” checklist. It’s a good idea to see at least a few alternatives so you have some points of comparison, but sometimes you just know a place is where you want to live. Our agents are happy to show you as many homes as it takes for you to find “the one”, so no worries!
- Look beyond the staging and decorative items to see the features and fixtures that convey with the house.
- Check the condition of the home.
- Keep track with photos and notes in your TPG “My Little Open House” Booklet
- Consider possible home improvements you might want to make so you can research costs later.
- Don’t forget to check out the outside of the property and the neighborhood. Your agent has access to neighborhood insights and data to help inform your decision.
- If the property is a condo or located in a homeowners association, find out the fees and rules to see if you can live with them, your agent can obtain this info for you.
Making an Offer
Once you’ve narrowed down your list and have a clear favorite, collaborate with us to make an offer on a home.
Your agent will have the most up to date buyer agreement and sales agreements that comply with state and local laws.
- The price
- Terms – such as a request for closing cost help or that the offer is subject to your obtaining financing and a home inspection
- Target date for closing
- Earnest money deposit, this will most likely be determined by the sellers
- Request for final walk-through to ensure this is the one
- Time limit for the offer, we recommend 24 hours
- Financing. Unless you’re paying cash, it’s typical to write your offer with a contingency clause that lets you off the hook if you can’t finalize your mortgage within a certain number of days, or if the mortgage terms are to your favor. Even though you have a pre-approval for a loan, it’s smart to protect yourself.
- Home inspection. Your offer can be made dependent on a satisfactory home inspection report within a certain number of days. This protects you if the inspection uncovers expensive necessary repairs.
- Home appraisal. Your offer can be made dependent on a satisfactory appraisal to ensure you are buying your property at a safe price.
- In a competitive housing market, you may find yourself competing against other buyers. In that case, your agent is your best ally in strategizing for your offer to be accepted. With access to real-time market data, your agent will know how to best position your offer. If there’s more than one offer, the sellers can:
- Accept the best offer
- Counter all the offers to get a better price and terms
- Counter one offer that’s close to what they want
- You and your agent can work together to find out what’s important to the sellers, such as a specific moving date, and to discuss possibly waiving contingencies, adjusting your price or writing a “love letter” about the house.
- Sellers can accept your offer as is or they can make a counteroffer with an adjustment to some or all of your terms. You can accept or reject the counteroffer and make your own counteroffer. The contract is final once you and the sellers have agreed to all the terms.
The crucial period between an offer and a final contract is an important time to stay in close contact with your agent so you’re equipped with all the information you need to make smart decisions.
Ask your agent to explain the key points in your multi-page contract, such as:
- Accuracy of information, including the correct spelling of your name and the property address
- The effective date of the contract – important because your contingencies have time limits.
- A list of contingencies, such as that the sale depends on financing, an appraisal, a satisfactory home inspection and perhaps the sale of your current home.
- Property disclosure information from the seller, depending on your state laws.
- A complete list of what conveys with the property
- A list of required inspections, such as a home inspection and a pest inspection
- Information about when you can move in.
- In some cases, such as if your offer is contingent on the sale of your home, the seller may add a “kick-out” clause, which means that the seller could accept another offer if one is made before your home is sold.
Your agent can guide you, but you also need to decide how much you want a particular property and what you’re willing to accept to get it. You may want to let go when:
- The appraised value of the home is below your offer
- A home inspection finds defects that would be expensive to repair
- The sellers are unwilling to make reasonable repairs
- You learn about homeowners association rules that won’t work for you
Your agent will help you watch out for:
- Unrealistic deadlines: you’ll need time to arrange a home inspection and receive the report, as well as arrange financing
- Missing deadlines means you lose your chance to end the contract and keep your deposit
- Items that don’t convey with the property: if you’re not sure, ask your agent to confirm
- Communications from your lender
According to the National Association of REALTORS®, the most common reasons for contracts to fail or to be delayed are home inspection problems, financing problems or an appraisal issue. Give us a call to help you navigate the complexities of a real estate contract.
Closing Day Has Come
While you may feel anxious before your closing, your agent and lender should have you fully prepared for the day. As the buyer, you choose the title company for your title search and the closing. Your agent and lender can recommend reliable title companies.
As your closing nears, you should:
- If you are utilizing
- Stay in close touch with your agent, lender and title company.
- Avoid lowering your credit score with a new credit application, new accounts or late payments.
- Confirm that your contract contingencies are resolved, including the home inspection, an appraisal and your financing.
- Finalize your homeowner’s insurance policy.
- Gather your down payment and closing cost funds in an accessible account.
- Review your Closing Settlement form, which you’ll receive a few days days before your settlement, and ask questions if you don’t understand something.
- Arrange a wire transfer or get a cashier’s check for the funds you need for the settlement.
- Schedule a walk-through of your new home within 24 hours before your closing to check its condition.
Paperwork, Paperwork, Paperwork! Allot a few hours for your closing. Bring to the closing:
- A government-issued photo ID
- Proof of homeowner’s insurance
- Your copy of the contract
- All paperwork associated with your loan and the home purchase
- Your cashier’s check or wire transfer confirmation
- Your checkbook for miscellaneous funds that weren’t included on your closing estimate
After your closing:
- Keep all your signed documents in a safe place.
- Avoid lowering your credit score with a new credit application or late payments.
- Change your address.
- Change the locks and security codes on your home
- Review your due dates and new budget.
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You’ve bought your new home, now it’s time to move in. One of the many benefits of buying or selling real estate with our team is our complimentary moving services. The Portiera Group owns our very own 24′ International Diesel moving truck, with hydraulic lift gate for easier moving of large items.
Our moving services include:
- Moving blankets
- Appliance dolly
- 4 type utility dolly
- Furniture dollies
- Moving straps
- Complimentary Fuel
- Complimentary 2 Day Rental
- Complimentary Delivery / Pickup
- Complimentary Moving Crew (Homes over 3,000 SQFT or $375,000)
Plus, our clients are free to use our moving truck anytime within 6 months of your closing for any other moving/delivery needs, complimentary!
We offer free transitional storage to our clients. This service is convenient when there is time between buying our selling your home where you have no place to store your belongings. Our team owns our own 40′ High Cube conex storage containers that are water & rodent sealed and located in our secured gated storage yard equipped with 24/7 motion activated security cameras and alarms. We also offer temporary storage of RV’s, trailers and other vehicles.