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Your North San Diego County Real Estate Resource
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The Value of Hiring a Real Estate Professional

How I can help you with the buying process.
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Points to keep in mind when talking with a lender
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Mortgage Primer.
An overview of the different types
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Some info on property taxes
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Why hire a professional real estate broker to help you find and buy the right property?

Why not just use the agent who has the home listed?

Will you get good advice on the home buying process?

Will you be able to get an unbiased opinion on price?

Does it make sense to commit to 1 agent who will represent you and give you unbiased advice?

Ask Your Lawyer!
Would he agree to represent both sides in a case in which two parties have opposite objectives?    

Buyers objective - buy a home at Lowest Possible Price with terms in YOUR favor.

Sellers objective - sell home at Highest Possible Price with terms in THEIR favor.   

Hiring a Buyers Broker saves you money and guarantees service at no extra cost. The Seller has already agreed to pay your Buyer's Broker a commission.  If you're frustrated using the system you need to be a CLIENT versus being just a CUSTOMER.  

How is buying different with a Buyer's Broker?
Your Buyer's Agent is legally and morally obliged to get YOU, their client, the best possible price and terms.

Your Buyer's Agent is legally and morally obligated NOT to reveal to the seller any information that would prejudice your negotiating position.

You can make offers on unlisted properties, For- Sale -By- Owner, expired listings, etc. without complications of "dual representation."    

You receive:
Interview to determine your needs: type, size, locations, financing
Tricks of the Trade on how best to navigate the market
A Program tailored to YOUR way of sifting through all the homes for sale
A Master "Drive-By" List of properties, (updated daily or on line)
Computer Supported Searches - Your search is coded and saved into MLS
You save time. I preview all homes.
        

What can the Buyer's Broker find out about a property?
Length of time the home has been on the market
If the price has ever been adjusted
What homes of "like kind" have sold for in the last six months
Costs the Seller is already willing to pay
How to negotiate other costs to lower your down & closing costs
And most importantly EXPERT ADVICE on structuring an offer that meets YOUR goals AND solves the seller's real problem

The buyer's professional real estate agent does a lot more then simply find a property to earn his or her commission:
Mortgage Pre-Qualification
In today's market you must, at a minimum, be pre-approved for a home loan. First, being pre-approved tells you what price range to look for a home in. You will know what down payment is needed, how much your monthly payment will be and all of the different loan options available to you. Second, by having a pre-approval letter in hand, you put yourself in a much stronger position to getting your offer accepted. I work with a number of lenders and can recommend the one that best fits your needs.

Selecting a Property
Targeted Searching
:
  There are hundreds of properties with signs on them. I know which ones are sold, pending and most importantly, still available. I will focus my search on properties that meet your criteria and not waste you time by having you look at ones that do not. 

Resources:
Sometimes the property you are seeking is available, but not being marketed to the public. I have many resources to find the right property for you. 

Objectivity:
Your job is to make the final selection of the right property for you. I will provide objective information about each property so you can make a well informed decision.  

Negotiating
Negotiations concern more then just the price. Other issues to consider are:
      Financing and terms                                   Date of possession
      What repairs will get done                           Inspections to be done
 

Monitoring, Renegotiating and Closing the Sale :
Overwhelming volume of steps.
  The process of appraisals, inspections, and financing involves a lot of possible pitfalls. There are many required legal forms and processes. I will guide you through all of these steps.

Experience reading and following escrow instructions.
  Instructions must be clear and complete.  I am the best person to objectively help you communicate these issues and move the transaction to closing.

Inspectors and other professionals.  I will recommend inspections to be done and negotiate regarding repairs needed to complete your contract.  Industry contacts provide resources for contractors in many areas with knowledge as to their historical skill and reliability.

Title Investigation.  Title indicates ownership of the property. It can be mired in confusing status of past owners or rights of access or have some limitations; for example, easements, special taxes or CCR's. I will help you to understand and make sure no problems are there. 

Closing. Title companies will handle the escrow process. I will be communicating with them weekly to ensure the process is moving along so everything comes together in a timely fashion and we close escrow with the least amount of stress.

Would you like to talk to me about buying your own home?  
Call directly at 760.476.9560 me or email me...  Click Here!