WHO SHOULD I
WHO SHOULD I CHOOSE TO REPRESENT ME TO BUY A HOME?
IS ONE REALTOR DIFFERENT FROM ANOTHER?
WILL A TOP PRODUCING REALTOR MAKE A DIFFERENCE TO ME?
1. Who Do I Work With
2. What To Expect
3. Our Resume
4. The Team Concept
5. A Home Buying
6. Home Buying
7. Viewing Properties
8. How To Make An Offer
9. About Metro Brokers
10. Questions To Ask
11 - 12. Common Terms
13. Client Testimonials
And it could save you
thousands of dollars!
There are roughly 3,700 licensed real estate
agents in Colorado Springs. In 2016 alone there
were over 35,500 transaction sides - a Buyer
buying a home is one side, and a Seller selling a
PRETTY IMPRESSIVE STATISTICS!
According to the Pikes Peak Association of
Realtors (PPAR) in 2016: 1,409 Agents closed 3
deals or less in the full year cycle, 464 Agents
only closed 1 deal, and 399 did not close a home
at all. Top Notch Home Team averages 2 deals a
Our Agents have more experience in:
What To Expect From
This Home Buying Guide
Welcome to the Top Notch Home Team's comprehensive Home Buying Guide. Congratulations on
taking one of the first steps towards buying your new home. The home buying process is an exciting
journey that we look forward to helping you navigate.
Whether this is your very first home purchase, another investment, your retirement home, or a new
custom home build, our goal is to make the process as stress-free, enjoyable, and painless as
possible. Our experienced Agents are dedicated to helping you find your perfect home by leveraging
the full resources of the Team so that we can help you achieve all of your real estate goals.
The purchase of a home is typically the largest investment you'll ever make! Most people will buy a
home every six to eight years until they find their forever home, that's not too many homes in a
lifetime. Our Agents will arm you with all the knowledge that you will need throughout the many
stages of a real estate transaction. This guide will show you what to expect as well as giving you
some great tips to keep in mind as you go.
Did You Know?
As a Buyer's Agent our compensation comes from
the Seller side!
The Top Notch Home Team was built from the vision of a United States
Army veteran - Joel Nath. Joel saw the need for an all inclusive Real Estate
Team that was capable of handling every aspect of the purchase of a home,
and the sale of a house - from this guide all the way to the closing table.
Through Joel's military experience, the systems in place, and the tools that
the Team has available we have created the utmost client experience and
Your Local Experts
The Top Notch Home Team's Agents are market
experts across the entire Pikes Peak Region.
The Brokerage we work from - Metro Group Real
Estate - consistently closes deals in Colorado
Springs, Black Forest, Monument, Fountain,
Peyton, Falcon, and Pueblo. We are able to do
this because the whole Team works around the
clock to bring you exceptional service and
unsurpassed market knowledge.
The Team Concept
Why a Team?
The massive success of the Top Notch Home Team is a direct result of the
team concept. We believe that through the use of a dedicated staff, our
Realtors are fully capable of finding your perfect home regardless of your
Did you know?
Most of a real estate transaction centers around administrative details;
scheduling showings, arranging home inspections, coordinating with the title
company, and tracking the loan process.
While most Realtors spend a tremendous amount of time working through
the administrative side themselves, our Realtors are able to focus on finding
your perfect home while our staff takes care of the rest.
Meet the Team
Multiple Full Time Realtors
A Marketing Specialist
A Certified Home Stager
A Team Assistant
A Transaction Coordinator
Variables to Consider and the Mortgage Process
There are many variables to consider
when you're finding your new home.
Deciding what elements are "must
haves" and what elements are "wants" is
Getting a mortgage may seem
overwhelming at first, but don't worry,
Top Notch Home Team works with the
best loan officers in town. We would be
happy to help guide you to the best
starting point in the mortgage process.
Some Common Home Variables
Where do you want to live?
What monthly payment works for you?
How big a home do you really need?
How many beds and baths must you have?
What size lot do you want?
How many garage spaces do you need?
Some Common Neighborhood
Is there a Home Owners Association?
What school district is it in?
What does re-sale value look like?
Is there any crime there?
What are the local parks like?
Did You know?
In Colorado almost every Seller will require
to see a pre-qualification letter before
accepting an offer!
Before looking at homes obtaining a prequalification,
or pre-approval letter is essential.
Not only will Seller's take your offer more
seriously, but you'll save time by not looking at
homes that are out of your budget.
Factors to Consider for a Loan
If you qualify for VA, FHA or a Conventional
How much you want to spend
If you need down payment assistance
Loan closing costs
A 30 Year or 15 Year loan
What special programs you qualify for
Things to Not Do Once Qualified
Change or quit your job.
Buy a new car, truck, or motorbike.
Co-sign on a loan.
Spend money set aside for closing.
Originate any new credit checks.
the Search for
What You Should Expect In This Home Buying Process
Ask any questions.
Meet the Team
Establish Wants Vs.
Find your home using our
IDX integrated website.
Coordinate with us to
view the homes.
View 4 - 6 homes a day.
Discuss the offer terms
with your Agent.
Write and send offer
through CTMe Contracts.
Seller has the right to
accept, counter, or reject.
Go Under Contract
Inspection and Earnest
Money timelines begin.
starts processing the
Contract sent to Title and
Title requests necessary
Lender requests any
Schedule an Inspector,
and attend the inspection.
Objection with your
Negotiate all repair items.
Review appraisal results.
Negotiate any appraisal
Provide lender and Title
any further documents.
Loan gets Clear to Close.
Closing scheduled by all
provided with all funds
due at closing.
Schedule final walk
through of your new
Schedule utility turn on.
Close the deal.
A Typical Day
Experience tells us that viewing any more than 6
homes in a day is counter productive. We are
happy to show homes Monday through Sunday.
The Home Search
The Top Notch Home Team has developed its own
home search website:
As we go through each home, we will discuss
what you like, what you don't like, and if you'd
like to look further into making an offer.
Most Buyers know when they find their perfect
home. It's a great feeling for everyone and we
can't wait to experience it with you
From there you can customize your own search,
look at projected mortgage costs, save homes, view
neighborhood statistics, and request a showing.
Not all homes for sale are vacant and often require
notice to show them. We will make sure we get you
in the door as soon as possible.
How To Make An Offer
It is a common misconception that to make an offer on a home Realtors just
call the Seller and tell them how much the Buyer would pay for the house. In
Colorado the Contract To Buy And Sell Real Estate is used to formally submit
an offer on a home. This contract defines dates, deadlines, offer price, taxes,
concessions, closing fees and many more items. Your Agent will be able to
discuss this contract with you in depth and help you with questions that you
may have. Our Realtors negotiate deals every day.
Things to Think About When
Deciding on What to Offer
How long has it been on the
What is the Seller's true motivation?
When do you want to close the
Do you need Seller concessions?
How much would you offer in a
multiple offer situation?
How much will closing costs be?
Questions For Your Agent
When Should I expect a response?
Is an escalation clause necessary?
Where will I need to deposit the
What are the average days on
market in this neighborhood?
Are there competing offers on the
Is the home priced correctly?
What happens next?
About Metro Brokers
Who are we?
Since 1976, Metro Brokers, Inc. has been assisting Coloradans with their
Real Estate needs. In every transaction a Metro Brokers REALTOR® makes
sure that their clients’ interests are best served and maintained with the
highest level of professionalism. At Metro Brokers, we make it simple for
Coloradans to know that our members go the extra step to display and
maintain their REALTOR® designation. Metro Brokers, Inc. is proud that
100% of our members are REALTORS®.
Why a Metro Brokers REALTOR®
The term REALTOR® is a registered collective membership mark that
identifies a real estate professional who is a member of the NATIONAL
ASSOCIATION OF REALTORS® and subscribes to its strict Code of Ethics.
REALTORS® are pledged to a strict Code of Ethics and Standards of
Practice. Working for America’s property owners, the National Association
provides a facility for professional development, research and exchange of
information among its members and to the public and government for the
purpose of preserving the free enterprise system and the right to own real
To Ask Your Agent
Are you a full-time or part-time Realtor?
What is your availability to show me homes?
Are you a single agent or do you work with a team?
Do you typically work in my price range?
Do you specialize in working with Buyers or Sellers?
Do you have a list of vendors who can help me?
Do you have your own website to help me find my next home?
Can you recommend someone to help with the mortgage process?
How do you look for possible Sellers in the area I want move to?
How many homes have you sold this year?
What haven't I asked you that I need to know?
When a Seller and a Buyer come to agreement on all terms of
an offer on a home. The contract must be signed by all parties.
Money that the Buyer provides to a third party after going under
contract to act as good faith money. Typically it's 1% of the
The event when a certified inspector will comb over the entire
property to find any defects so that we can negotiate repairs.
Most inspections will cost $275 upwards.
The estimated value of a home, as determined by a licensed
A Comparative Market Analysis offered as an opinion of value
by an Agent. CMA's use recent comparable home sales to give
the opinion of value.
The Multiple Listing Service is a large database used by real
estate agents with access to detailed information on property for
sale (and sold) in your area.
Don’t make the mistake of thinking a Realtor is the same thing
as a real estate agent. Not all real estate agents are Realtors;
only those that are members of the National Association of
Realtors (NAR) can call themselves Realtors.
Buyers need to be pre-approved for a home loan before
submitting an offer. A pre-approval lets you know how much a
bank will lend you, and lets the Seller know that you can afford
the amount you are offering.
The legal term that identifies a piece of property that the owner
is in lawful possession of that property. The title insurance
protects real estate owners and lenders against any property
loss or damage they might experience due to liens,
encumbrances, or defects.
Home Warranty Buyers can pay a fee to protect the home against future issues
depending on how much their package covers, like plumbing,
heating, or appliances.
Lien A legal claim put on a property in order to receive payment for
debt. The holder of the lien can sell the property to recover the
money owed after the NED is filed.
A legal process where the owner has not kept up with their
mortgage payments and subsequently has to give up their rights
to the property or sell it.
A Certificate or Eligibility issued by the Veterans Administration
that certifies a veteran's eligibility for a VA loan.
The final time where all documents are signed and ownership is
Past Client Testimonials
Joel was AMAZING at selling my house. I had already moved out of state and Joel
took care of the whole process. Not only did he sell it one day after listing, he was
able to help us close a week before scheduled! He really made the process
effortless on my part and answered any/all of my questions. Anyone looking to sell
or buy a home, I definitely recommend contacting Joel! I cannot say enough good
things about him. He goes above and beyond anyone to make sure his clients are
happy. Thank you Joel!!!
I just wanted to say that Joel did an awesome job at selling our house. He is very
polite and easy to work with and handled working with some difficult people in a
very professional manner, I would recommend him to anyone that is wanting to
Joel was honest, professional, and did a great job helping us sell our home. He
was informative and made the process as painless as possible. I highly
For more testimonials please visit
Metro Real Estate Group
Top Notch Home Team