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Getting mortgages. While the share of home buyers reporting that the process of obtaining a mortgage is more difficult than expected is about the same as last year (40 percent) — it is higher than the figures reported in the 2009 and 2010 reports.

Tip: The Home Buyer’s Toolkit is another helpful ABR® tool, which walks consumers through 10 key steps for completing a successful transaction, including help with finding a qualified buyer’s rep, assessing credit and finances, evaluating wants and needs in a home, searching for a home, negotiating terms, obtaining a mortgage, etc.

Data is helpful at seeing the big picture. But at the end of the day, buyers come to us (and return repeatedly) for our knowledge of their local markets, and our instincts and experience as brokers and agents.

Get additional information and insights about today’s home buyers and their experiences with real estate transactions from the NAR Profile of Home Buyers and Sellers 2012, available at the REALTOR.org/Store. Additionally, Accredited Buyer’s Representative’s (ABR®s) have access to many business building tips and tools, such as the Consumer One-Sheets and the Home Buyer’s Toolkit, in the members area of REBAC.net.

Marc Gould is vice president, Business Specialties, for the National Association of REALTORS® and executive director of REBAC.

For more information, visit www.REBAC.net.

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