Elena Ginsberg, Greenwich, CT Realtor

As your trusted real estate agent, I will provide you with information about the buying process, financing options, current market conditions and types of the properties that are available which meet your criteria. You will need to meet with your mortgage broker to get mortgage preapproval. If you do not have a mortgage broker, I can recommend a Senior Financial Consultant in the Prudential office who can get you started.

My fiduciary obligations to you as my client(s) are as follows:

Checking new listings every day, and you may be the next buyer who is the only one to see the property. With quick, smart action you could own that bargain.
Emailing you the listings, so you can have all the information you need.
Making appointments for us to see the properties that appeal to you,

After you see a house that fits your needs, we will discuss a starting point to make an offer expecting it to be countered. The idea is to find that point where the seller will sell and you will buy. It is important to start with a right offer. I will determine if the showing activity has been brisk, and if competing offers are in or coming in. The strength and attractiveness of an offer depends on the following criteria.

Does an offer have mortgage contingency? If it does, then the loan contingency clause requires you to apply for a mortgage by a certain date and to get approval by another certain date.
How much of a mortgage are you seeking? It is standard to have 20% down for the closing (10% with the signed contract and 10% at the closing)
Does an offer have a 30, 60 or 90 day closing?

If our offer is accepted, the seller's attorney will deliver the contract to your attorney. You will discuss with your attorney clauses in the contract, which will establish an agreement between you and the seller and /or ask for things you would like to have. It is very important in a hot market to have a Greenwich attorney and to schedule an inspection of the property as soon as possible.

The waiting period between the accepted offer and the actual contract is a very fragile period. Anything can happen. Even after the offer is accepted, a more attractive offer can come in. The seller has a right to except a new offer without any obligations. The contract should be signed as soon as possible, to not give the seller time to choose between offers. It is in your interest to make this waiting period as short as possible.

If a new offer comes in, I will be notified by the listing broker and will make you aware of it right away. If you choose, we might go into multiple bids, but again, you can avoid this by moving quickly and executing the contract.

I will provide you with top quality advice and guidance. I can be easily reached and I return the calls promptly. I will negotiate the best deal for you and will act as your personal advocate during the entire process. I look forward to working with you!

Through Prudential Connecticut Realty I am pleased to offer you Home Warranty coverage. As a buyer, a home warranty can protect you from unexpected and costly repair bills on all covered items in your new home.

Basic home buyer coverage includes:
Air Conditioning/Cooler	Electical System	Water Heater
Heating System	Exhaust Fan	Whirlpool Tub
Heat Pump	Dishwasher	Trash Compactor
Ductwork	Garbage Disposal	Range/Oven/Cooktop
Plumbing System	Built-in Microwave Oven	Sump Pump

Optional coverage may be added:
Swimming Pool/Spa Equipment	Kitchen Refrigerator	Washer/Dryer
Well Pump
There is a trade service call fee per repair visit of $50. Read contract for specific coverage limitations and exclusions.