 |
|
|
|
 |
Artisan Financial's team of experts include; Certified Financial Advisers, Licensed Financing Specialists, Customer Service Representatives, Knowledgeable and Experienced Real Estate Sales Representatives, Competent Real Estate Lawyers, Qualified Home Inspectors and Licensed Insurance Agents. Artisan Financial quarterbacks the entire home buying process from the very beginning through to the very end. This process is spearheaded by one of our Financial Advisers. Once an application is received at Artisan Financial, a Financial Adviser with the assistance of a Financing Specialist analyzes each client situation. This analysis takes into account; the clients credit history, employment history, their present income and net worth. After the analysis is complete an appointment is set up, at the client’s convenience, to discuss the various options available to them. During the initial appointment, the analysis is reviewed with the client enabling the client to fully understand the price range they can afford, the procedures, and the associated costs for the purchase of their home. The Financial Advisers support their clients throughout the entire process answering any questions that may arise. This service is also provided after the transaction has been completed. At Artisan Financial the Financing Specialists work closely with the Financial Advisers to determine whether a client can be approved for financing, for what amount and which lenders would be best suited to their specific situation. It is essential that this step happens early in the process so that the client is aware of the various options and financing products that will be available to them. The pre-approved financing amount will let the buyer know exactly how much they qualify for. The Financing Specialists at Artisan Financial work hard and stay up to date on the latest financing products available to provide the best possible rates and terms to the client. Artisan Financial acts as an insurance policy for our clients to handle any situations that arise and come up with solutions to solve any problems. Choosing the correct Real Estate sales representative is also another key step in the process. Realtors provide you with insight into market trends, current market values of similar properties and opinions on values of specific properties as well as offering information about the amenities of specific neighbourhoods. The sales representatives Artisan Financial refers its clients to are well-prepared, will take the time to assess the needs of prospective buyers, and will minimize time spent on homes that do not meet their client’s requirements. Real Estate sales representatives have access to both current and historical market data and will help purchasers make informed decisions when evaluating homes. When a prospective dream home is found, the sales representative is responsible for negotiating the final price and contract terms on behalf of the clients. Your real estate lawyer is also another key player
in the team you need put together to make the purchase happen. Artisan
Financial has established great relationships with very well respected
and knowledgeable real estate lawyers. We make sure the lawyers we use
are lawyers who devote a significant amount of their legal practice
to real estate law. The real estate lawyer will search the title, arrange
title insurance, prepare all the purchase and financing documentation,
check for tax payments and other possible arrears, and arrange for the
signing of document authorizations to enable electronic closing and
registration by computer. Each document will be carefully explained
to our clients at the time of signing, and the flow of money from the
buyer to the seller will be reviewed in full detail. Artisan Financial also knows the importance of having an insurance agent as part of the team. All lenders require that home insurance has been purchased and generally make it a condition of financing. Confirmation of insurance coverage is required prior to or on closing day, and a binder of insurance coverage must be sent to the real estate lawyers office. In recent years it has become increasingly difficult to arrange home insurance, and some insurers are not interested in new customers with no insurance record. We have experienced insurance agents that will look after our client’s home insurance needs. In all these cases, early contact with the insurance agent can avoid last-minute problems. The agent will explain the various levels of coverage available and make sure our clients are properly covered.
To get pre-approved, complete an online application today.
|
|
© 2011 Artisan Financial Services Inc. |