Buyer Information
We’ll gather goals, timeline, budget, motivation, and home search needs.
Welcome to your buyer consultation
Welcome!
Your homebuying journey starts today!
Prepared personally for you by
Your ERG Agent
1
Here’s What We’ll Cover Today
Simple, organized, and designed to help the buyer feel comfortable and confident.
Buying Process Made Simple
We’ll walk through the steps from consultation to final walk-through.
Understanding Your Costs
We’ll explain cash to close, down payment, closing costs, prepaids, and seller help.
Financing & DPA
We’ll compare loan options and down payment assistance programs.
Buyer Documents
We’ll review disclosures, buyer representation paperwork, and next-step forms.
Buyer Consultation Worksheet
About You
Buyer Information, Financing & Home Search Criteria
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Consultation Details
2
Contact Information
3
Household & Decision Makers
Children?
Pets?
4
Current Housing & Timing
Currently:
5
Financing Snapshot
Pre-Approved?
Need Seller Concessions?
First-Time Buyer?
6
Home Search Criteria
7
Motivation & Goals
8
Lifestyle & Property Needs
Work from Home?
9
Agent Consultation Checklist
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Documents / Information Needed
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Action Plan & Next Steps
Lender Introduction Sent?
Search Setup Completed?
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Consultation Notes
Homebuyer Roadmap
Buying Process Made Simple
Understanding Cash to Close
Buyer Costs Made Simple
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Down Payment
The part of the home price the buyer pays out of pocket.
Example: $200,000 home × 3.5% = $7,000 down.2
Closing Costs
Fees paid to complete the loan and purchase.
Examples: lender fees, title fees, appraisal, recording fees.3
Prepaids
Costs paid upfront before or at closing.
Examples: insurance, property taxes, and daily interest.4
Seller Concessions
Money the seller agrees to give to help cover buyer costs.
This lowers the amount of cash the buyer needs to bring.5
Cash to Close
The final amount the buyer brings to closing.
Includes costs minus seller help, credits, and assistance.Simple Example
Down Payment$7,000
+
Closing Costs$6,000
+
Prepaids$3,000
−
Seller Concessions-$5,000
=
Cash to Close$11,000
Not all buyers pay the same amount. Loan type, taxes, insurance, seller concessions, assistance, and lender requirements can change the final cash to close.
Important Client Disclosure
Buyer Consultation Disclaimer
FHA • TSAHC DPA • HUD $100 Down • Estimated Cash-to-Close & Monthly Payment Review
Empower Realty Group
Buyer Consultation Tool
Important Client Disclosure
We are licensed real estate professionals, not lenders. The figures shown in this buyer consultation tool are estimates only and are provided to help you compare potential cash-to-close and monthly payment scenarios. Any interest rates shown were provided by your lender or entered for comparison purposes; we are not quoting, locking, or guaranteeing any rate, loan term, payment, closing cost, credit, assistance amount, or approval. All figures should be verified with your lender and title company and are subject to change.
Estimates Only
Final loan terms, cash to close, monthly payment, taxes, insurance, prepaid items, escrows, title fees, seller concessions, and assistance eligibility may vary.
Verify With Lender
Your lender and title company are the final sources for accurate payment, closing cost, rate, credit, and cash-to-close information.
Subject to Change
This is not a Loan Estimate, Closing Disclosure, approval, commitment to lend, or guarantee of final loan terms.
Read-Aloud Summary
Please use this worksheet as a planning estimate only. Before relying on any number, verify the exact interest rate, closing costs, cash to close, monthly payment, credits, assistance, and loan approval terms directly with your lender and title company.
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Decision Metrics
Quickly compare the buyer’s lowest cash to close, payment, rate, and closing costs.
FHA Standard Loan Estimate
3.5% down payment with No DPA and TSAHC assistance options.
HUD $100 Down Estimate
$100 down payment option with No DPA and TSAHC assistance options.
Buyer Disclosure Presentation
Disclosures
Review each disclosure with the buyer, move between sheets easily, and mark items as explained.
Click each section to highlight it as reviewed.
0 of 0 sections reviewed
Client Care
Client Satisfaction Guarantee
Your confidence matters from consultation to contract.
Before you are under contract, your satisfaction comes first.
Notices • Recommendations • Disclosures
ERG Disclosures Explained
Plain-language explanations of the key notices, recommendations, and disclosures for buyers.
Our goal is transparency, clarity, and informed decision-making every step of the way.
Inspector Options
Property Inspectors Disclosure
Inspector options, buyer choice, and ERG’s disclosure.
Property Inspectors
Premier Property InspectionsRichard Flores(956) 878-6045
JDL InspectionsJuan De Leon(956) 961-3537
Termite / Pest Inspectors
A&O Pest ControlJesse Gonzalez*(956) 536-8926
ANS Pest ControlArt Santillanez210-836-7502
Cornerstone InspectionsRoland Arriaga210-836-7502
McAllen Pest Control956-686-4409
No Guarantees
ERG and its employees do not guarantee the quality, performance, or workmanship of any inspector listed.
Your Choice
You may use someone from the list, but are not required to. You may hire any inspector you choose.
Recommendation
ERG recommends both a general property inspection and a termite/pest inspection for all properties.
The final choice of inspector is always yours.
Texas Disclosure
Information About Brokerage Services
Condensed guide for buyers.
Why You Receive This Notice
Texas law requires real estate license holders to provide information about brokerage services to prospective buyers, tenants, sellers, and landlords.
Who’s Who
Broker: responsible for brokerage activities and sponsored sales agents. Sales Agent: works under a broker and represents clients on the broker’s behalf.
Broker’s Minimum Duties
Put the client’s interests first, share material information, answer questions, present offers or counteroffers, and treat all parties honestly and fairly.
Written Agreements
For residential buyers, a written agreement is required before showing property or presenting an offer if no property will be shown.
Representation Choices
A broker can represent the seller/landlord, buyer/tenant, or act as intermediary only with written consent from each party.
Key Takeaway
Signing the notice only acknowledges receipt. It does not obligate the client to use the broker’s services.
Understanding who represents you helps you move forward with confidence.
Loan Approval Reminders
Buyer Do’s & Don’ts
Important reminders to help protect loan approval during the home-buying process.
Do
- Keep pay stubs, bank statements, and financial documents available.
- Use your own personal funds for earnest money unless approved gift funds are documented.
- Notify your loan officer about gift funds, employment, income, or contact changes.
- Stay employed if your income is being used for loan approval.
- Make payments on time and keep funds available for closing.
Don’t
- Do not open new credit cards, loans, or other liabilities.
- Do not make major purchases like a car, furniture, or appliances.
- Do not move money between accounts or make large unexplained deposits.
- Do not change jobs without checking with your loan officer.
- Do not make large cash withdrawals or unnecessary purchases.
When in doubt, ask your lender before making financial changes.
Security Awareness
Wire Fraud Warning for Buyers
A simple overview of how wire fraud happens, how to protect yourself, and what to do if something seems wrong.
What Is Wire Fraud?
Criminals target real estate transactions by posing as trusted parties involved in the deal.
How It Happens
Fraudsters may send fake emails or messages that appear to come from your agent, lender, title company, buyer, seller, landlord, or tenant.
Protect Yourself
Do not send bank account numbers through unsecured email. Always verify wiring instructions before sending money using a trusted phone number.
ERG Notice
This brokerage will never use email, text, or social media to ask you to wire funds or provide personal information.
If You Suspect Fraud
Immediately contact law enforcement, your lender, the title company, and your real estate agent.
Stop. Verify. Then Wire.
Representation Guide
Buyer Representation Agreement Explained
Key terms buyers should understand before signing.
Representation creates clarity, accountability, and guidance — but buyers should understand the agreement before they sign.
Calculator Setup
Calculation Assumptions
These are editable assumptions used by the web calculator. The defaults match the formula pattern used in your uploaded workbook.
Client Disclaimer
We are licensed real estate professionals, not mortgage lenders. The figures shown in this buyer consultation tool are estimates only and are provided to help compare potential cash-to-close and monthly payment scenarios.
Any interest rates shown were provided by the lender or entered for comparison purposes. We are not quoting, locking, or guaranteeing any rate, loan term, payment, closing cost, credit, assistance amount, or approval.
All figures should be verified with the buyer’s lender and title company and are subject to change.