BUYER INFORMATION

We will listen to and walk through the entire home buying process with you. Our first goal is to give you all the information you need so that you can make an informed decision as to how to move forward.

BUYING PROCESS:

Step 1 - Understanding your needs

We first seek to understand you… your wants, your hopes, your needs and your dreams. At this initial meeting we will also outline the remainder of the buying process.

Step 2 - Get Pre-Approved

A pre-approval letter is an important step in preparing to purchase a home. Having this letter will let a seller know that you are serious, ready, willing, and able to purchase their property. This is also an opportunity to find out what loan programs are available to you that will meet your short and long term financial plans and needs.

Step 3 - Finding your home

We will work with you to find homes that are great matches based on your specific criteria. Whether we find the perfect home in one weekend or over a year we are committed to finding the right property for you.

Step 4 - Making an Offer

After finding a home that suits you, we will help you structure an offer that takes into account your unique circumstances, what we know about the sellers situation, the market, and any other information that leverages your negotiating position.

Step 5 - Negotiating the sale

If the seller counter-offers we will make sure you understand your options and help you analyze each counter offer if one is received and and guide you through the negotiation phase protecting your best interests.

Step 6 - Monitoring the sale

In California, virtually all real estate transactions include Title and Escrow companies. These are neutral third parties that are included in the transaction from the time the purchase agreement is accepted until title is transferred to the buyer. Escrow is a temporary deposit of assets, such as funds and documents that are handled with a neutral third party. This third party contributes to the management of finalizing the transaction. Monies are released and title is transferred only after the conditions of the contract between the Buyer and Seller have been met.

FAQ's

Closing Costs:

Loan payoffs, inspection fees, tax pro-rations, transfer taxes, any judgments and liens, recording fees, notary fees and any other negotiated items are all costs that will vary depending on the sales contract.

Real Estate Commission:

Typically the commission is negotiated between the seller and the seller's agent and is not fixed by law. Commission amounts are usually divided among the Seller's agent's Brokerage, the Seller's agent, the Buyer's agent's Brokerage, the Buyer's agent and any referring agents. Commissions are usually paid at the close of escrow from the Seller's proceeds.

How long is an escrow?

30 to 60 days is the typical time that it takes to close escrow. The length of an escrow is determined by the terms of the purchase agreement and the time required to remove contingencies according to the contract. This includes the time necessary to secure funding by the buyer and satisfy the lenders requirements.

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