The real estate services are similar when it comes to working with buyers. However, I receive constant referrals from my past buyer clients because I am willing to go the extra mile and take my buyer’s real estate services to the next level. Check out my buyer services below and you’ll see why.
Some of my buyer clients may prefer to visit open houses on their own, and others would like me to make appointments and show the properties to them. In either case, I will view the property personally and share my comments and thoughts with my buyers. By spending time with my buyer clients, I can learn what the buyers are looking for, so I can make the search more effective and save my clients valuable time. In addition to the traditional search, I provide my clients automated email alerts, so you don’t have to fear missing out on a newly listed property that meets your criteria, price reductions, properties that have come back on the market, and more.
Finding the right home for you may be the primary goal, but finding and securing financing is also critical during home-buying. I have connections with many mortgage brokers and lenders, and I’ll help you to connect them so you can choose the one that is the best fit for you.
Lending criteria and interest rates are always changing. You may be surprised at what loans you can qualify for, I will try to be your great source to find the best financing program for your purchase.
Although it may seem easy to write a purchase offer nowadays, especially utilizing online document management and signing platforms, it actually demands a great deal of experience and preparation for the offer to be accepted or even be considered under the current market conditions. As your real estate agent, I will prove my value to help you prepare an offer that meets your financial goals and at the same time has the highest probability of being accepted by the seller.
This is achieved by having extensive local real estate market data, learning the seller’s motivation to sell, and evaluating the buyer’s own situation as well. There are many aspects to consider in the negotiation of a real estate deal, and they don’t always involve money. Perhaps the seller doesn’t have the flexibility on price, but they can make other concessions that could result in a great deal for you. I will help you to consider each term individually so you can make the best decision along the process.
Once your offer is accepted, you and the seller agree on a price, which is not necessarily the final price that you have to pay for the property. There may be room to negotiate after the home inspection, which is a critical step in most real estate purchases. I have many experiences with these and am ready to help.
During your inspection contingency period, not only do you have the right and the responsibility to do your investigations, you have the right to cancel the purchase during this period and have your deposit returned to you.
Inspections in a real estate deal can encompass many aspects:
Depending on the property, you may not need to do all of these, whether you decide to perform a single general-purpose inspection or a combination of multiple inspections, I will help you order the proper inspections, schedule them, and make sure that they’re completed with plenty of time to evaluate them and confirm your readiness to proceed with the purchase.
Once inspections are completed, there can be issues uncovered that you weren’t expecting and want to have addressed by the seller, resulting in another round of negotiations. You will be provided with written reports from each inspector, I will help you understand the reports, follow up with questions and concerns, and draft any requests for repairs or credits that we determine are appropriate in light of what was discovered. Since Sellers are not required to provide either, this becomes a delicate part of the process, where negotiation skills are critical. There are situations where either the Buyer or the Seller may refuse to make any concession, and the parties look at the entire situation to determine whether it makes sense to continue, or more sense to walk away. If it’s an excellent financial opportunity or your irreplaceable dream home, you won’t want to walk away for some repairs that are not of significant cost. On the other hand, we may determine that the property is no longer worth the amount you were willing to pay before learning this information, and I will diligently work in your favor to negotiate the appropriate action or reduction. I will always support your decision to change your mind during the contingency period. Your satisfaction is the most important factor, and I will never push you to move forward if you become uncomfortable. This is why the contingencies (conditions that must be satisfied or allow you to cancel) are so important to protect you, and I will keep you informed as to each deadline.
Due to the increased amount of natural disasters in the state of California and the more strict regulations, more and more insurance companies decided to leave CA or stop writing new policies for the properties in the state, this has posed significant challenges to home buyers. Many home buyers only find out they won’t be able to find adequate insurance coverage for their dream property days before the scheduled closing, which leads to breaking the deal apart, and hurts the parties involved financially and emotionally.
I will address this concern with my buyer clients as early as possible and point the buyer to a variety of resources including the state-run program, so the buyer can secure the hazard insurance coverage that suits the buyer’s needs and meet the lender’s requirements.
In addition to hazard insurance, title insurance is another critical insurance policy that protects your home ownership and often gets little attention. I find it very important to work with experienced and knowledgeable title officers and title companies, as their level of expertise can make all the difference. I will review the preliminary title report with you. If any issue does arise, you couldn’t be in better hands to evaluate and deal with it. When you purchase a condominium or any residence with common shared interests, you will come across documents called the CC&Rs (Covenants, Conditions & Restrictions), which are critical documents impacting everyone who purchases within the complex. I will help you understand the contents of the important documents and strive to point out issues that I see as noteworthy, there may be issues that don’t seem significant to me but are important to you, so it is very important to read and understand the documents.
Once the offer is accepted and a closing date agreed upon, escrow allows the buyer and the seller to have an outside party ensure all parts of the contract are complete. Dozens of detailed tasks, document deliveries, deadlines, inspections, and mortgage details are all happening during this period, I am on every one of them and help coordinate the completion of all necessary forms to the escrow company and keep your transaction organized and moving until it is completed.
There are dozens of specific due dates and tasks on an average transaction during escrow, but an overview of a few includes:
There are many companies and people involved in a real estate transaction, such as agents, transaction coordinators, escrow officers, appraisers, title companies, mortgage lenders, inspectors, homeowner associations, warranty companies, termite or pest control companies, etc. Each has its specific duties and requirements and is targeted on its specific responsibility. As your buyer agent, I’m your ultimate “go-to” resource to bring it all together. I’m here to coordinate the activities of all of these companies and people for you.
When it is time to complete the purchase, I will review with you the final closing statement provided by the escrow ensuring every entry of fees is verified and clearly understood. Then I will arrange the loan documents signing between you and the escrow/notary public, so the lender can receive the signed loan documents on time. I shall remind you to deposit your final purchase funds/downpayment into the escrow trust account without unnecessary delays.
After all these are done, both parties pay any settlement fees, and the documents are officially recorded. The escrow closes and I will arrange with the seller and deliver the keys and possession to you. All hard work pays off now! Congratulations, you are officially the homeowner!