Buying a home is one of the biggest financial decisions you’ll make in your life. It can also be one of the most daunting. As your agent, I will guide you through the entire home buying process.
How I Serve My Clients
Everyone deserves to live in a home they love! My number one goal is to find you the home of your dreams, to negotiate the best price for you, and to make it as easy and effortless for you as possible. I facilitate the purchase of your new home with determination and transparency. It is my fiduciary duty to do so. When we work together, my commitment to you is:
- I work on your timeline and budget. I often meet buyers months before they’re ready to fully dive in. As you begin your plan to find your new homes, I can help you identify the best lenders and financial planners that you might need to get started.
- I give you a thorough understanding of the market to help you make decisions efficiently, whether that’s deciding what type of home you want, the location, or options you hadn’t considered before.
- I negotiate the best deal for you as if it’s my own money.
- I create an open line of communication. I’ll keep you informed of every step of the process.
- My job is to put your needs first and foremost above all else.
- I will always tell you the truth.
- Whether you need a contractor, designer, architect, or almost any resource surrounding homeownership, I have a vast network of resources to help.
San Francisco Bay Area Real Estate is a fast-moving, vibrant market. I have my pulse on the market and can help you navigate the process of buying a home from beginning to end.
The Home Buying Process
Buying a home can feel like an overwhelming process, but some preliminary steps can make the process seem a lot less complicated.
Before searching for a home, it’s important to know how much home you can buy. Your first step is reaching out to a lender to determine what the bank would be willing to lend to you based on your down payment amount, income, credit score, assets, and debt. In a fast-paced, competitive market such as the one we’ve been experiencing over the past few years, it’s important that you get a lender pre-approval, not a pre-qualification, prior to your search. I have a number of qualified lenders I can refer to you based on your particular financial situation.
The Property Search
Once you’ve determined how much home you can buy, it’s time to start looking at properties! We start with a list of your wants and needs. I also assist in guiding you to areas or properties that you may not have considered before.
Writing an Offer
When you’ve found the home you love, it’s time to submit an offer. Many factors go into crafting a compelling offer. Price is one factor, of course, but there are also the terms to the contract. I help you write the strongest offer possible to present to sellers.
Due Diligence and Contingencies
Once your offer has been accepted and you’re in contract to purchase a home, it’s time to work towards removing any contingencies that may have been included in the offer. Contingencies are protections for buyers in case some serious defect in the property is discovered or if there is any problem obtaining the loan.
During this phase, you will be conducting any discovery that you’ve outlined in the offer. This may include property inspections and loan approval. You will also review the seller’s disclosures about the property. If you’re financing the home with a loan, your lender will order the appraisal inspection and collect any other documentation needed to get your loan approved.
The Escrow Process
An escrow company is the unbiased third party that facilitates the sales and purchase of a home. The escrow company holds all deposit funds and documents, facilitates the title report and buyer’s title insurance, calculates all prorations such as property taxes, and then records the sale of the property with the City. The escrow period lasts from the time a buyer’s offer is accepted until the close of the sale of the home.
Closing The Sale
Once all conditions of your loan have been satisfied, your final deposit is received, and all documentation is in order, you sign the loan and escrow documents. The loan documents are sent back to the lender for final review, and then the lender funds the loan. After all of the funds have been properly dispersed, the escrow company will record the sale with the city. Once recorded, the sale is complete and you’re officially a homeowner!