A good credit score increases the likelihood of qualifying for a mortgage because it indicates to the lender that you're more likely to make timely payments on your loan. Even better, a solid credit score gives you, the potential borrower, a better chance at a lower interest rate.
Worried that you can’t afford a down payment on a home? Here’s some good news: If you’re a first-time home buyer, you might qualify for down payment assistance provided through a government agency or private organization.
Why is it important to have a good lender and agent?
The stronger your relationship is with your lender, the better they will be able to understand your business when you come to them for advice and solutions to help it grow. The key to creating a solid relationship with your lender is to begin long before you apply for a loan
Your agent can help negotiate the sale, or point out things with the home that could be potentially be problematic down the road. You want someone that is working for you and looks out for your best interest. An agent can help you from being exposed to a property that's not right for you.
Market conditions is a term that refers to the state of an industry or economy. The term is commonly used in reference to stock and real estate markets, which are often described as being volatile or stable. These conditions are an indicator used by many to influence their decisions.
MetroList® is the largest Northern California Multiple Listing Service (MLS) that provides real estate professionals with detailed and accurate listing data, the most advanced technology, and first-in-class service to ensure you have the best information available when making decisions to sell or purchase real estate.
When you find a home you can see yourself living in you don't want to delay in viewing it. If you like it, someone else may love it. Let's see it sooner rather than later.
We will research available properties and show you homes based on the criteria that we establish. As we view different homes, we will reassess your criteria. The more precise and direct you are, the more successful our search will be.
Once you have found the home that you wish to purchase, we will do all necessary research to help you structure an effective offer. We will provide you with comparables in the neighborhood and/or surrounding areas. This will show you what properties are selling for to give you a better understanding of the offer price. We will write the purchase agreement, and we will advise you on protective contingencies, customary practices, and local regulations.
Once your offer is accepted, we will handle all of the contractual processing including inspections which we highly recommend. You may use any licensed and certified inspector you prefer, or you may select from our list of preferred vendors. Our list is not mandatory to use, but is a resource list for your convenience. If you do not have a preference we handle selection and coordination for you. Just let us know your preference.
In the home-buying process, the buyer agent handles the negotiation and presentation of the offer to the seller on behalf of the buyer. This is something that buyers can’t do on their own. Negotiating requires extensive knowledge and other skills gained from experience over a period of time. To negotiate effectively, the agent should also have a clear understanding of the buyer’s needs and preferences.
The home you love not quite what it could be? We have an extensive list of specialists (painters, flooring, stagers, handymen, inspectors, electricians, plumbers, contractors, architects, etc.) who are dedicated to their crafts and can assist you in bringing your vision for your home to fruition.
Once your transaction has closed, we will provide you with all of the document history of your transaction history with access to an online cloud storage which will house the information for years to come. And our service doesn't end there. We are here for you, even after it's done.