Buyer's Guide

BENEFITS OF USING A BUYER’S AGENT

Buying real estate in New York City is notoriously complex. TEAM VIA will help you navigate these complexities by leading the search, application, contract, finance, and closing processes. TEAM VIA will put the right team together to make your transaction seamless.

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DISCOVER THE TOP 4 REASONS TO CHOOSE TEAM VIA AS YOUR BUYER'S AGENT

  1. Exclusive Property Access: TEAM VIA provides access to properties not publicly listed, expanding clients' real estate options.

  2. Expert Negotiators: With co-founders who are highly trained negotiation experts, they work tirelessly to secure clients' desired properties at the most favorable prices. Collectively, their negotiations have saved buyers over $2.5 million on their real estate investments, demonstrating their commitment to maximizing the value of their clients' purchases.

  3. Local Insights: TEAM VIA's deep roots in local communities allow them to offer clients early access to neighborhood real estate information and opportunities.

  4. Trusted Professional Network: TEAM VIA maintains an extensive network of recommended attorneys, mortgage professionals, estate planners, and other experts, ensuring that clients have access to the best resources for every aspect of their real estate journey.

THE HOMEBUYING PROCESS

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Step 1: BUILDING THE FOUNDATION

Work with TEAM VIA to complete an asset and liability form, find a mortgage professional and real estate attorney, and get a loan pre-approval if you are obtaining financing.

Tip: Your offer will appear stronger if your loan is from a reputable lending institution with a local presence in New York City.

A minimalist-style living room with a light-colored couch facing the television, two ottomans, and a coffee table.

Step 2: GO SHOPPING

TEAM VIA will start by gaining an understanding of your needs and criteria, then curate a search including every relevant property on and off the market. 

Tip: Create a list of must-haves versus nice-to-haves.

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Step 3: SUBMIT AN OFFER

TEAM VIA will help you craft the most powerful offer by analyzing market conditions, assessing buyer demand, and uncovering the seller’s motivations. An offer, if accepted by the seller, creates a non-binding agreement for the purchase of the home. The seller will likely return with a counteroffer, which you can accept, reject, or further counter.

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Step 4: OFFER ACCEPTED

After your offer has been accepted, TEAM VIA and the seller’s agent prepare a deal sheet for the attorneys to develop a contract.

Tip: Multiple offers can be accepted, but only one wins. Building a solid foundation in step one can help you beat the competition.

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Step 5: ATTORNEY DUE DILIGENCE

Your attorney will review the history of the building to ensure that it is in sound condition, both physically and financially.

Tip: The attorney typically spends five to ten business days conducting due diligence.

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Step 6: IN CONTRACT

Your deposit (usually 10%) is submitted to the seller’s attorney and will be held in escrow until closing.

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Step 7: MORTGAGE APPLICATION (if financing)

The bank will confirm your income, assets, and credit.They will also collect information about the financial status of the building and arrange for a property appraisal. Once approved for a mortgage (which takes approximately three weeks), you will be issued a mortgage commitment.

Tip: The board will not review your application without the mortgage commitment letter.

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Step 8: BOARD APPLICATION (Co-op/Condo only)

Buyers are beyond thankful that they have an agent in this step. TEAM VIA’s board application specialist will compile your board package, which comprises hundreds of pages and is often one of the most labor-intensive parts of purchasing a NYC apartment.

Tip: Most co-ops will invite prospective buyers to a board interview after reviewing their board package. TEAM VIA can coach you beforehand to ensure you put your best foot forward.

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Step 9: FINAL WALK-THROUGH

On (or right before) closing day, you, TEAM VIA, and the listing agent will complete a final inspection to ensure everything is in working order.

Tip: Take pictures of any discrepancies and send them to your attorney. Don’t forget to check the outlets.

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Step 10: CLOSING

It is time to sign on the dotted line! Your attorney will send you a copy of everything you have signed at closing.

Congratulations!

After signing the final paperwork to complete the purchase, you are now the owner of a new house. It may take a few days for your loan to be funded once the paperwork has been returned to the lender, but once that check is delivered to the seller, you’ll be all set to move into the home of your dreams. 

Our Testimonials

Victoria Campbell

Victoria Campbell

Chris and Ben were excellent and made the not so easy rental process in NYC seamless and easy. I would recommend them to everyone! Incredibly responsive, knowledgeable, and resourceful!
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Robert Clark

Robert Clark

Chris worked really hard to help my family find the right home. He listened and found a lot of homes for us to look at, educated us on the market, and answered our tricky situations without any issues.
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Dan Cahalane

Dan Cahalane

Everything went perfectly as far as I’m concerned. This all couldn’t have gone better!
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Corbin Bleu

Corbin Bleu

Ben heard we were looking to sell our house and knowing that he couldn’t be in LA with us he recommended a fantastic realtor in our area! It was the best referral we’ve ever gotten! We sold our house in no time and for the pric...
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Jena Friedman

Jena Friedman

Ben is the best realtor I have ever had, a true gem.
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Teddy Finklestein

Teddy Finklestein

Chris and Ben were extremely helpful throughout the process. They are extremely easy to work with and made the process extremely seamless throughout.
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Dan Micciche

Dan Micciche

Ben was the best broker for me because he’s extremely calm, communicative, smart, patient, and professional. I could not have gotten through the stressful process of buying in a strict co-op building without him. He’s a keeper....
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Rob Barrett

Rob Barrett

Ben is amazing - much more than an agent, he quickly became a friend. He understands what busy people are dealing with, cuts through the clutter and finds a solution that works for your life. And Ben owns it! He is always ready...
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Skye Taber

Skye Taber

If there's anything that could test the patience of a real estate agent, it would be the challenge of finding the "perfect" apartment, in a particular NYC neighborhood, at the perfect price point, during a global pandemic. And ...
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Alex Blaszczuk

Alex Blaszczuk

Working with Ben and Chris led me to an apartment that matched all of my needs (even ones I didn't know I had!) – an end result of a years-long process of them helping hone in on my housing priorities and mature into homeowners...
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Itamar Moses

Itamar Moses

Knowing I was looking to buy an apartment, Ben and Chris were incredibly helpful and conscientious, sending me a wide variety of options over the course of, quite literally, years, helping me to adjust my parameters and figure ...
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Michael Geralds

Michael Geralds

Chris is a consummate professional and struck a perfect balance with showing us homes that were a perfect match with our needs and opening our eyes to new ideas. His patience and insight were so critical in establishing a deep ...
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Lea Salonga

Lea Salonga

I had worked with Ben previously in the music world (he created an arrangement for a performance several years ago), so I was a little bit surprised that he was now in the real estate industry. To my amazement, his passion for ...
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Lai Ling Jew

Lai Ling Jew

When my siblings and I needed to sell our late brother’s property at 428 West 23rd Street, #4D, we were determined to find real estate agents who could deliver exceptional results and a level of service that surpassed the indus...
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Tricia Ward

Tricia Ward

Terrific. Lovely guys who were always available to answer questions. They came up with a great strategy to sell my apartment fast and were patient with me during my new apartment search. A pleasure to work with.
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Sebastian Kim

Sebastian Kim

I can’t thank Chris enough for his time and dedication in helping me find the right spot for my needs. He has an approachable and humble quality that made me trust him completely. I can’t praise him enough and I highly recommen...
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Michael Lee

Michael Lee

Working with Chris and Ben was an exceptional experience. They provided comprehensive market analysis, insightful advice, and were incredibly responsive and attentive to our needs throughout the entire process. Thanks to their...
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Rosie O'Donnell

Rosie O'Donnell

This guy gets it done. Highly recommend. He will find your home.
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Mark David McPherson

Mark David McPherson

For better or worse, my wife and I have bought and sold too many homes in the last 10 years for various reasons, leading us to work with 7 different agents. In our experience, Ben and Chris were far and away the best agents we ...
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Amanda Petrusich

Amanda Petrusich

My husband and I worked with Ben and Chris to sell our Cobble Hill apartment quickly (for some insane reason, we decided to move when I was nine months pregnant). I can’t say enough complimentary things about their work — they ...
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Work With Us

As Co-Founders of TEAM VIA, Ben Toth and Chris Farber relentlessly advocate on behalf of their buyers and sellers. TEAM VIA is a solution-oriented group focused on sourcing, evaluating, and negotiating the best real estate opportunities — both on and off-market.

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