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Cape May Homes and Real Estate

Becky Chamberlain Long & Foster Real Estate

Buyer’s Information

Home Buying Information

A buyer’s agent WORKS ONLY FOR THE BUYER. A buyer’s agent has fiduciary duties to the buyer, which include reasonable care, undivided loyalty, confidentiality and full disclosure. However, in dealing with sellers, a buyer’s agent must act honestly. In dealing with both parties, a buyer’s agent may not make any misrepresentations on matters material to the transaction, such as the buyer’s financial ability to pay, and must disclose defects of a material nature affecting the physical condition of the property which a reasonable inspection by the licensee would disclose.

The Home Finding Process

What we will do to help you through the home buying process…

• We will work with you to help you get pre-approved for a mortgage, if necessary. Sellers and their agents know that a pre-approved buyer is serious and prepared to close on a property quickly.

• Provide immediate access to any new listing that meets your search criteria.

• E-mail, fax, or distribute your specific home requirements to top producing agents in the area alerting them we have a qualified purchaser.

• Set you up to receive an automatic email of all properties that fit your buying criteria.

• Preview all new listings, Internet listings, Open Houses, and For Sale by Owners that suit your home requirements.

• Provide a comprehensive market evaluation of the properties you choose to view.

• Offer step by step communication of all processes leading to the transaction closing.

• Provide consultation and recommendations regarding your purchase offer, with terms approved by you.

• Negotiate the right price for you.

 

Shopping for a Lender

A very important part of purchasing a home is finding the right lender. Below are some characteristics you should look for when choosing a lender. Also below are some things to be aware of when choosing a lender.

Questions to ask while shopping for your lender…

• What is his/her reputation within the community?
• How many loans do they close each year?
• Is the company well known in the area? How long has the company been in business?
• Does the lender have access to a wide variety of loan packages?
• Can the interest rates be locked in and for how long?

Things to be aware of when shopping for a lender…

Quoted rates over the phone are rarely locked prices. This is one way the lender gets you to come to his office. Rates can be subject to changes unless they are predetermined for a specific period of time.

Interest rates can change daily. A quote you get today may not be available at the same price tomorrow.

The interest rate you were quoted over the phone may not be a program that will fit your needs or situation.

Many lenders will discount their posted rates for well qualified customers.

 

Stepping Through the Loan Process

Pre-qualification/interview
Application interview

Order documents
Lender obtains all pertinent documentation

Loan submission
The loan package is assembled and submitted to the underwriter for approval

Documentation
Supporting documents come in
Lender checks on any problems
Request for any additional items are made

Loan approval
Parties are notified of approval

Documents are drawn
Loan documents are completed and sent to the title agency
Borrowers come in for final signatures

Funding
Lender reviews the loan package
Funds are transferred by wire

 

Moving Checklist

Send change of address cards to
Post office
Charge accounts
Subscriptions
Friends / Relatives

Disconnect utilities
Cable television
Water
Electric
Gas
Telephone
Other

Cancel deliveries
Catalogs
Newspaper
Other

Transfer membership
Church
Clubs
Civic organizations

Transfer bank accounts
Checking
Savings
Safety deposit box

Notify insurance companies
Health
Life
Auto
Homeowners

Obtain medical records
General practitioner
Dentist
Other doctors

Miscellaneous
Make arrangements with moving company
Obtain school records for children
Obtain birth records
Have drug prescriptions re-filled
Have car tune-up for trip

Testimonials

  • S. AhrndtBuyer and Seller

    Becky works diligently day and night 24/7,she is dedicated to her profession exactly the kind of agent we were looking for. She is very available, responsive, creative and knows her stuff. We have worked with her both as a seller and a buyer. Within the last 3 years we have sold 2 homes and purchased 2 in Cape May .Becky has a great team,starting with creative photography and marketing.Mallory her assistant can answer any question,her closing officials are awesome and can help with any arising issues. Becky will be very honest with you and make suggestions as needed,she has lots of professional resources if she doesn't have the answer she will get it whatever it takes.She is a realtor professional and I highly recommend Becky Chamberlain if you want someone who will negotiate and work for you from the beginning to the end and everything in between.

  • R. WolffHome Buyer

    My wife and I have bought and sold 11 houses over the course of our 40 year marriage. We have dealt with a great many real estate agents and Becky Chamberlain is among the best. We were in the market for a vacation home in the Cape May area. We did research on the internet and found a few properties we liked. We contacted Becky on a whim because she was the listing agent for one of the properties we liked and we're glad we did. Becky is personable, professional and persistent. She worked us into her calendar that week and spent a day with us showing us the properties we had identified and some others that might meet our needs. It only took one day and we fell in love with a house that was perfect for us. We did something we had never done before... made an offer the next morning. Becky was masterful in guiding us through the negotiation to ensure we paid a fair price while not alienating the seller, who had other offers coming in. With Becky's help we closed a little over 3 weeks after signing the contract and are now enjoying our house on the bay. After the closing, Becky was a plethora of information on all the things we needed to prepare our new home and ourselves for the days ahead. I would highly recommend Becky Chamberlain to anyone looking to buy real estate in the Cape May area.

  • Jack and JeannieHome Seller

    Becky, Thank you for all the hard work we put you through. We really appreciated all the help you gave us in more ways than one. You made our selling experience so much more you helped us get out of a bad situation, and for that we thank you.

  • Michael DippolitoHome Seller

    Becky, I am extremely satisfied with your performance and attention to detail with the sale of my home.  I would highly recommend you to my friends and neighbors.  You are a skilled professional.  I have listed my home with three other realtors prior to listing with you .  You are the best!  You staged my home which improved the appearance.  Becky is a great asset to your organization.

  • Richard HoffHome Buyer

    Thank you Becky!  Not only are you knowledgeable about all details of the transaction, but your no-pressure, friendly & high energy personality make buying a house a pleasure.  I appreciate all of your quick and thorough responses to all our emails and phone calls.  You do a wonderful job and I appreciate it!

  • Bill & Polly WatsonBill & Polly WatsonHome Sellers

    Thanks for all of your help in getting our home sold so quickly.  Our Cape May property was the eighth house that we’ve bough and sold since we’ve been married and during that time have had the opportunity to work with many real estate sales people.  Polly and I both agree that you were the best sales person that we’ve ever worked with.  Your attention to detail coupled with your quick and thorough communication made the whole process go so much more smoothly.  If we become aware of any family or friends looking to buy, sell or rent property in your market we will strongly encourage them to contact you.

  • Dave & Jennifer BlishHome Buyers

    We were very satisfied, it went more smoothly than any other real estate transaction we have been involved with.  Becky is very knowledgeable about the market.  She also has a great ability to zone-in on what her buyers are looking for.  She is very professional and a pleasure to work with.

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Copyright © 2021 · Rebecca Chamberlain, SRES, RSPS, SFR | Licensed NJ Realtor | becky.chamberlain@longandfoster.com
Cell: 609-972-7507
Long & Foster Real Estate, Inc. | 501 Lafayette St - Cape May, NJ 08204 | Office: 609-884-1007


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