Buy

 

Why Buy With Joie?

Joie has specialized in a representing buyers since 2009, and has closed over 30 million in transactions as a solo agent.  Joie has a team of amazing people around her, assisting her clients every step of the way. Between the showings, the offer, the negotiations, the inspection, the appraisal and the walk-through, it is all handled by Joie and her team.  We accommodate last minute showing requests and in-home evaluations, so that we can quickly list if we have to, in order to sell.

Thankful to have a full time career in Real Estate for 8 years, and in that time I have persevered through all types of sales and situations. It has been amazingly educating, rewarding, fun and I look forward to many more years.

 

 

 

 

417-glenmar-ave-mahtomedi-mn-large-002-2-417-glenmar-ave2-1500x1000-72dpiI LOVE what I do and am passionate about it. You FEEL that when you work with me. You know you are getting the best deal from all sides when you work with me. I am tireless. I am devoted. I exhaust all options.

I LOVE first time home buyers, the thrill of seeing them land their first home.

I LOVE the move up sale, to see where their next step in life is.

I LOVE the downsizing sale, to see how far they have come and where they are going now to start the new chapter.

I LOVE the luxury sale, the ability to see inside the lives of ornate living and style.

I LOVE the cabin sale, and to see families come together and enjoy life right at home.

I LOVE the investment sale, to see people take control of their money. Assisting them to build their wealth.

I LOVE the Rehab/Flip sale to see people come with vision and turn a home into art.

I LOVE the sale, YOUR SALE.

Lending:

“My passion is to bring meaning and create lasting impact for my customers. I uphold the highest ethical standards and a striking commitment to quality every step of the way. Integrity is central to my business. I believe a mortgage should be about building relationships, trust, and helping my customers to achieve their home financing goals. Many loan officers can get you a loan. My mission is to get you the right loan!”

Mona Edick

Click Here To Get Pre-Approved

 

The Home Buying Process:

16952-festal-ave-farmington-mn-large-001-5-16952-festal-ave1-1500x1000-72dpi1. GET PRE-Approved, more than getting prequalified, GET PRE-APPROVED.  The difference?
Pre-approved makes you a stronger borrower, because the bank has actually verified income, tax statements and credit.
 
2. BE READY to BUY.  This is a market you MUST be READY to buy in.  Inventory is LOW and buyers are going into multiple offer situations.  In order to take part, you and your agent must be ready.  That is why JOIE SCHUBERT works 24/7.  For your sake, not hers.
 
3. Joie Schubert, your agent will be ready and available for you to shop, and be knowledgeable about the market. 
 
4. Shop.  Get educated by shopping.  Look at the most for the least.  Look at the top 5 high range and the top 5 low range, and the middle 5.  That will tell you what the money for the market is going for in your area. You will feel well-rounded and educated to buy. Some people see one house and buy. Some see 15.  You will know when you walk in the front door. 
 
5. When you see one you LIKE, and cannot live without or would be MAD if you lost it because you didn’t try for it, that is a good indication this is THE ONE to try for.
 
16952-festal-ave-farmington-mn-large-012-15-16952-festal-ave12-1500x1000-72dpi6. Make a solid, committed offer with terms and contingencies that protect you and your money.  I will do that for you.  I am here to protect you.  Deposit Earnest Check.
 
7. Offer Accepted.  Turn in your earnest money. 
 
8. Inspection and Review Period of 3-10 business days, depending on the situation.
 
9. Appraisal
 
10.Commitment to lend and Clear to CLOSE.

 

 Inspections:

Always. Unless YOU decide not to.

After negotiating, we have your inspection.  Most buyers have an inspection.  Very few buyers do not have inspections.  Investors usually do not because they generally are planning to rehab from the bottom up and put everything up to code and so forth anyways and plan for risk.  New home buyers usually do not, as the city inspector, the building inspector and contractors are continually being signed on off as the process goes along.  I highly recommend a home inspection for every purchase, because you never know for sure, and a home inspector is licensed and educated to see and suspect items we would not normally see on our own.  You can pick your own inspector, or Joie has many that can be of service to you.

Home Warranty:

Home warranties can be a part of negotiating and are a good thing to have on the home.  However, like any warranty, they have exclusions and thresholds of what they cover. So be careful to give them more credit than they deserve.  Many different types, companies and levels of coverage exist.