Buyer Agency Agreements

[photopress:dog.jpg,full,alignright] Is there a difference between dogs and cats? When you take out a leash, a dog usually gets all happy because he knows he is going to go outside. When a cat sees a leash he usually has the opposite reaction (some exceptions, of course) and says, no way I am going to be LED anywhere!

So what do dogs and cats and leashes have to do with consumers signing contracts?

For many years, agents have insisted that the seller sign a contract for their services, and by and large sellers have been happy to do so. I have never had a seller say, “Can’t you just do what you do, without my needing to sign a contract?”.

A seller is more like a dog than a cat, and a contract is somewhat like a leash. Most dogs are more than happy to be on a leash, as long as the guy at the other end of the leash, keeps pace with WHAT THE DOG wants to do.

The reason it is not possible to represent a seller client without a contract, is because of the “3rd party” promise to pay. The seller via that contract and the seller’s broker, agree to pay the agents who show the property. Say I list a house at $500,000 and the “seller” offers 3% “in the mls” to the Buyer’s Agent. That’s $15,000. While it may appear on the outside that the seller is offering that money to the Buyer Agent in the MLS, he isn’t. The buyer agent is an unknown person and the buyer is an unknown person, at the time the property is entered into the mls. The seller is not putting anything in the mls, the seller’s agent is putting it in the mls and promising to pay the buyer’s agent. The agent would actually have to cough up that $15,000 from his own personal funds, if he didn’t have a contract signed by the seller at the time he put the “offering” in the mls. That’s a little too much to ask of anyone on a handshake, so a contract is required from the seller.

Back to sellers are dogs and buyers are cats. The seller has a known address to the “product”/the house. It is easy to get a list of “services and metres” specific to that house. Does it need some staging? Is it photo ready? Can we get 15 photos quickly after it is staged and edit and upload them…on and on. Specific defined things after viewing the product/house, based on that house’s strengths and weakneses. Pretty simple stuff to calculate from day one, for the most part.

Buyers on the other hand are cats. They do not know “the address” of the property at the outset. They sometimes do not know for certain whether they will be buying a brand new townhome (not as much work for the agent) or a single family home built in 1910 (lots more work for the agent). They sometimes don’t know if they are going to buy in Renton or in Juanita or in Greenwood. Sometimes they need to see some property before making some of these decisions.

So a buyer needs to roam freely a bit, without a leash, more like a cat, to gather the information needed to come to an informed decision regarding type of property, general location of property and ballpark price of property. A buyer may need to see property with an agent in Renton, a different agent in Juanita and a third agent in Greenwood, before having enough information to hire the right agent for their needs. Anyone who has been in this business for awhile, knows that they are sometimes a stepping stone, in a buyer’s journey to an informed choice.

The absolute worst thing that can happen in this country, IMNSHO, is for buyers to be required to sign a contract, just to SEE a house. First of all it is demeaning, and lacks the respect and understanding of the industry, and its differences. It’s trying to put a leash on a cat, and pretending the cat is a dog.

Live from Virtual Earth! Any questions?

I’m going to have lunch w/ member(s) of the Microsoft Virtual Earth team tomorrow. They just released a new version of their mapping control & local search service this week (highlights include more Birdseye images, polygon support, and MapCruncher layers). Since Dustin’s recent conversation w/ Yahoo went over well, I figured I’d extend the same courtesy and see if my fellow bloggers had any interesting questions they wanted to ask.

FYI – Due to NDA’s, I suspect they’ll be unable to answer the really interesting questions. However, don’t let that stop you from asking the question or giving a product suggestion. Since I’m talking to the program manager and/or software engineers that blog, I suspect they’ll appreciate the feedback, even if they can’t be completely forthcoming in their responses.

PS – Is anybody else waiting for them to combine the Vexel technology they recently accquired, Photosynth, Flight Simulator X, w/ Birds Eye images and give Google Earth a battle worthy of a level in Halo 3? Should be a ton of fun watching Master Chief battle the Covenant armies of Mt. View during the next year.

Top Down – Bottom Up

I was helping an agent with a listing that hasn’t sold yet, and one of the simple, yet dramatically effective things I did was rearrange the blind openings. This is particularly important for view property and any property where cars or the street show when you raise the blinds from the bottom up.

If you see two sets of strings, one on the right and one on the left, this usually means they are “Top Down-Bottom Up” blinds. This type of window treatment allows you to cover the low portion of cars going by, but let in light and sky and sometimes tree tops from the top view.

They are great for view property if the windows are low and tall, because they allow you to enjoy the view from the inside without the neighbors seeing you in your boxers 🙂

Moving Forward…

I’ve been a little busy lately, so I haven’t had a lot of time to give an update on some of my favorite conversations around the web… Nonetheless, I’m back for an abrivated version (i.e. only 9 articles instead of the usual 10)…

Beau turned me on to a great article by Jay regarding the 30-year trend for Mortgage Rates… Interesting stuff. Also, don’t miss Jay’s tribute to Harry Ramos

I just got an email from someone at Windermere letting me know about Windermere’s new (beta) mapping platform… This is an update to the beta mapping platform they released a little over a year ago and I think they’ve made some great improvements… Here are some features I like: (1) Simple map-based search, (2) intuitive zoom feature, (3) Simple pop-up interface, (4) the filter tool is relatively straightforward, (5) viewing the details doesn’t require a page reload, (6) same with viewing the “list of homes”, (7) saving, emailing and/or contacting an agent can all be done without leaving the map view (8) simple city, state, zip box allows for easy navigation to distant locations… The only complaint I have is that the design doesn’t feel polished, but considering it is a beta and the technology works well, the design is minor…

Steve Weise also let me know about his map-based appraisal tool he recently released and asked me to solicit feedback from the RCG community… His interface is too GIS-specific for my tastes, but maybe other’s will find it interesting and/or useful.

Clever, but probably too simplistic, Rob let me know about his collection of quotes that compare the great depression to today’s housing market. Any way you look at it, he provides a good read…

Greg picked up the new Move commercials on YouTube… The latest fun news around Move is that my favorite commercial (Search) got picked up by AdForum and is currently displayed on their front page!

I really like how Zachary picked up the ball and started posting videos of his properties… They are not high art, but I think they are darn useful, especially for someone selling land in such a beautiful area!

Sometimes being a great agent means divulging the good with the bad… Osman tells us how people can and do loose money in real estate

I hate homework too!!!

The NYTimes real estate blog is officially dead. (although it is everywhere now, I first saw it on Luxury Sarasota Living). I can’t say I’m particularly sad, because the main editor seemed to have such a thing against real estate agents that his blogging on the subject just wasn’t very interesting… (Marlow also noticed this tendency of Damon).

No Bubbles Bursting – It was only August

[photopress:august.jpg,full,alignright]I can’t give an official report with stats until September’s sales are closed, but based on my experience out there in the trenches…It was only August! aka “The Dog days of Summer”

Even the Open House I held on Sunday was sold to a fella who walked in and said, “I was looking before, but I took August off!” August has long been known as “Agent Takes Vacation Month”. At one point in August, 4 of the 5 things I was trying to put together had the other agent “leaving for vacation tomorrow”, “calling you from Canada”, “calling all weekend from some road trip”, and other such voice messages. “Leaving for vacation tomorrow” did come together and closed by month end 🙂

This last week, begininning Tuesday after the holiday, has been gangbusters with some very surprising bidding wars going on. Of course the ink isn’t dry on that one, but it’s a great story when it’s over. Some record high prices.

So NO BUBBLES BURSTING. It was only August…again, here in the Seattle area.

A Two Week Moratorium for Redfin Critics

[photopress:wedding_1.png,full,alignright] You are cordially invited to a two week Moratorium on “Sticking it to the Man”. I know Greg and others have been having a lot of fun poking at Redfin, but I would like to announce that Glenn Kelman of Redfin is getting married this weekend.

Glenn and I discussed not discussing anything we discussed at our little tete-a-tete. But I would be remiss if I did not publicly congratulate him on his upcoming nuptials. Let’s give him the gift of being able to focus on his Once in a Lifetime Event, by applying the old adage, “If you don’t have something NICE to say, don’t say anything at all”.

I remember the first time I heard about Redfin. I was at a listing appointment and a young couple thinking about selling their condo in Issaquah said, “Did you see this really cool site?” They pulled up Redfin on their computer and showed me how they could “fly around” looking at property. They LOVED it. You can hardly run into a buyer, especially younger ones, here in the Seattle area who have not heard about Redfin. That is a fabulous accomplishment and it is time to give credit where credit is due.

So if you have something really NICE to say about Redfin, say it here! If you don’t have something nice to say, then let’s keep it zipped for a couple of weeks, and cut the guy some slack, so he can enjoy his pre and post wedding time.

Congratulations Glenn!

Beginning the Home Buying Process – Part 1

[photopress:matt.jpg,thumb,alignright]My friend “Matt” is a first time buyer beginning his home search/buying process. That is not his picture, or his real name, of course. By giving him anonimity, I can take him through the steps here on RCG, so that others can follow along with us. Think of it like a board game. The “Matt” game. This will be a series that will run up until “Matt” closes escrow, and possibly beyond into his first month or two as a homeowner, and the surprises that may come up after he moves in.

Given a “blog” is a web log, it seems appropriate for a real estate blog to offer a log of real people in the home buying process. So lets log and blog the adventures of “Matt” and his home buying process. I’d love for someone to turn it into a board game at the same time. We can give it to potential homebuyers. Maybe Galen or Robbie. It could be like the game of “Life” and people who are thinking about buying a home, can buy the game and “play” before stepping out into unknown territory.

START: “I’m thinking to buy a home this fall. Likely an (x area) townhome just outside the (x) growth zone. Any advice on what I should be reading/doing to get up to speed for home-hunting?”

Now I am going to make this as transparent as I possibly can, without giving away the identity of “Matt” or the location of the home search, for obvious reasons.

STEP 1: The first step is the most extensive one, as it combines many factors. Home Price, which is determined by monthly payment affordability, cash needed to close, and commission to be paid to the Buyer’s Agent. This is all one big first step, as the Commission Negotiation affects the “cash to close” issue. So let’s do that first.

The target purchase price, as already pre-conceived by the word “townhome”, and specified area in the email, is $295,000 to $495,000. For the purpose of this Step, let’s assume that “Matt” has in mind to purchase something for around $375,000, that he is thinking his monthly payment is going to be about $2,200 and that he has saved $20,000 toward the home purchase. This may or may not be the case, but let’s start with that assumption for now.

The ball is in my court. Since I know that “Matt” works in the Technology Industry, and I believe he is a first time buyer, I have already picked up the phone and called Jennifer Chi at First Tech Credit Union. The number one issue is, do they still have that fabulous first time buyer program that I have not used for awhile, and if so, what is the current interest rate, downpayment requirement, and cost for that program. I am waiting for a call back. Left a message. My expectation is that they require little or no money down, have total lender costs of about $600, and the rate is about 5.75 %. Let’s see how close I am, if in fact that program is even still available.

Some people think the first step is for the buyer to go to “the lender”, without consulting the agent. Not so. As the agent I first want to determine who might be the “best” lender for this particular client, as I have already done. Of course the client can do whatever they want over there on the side, and check out all kinds of lenders and loan programs. But that does not relieve me of the responsibility to seek out the best and special programs, especially when I am already aware of their existince, and the likelihood that he probably qualifies for it.

Next on my “To Do” list is to Negotiate the Commission. Since I already know “Matt”, I don’t have to stick him in my car and interview him to determine the fee. Based on a sale price of $375,000, I would not normally negotiate the fee up front, as in that price range, I need to reserve monies for repairs and other issues. But since we will likely be looking at newer townhomes and he gets that “special friend” treatment, let’s establish a flat fee of $6,000, which should give him an extra $5,250.00 to spend, and still leave me enough to fix a few things and get him a nice housewarming gift 🙂

This is an important first step because if any sellers are offering less than 3%, it becomes “Matt’s problem” and not mine. Everyone makes such a huge big deal about Negotiating Buyer Agent Fees. Look. It is that simple. Matt didn’t even have to put in his $.02. LOL. Of course Matt has other options, but that is my offer and he can take it or leave it or negotiate it back at me. We’ll see what he does.

That’s all we can do until we get that call back from First Tech Credit Union, as we cannot determine the price of property to look for, until we know the monthly payment he can afford, which we cannot know until we know the interest rate and cash requirements for that particular loan, which is the best, if they have it and he can qualify for it. More to come…

Should You Pay More For THIS House?

[photopress:polly.jpg,thumb,alignright]When determining how to structure an offer on a property, one of the key considerations is, “How scarce a commodity is this home?” How scarce it is to you, depends on the parameters you have set, and why you like this particular home, which varies from person to person.

If the property is unique because it has the largest lot in the area, then the seller is correct in putting a premium on this feature of the home. But, if why you are buying it is NOT because it has a large lot, then maybe you should not be the one to pay the “justifiable premium”. A justifiable premium for the seller, is not necessarily a justifiable premium for the buyer.

Often the seller will dramatically highlight their “premium” feature, such as a large lot, when they should not. I remember showing a home, with the owner in the home, and they kept raving about how huge their lot was. I could tell that the buyer had totally tuned out and had no interest in the property, but we couldn’t leave because the owner was going on and on about the size of the lot. When we got outside the buyer said, “Not me! I’m not spending my life maintaining the biggest lot in town!” I asked if he would have been worried about that just by viewing the property, without the seller’s influence. He said no, but now that I have this picture in my head of spending all of my weekends mowing the grass and maintaining the landscaping, AND paying MORE for the house for the “privelege” of it sucking up all of my free time, I just can’t see myself in that home. Otherwise, I may have bought it, but let’s just get out of here.

So the seller may indeed “deserve” more money for his house than anyone else in town, because he has the largest lot. But that does not mean that every buyer should offer that premium, in fact some will discount it, for the very reason the seller is raising the price. The buyer may deduct for the extra maintenance of the larger lot, while at the same time the seller is adding a premium for the extra land.

The photo above is in reference to “our Polly” who had the best question in the month of August. Before responding to a counter offer from the seller she asked, “What is the likelihood that you could find us a similar home within the next 60 days?” I was knocked out by this fabulous question! If only two of those have sold in the last year, then the liklihood is slim to none. If 40 of them have sold in the last six months, then you can play hardball with the seller. Excellent question to ask while in the middle of negotiations.

More Bed Hopping with the Competition

  1. Matt Goyer, of Urbnlivn fame, just accepted a position at Redfin. I wonder if he’ll keep up urbnlivn, or quit in favor of the Redfin blog like Rob. Just reading that article about Rob reminds me how much things have changed in the past six months…
  2. Anthony Allan put together a nice post on five steps to Realtor nirvana.
  3. Tim shows the Seattle Bubble is more popular than Rain City Guide! And wants a front-page link from RCG in the same post! I like Merv’s approach to giving site stats better (i.e. keep me out of it!) 🙂
  4. Meanwhile, the classic over-achiever (who happens to be a damn good writer) follows Tim’s lead today and shows me up by taking my idea (list of 10) and doing it better
  5. Niki let me know about the massive updates that he just unrolled at HomeThinking. He’s got a pretty comprehensive database of sold listings and my understanding is that he is attempting to get people to review agents for as many transactions as possible. It might sound unintuitive for agents to support a site that allows users to comment on them, but Nike (and Mike of Altos Research) seem convinced. Niki also mentioned a bunch of interesting features including a GeoRSS feed of his data so that it can be syndicated far and wide.
  6. I also noticed that HomeThinking is syndicating Real Time Pricing Trends from Altos Research in selected markets. Here’s their chart for Seattle:
  7. Prices for SEATTLE

  8. Osman writes about an interesting “green” development in Aurora, CO that would “encompass nearly 3,000 housing units, 1.7 million SQFT of retail, and 2.8 million SQFT of office space” if fully built out!
  9. Remembering Katrina.
  10. Google now allows you to download and print out old books that they’ve scanned from some of the nations largest libraries. Very cool. Not only that, but they recently introduced a news archive search that has scanned 200 years worth of news. Wow!
  11. Not only is Noah is off enjoying a trip in Europe at this moment, but he should be officially mawwied by now. Congratulations!

Agents & Loan Officers to communicate regarding seller-paid closing costs

[photopress:Lynee_Signing_1.JPG,thumb,alignright]

(Editor’s note, Tim jumped the gun and posted this article by his wife, Lynlee, before I had a chance to set her up as an author. As soon as I have it set-up, I’ll give her the proper introduction.)

I’m writing this because of numerous problems I have encountered in regards to seller paid closing costs. It has been a trend for buyers to increase the purchase price in exchange for sellers paying buyers’ closing costs by the amount of the price increase. For example, we commonly have transactions where the buyer offers $10,000 more than the listing price and the seller will pay up to $10,000 of the buyer’s closing costs.The financing addendums used in our area specifically indicate that the seller credit may be applied only towards actual closing costs/pre-paids (interest,taxes, HO Dues, etc). The problems that we have encountered occur when the closing costs are less than the amount the seller agreed to contribute.For example, if the seller agreed to pay up to $10K, and the closing costs only come to $8K, then the buyer is looking to get the difference in some manner. Buyers get extremely upset at their agents when they have increased the purchase price by $10K and they are only receiving a credit of $8K. Again, the seller can only pay the actual closing costs.

Suggestions to avoid this problem and reduce obvious tension created by having escrow call the parties involved at the very last minute (which by the way, is usually the day or two before closing):

  • Have the buyer get a good faith estimate from their loan officer BEFORE determining what the seller credit should be.
  • Agents, MAKE CERTAIN that the loan officer knows the amount of the seller credit. If the seller credit will exceed the closing costs, have the difference applied towards a loan discount fee to buy down the interest rate. THIS SHOULD BE DONE WELL IN ADVANCE OF CLOSING DOCS SENT TO ESCROW. (I know many escrow folks may thank us for saying this) 🙂
  • The difference CANNOT be used to reduce the purchase price. This would require the loan to go through underwriting again.
  • Agents need to understand the ramifications of increasing the sales price and having the seller pay for buyer closing costs that may not meet the intent of the parties.

When this problem occurs the common knee-jerk response by the agents to escrow is “why didn’t I hear about this sooner.” Escrow’s response is typically, “we agree.” 🙂

It is always better to “anticipate” problems that can occur and work through issues including being receptive to suggestions by your loan officers and other real estate professionals rather than being “reactionary” when one is in a pickle that is entirely avoidable.

Note: This is general in context and is written primarily for Washington State