For Home Buyers
Buying or investing in a home is an exciting time in one's life. Making the smart move of choosing a REALTOR® is your first step to ensuring that your new home and community meets your needs. My services and experience range from financial aid to helping you find the single family home or condominium that best suits you and your family, or even looking for investment properties. For your convenience, I also provide property listings by email. Join my buyer list for quick notification of new listings. I pride myself on repeat business and hope you'll come to understand why.
How I Can Help
Before you start looking
Closing Costs
As Your Buyer Agent, I Will:
- Assure that you see all the properties in the area that meet your criteria or help you investigate areas that interest you, especially if you are relocating from out of state. Search properties on my Find A Home IDX MLS search engine or Search By Map. This is a good place to start. Write down MLS numbers and question more information. Join my Buyer List for automatic emails of new listings.
- Guide you through the entire home buying process, from finding homes to look at properties, to negotiating offers, to getting home inspections, to reviewing contracts and disclosures, to tracking escrow, and to getting the best financing.
- Make sure you don't pay too much for your new home and help you avoid costly mistakes.
- Answer all of your questions about the local market area, including schools, neighborhoods, the local economy, and more. How does that work with a Buyer Agent, ask me?
- Save you time, efficiency and legal complicatons.
- If investing, I can help you look for qualifying properties and analyze the cash flow, and capital gain potential.
- Communicate quickly. I am available through email, cell phone and messaging.
- As an EPRO, I utilize on-line forms and technology wherever I can an efficiency to the process.
- Are you an investor? Investing in San Diego.
Before You Start Looking For Your New Home:
- Check your credit rating (FICO score). Straighten out any errors before its too late or before qualifying for a loan.
- Determine a comfortable monthly budget for your new purchase, including down payment, insurance and monthly payment. Don't forget to add in HOA fees if you are purchasing a Condo.
- Find a loan program that meets your needs and get pre-qualified (preferably pre-approved). Get Prequalified and obtain a pre-approval letter from your lender.
- Choose a REALTOR® that you trust and who understands your needs.
- Determine what neighborhood best matches your needs.
- Identify important features you need your new home to have.
- Determine your timing. When would you like to purchase. Keep in mind the length of escrow (45-60 days) and time to negotiate. Get your Broker involved early. Broker-Buyer Agents work for you, so why not use them?
- Lender fees include charges for loan processing, underwriting, preparation and establishing an escrow account.
- Third-party fees include charges for insurance, title search, and other inspections such as termites.
- Government fees include deed recording and state & local mortgage taxes.
- Escrow and interest fees include homeowner's insurance, loan interest, real estate taxes, and occasionally private mortgage insurance.
Find out how much your closing costs could be.
My location and map of Pacific Beach.
