As your trusted real estate advisor, my mission is to make a seemingly difficult process very easy. My results-driven approach, analytical background, and genuine nature gives you an advantage in maximizing your return on investment. Through our cutting edge technology, stand-out marketing and exclusive client offerings, our full-service team is able to provide an experience that goes unmatched. We are definitely the group you want in your corner.

Here's an overview of what you can expect during the buying process and working with The Readdress Team.

First, unless you're a cash buyer, you'll want to be pre-approved for a loan. Be sure to choose a lender that is local and understands our market. I always recommend talking to a few lenders to understand the different terms & programs they can offer you. Here's a list of amazing mortgage professionals I've worked with in the past. You can call or email any of them to get started with the pre-approval process. Make sure you mention I referred you, you just might get a faster response...

If you're not already familiar with the intricate interplay of districts and neighborhoods in San Francisco, here is an overview of these districts. I'd be happy to answer any questions you may have. Another good tool is the website www.walkscore.com, which provides info about the immediate area around the property, such as transportation & shopping options. When in doubt- ask for my insight!

Data, data, data! I send monthly market reports to my clients so you're in the know on the latest trends. When it's time to prepare your offer, we'll micro down on these metrics to best inform you on what the property should sell for.

There are several methods we use to find the right home for you. To start, I'll set you up with a property alert via 'RealScout' which will email you when new prospects hit the market. If you have any feedback, questions, or showing requests, you can communicate them to me through this tool. Every week I preview new and coming soon listings on your behalf, recommend open houses for you to attend, and arrange private showings for you. If you find a property on your own that looks interesting, send me the address so I can investigate.

Why Compass? We offer unparalleled service, technology, and ultimately bring more value to you as a home buyer than any other brokerage brings to the table. A few of our exclusive offerings include: - Coming Soon Network - Bridge loans - Preferred Vendor Market Place

Once you're clear on exactly what your target property looks like (and what it doesn't), I'll start prospecting additional inventory for you. We use predictive analytics software to discover potential sellers for our buyer clients and unlock even more off-market inventory. Digital marketing, handwritten notes, door-knocking & cold-calling are just a few of the methods we use to get in contact with these homeowners. Click to see the 423 potential single family home sellers in Marina & Cow Hollow.

When preparing your offer, you'll need to make some big decisions. The purchase price is a major one, but you'll also have to think about other terms like inspections and contingency periods. When the time comes, I'll guide you through the purchase agreement and advise you on writing the winning offer. Here's a sample of the SF Purchase Agreement so you can familiarize yourself before writing offers.

What happens if you get your offer accepted and then discover something negative during your inspection period? Can you cancel the contract? What happens to your deposit? These types of questions are very common and important. Buyers should read and understand the "Liquidated Damages" and "Arbitration/Mediation" paragraphs in the Purchase Agreement.

You've found the perfect home- now what? The next step is contacting me for the disclosure package so you can begin due diligence. State and city laws require specific seller disclosures to be part of every property transfer. All of them are important to read, although many of them are generic advisories used state-wide for all types of listings. Sellers provide their knowledge of the property by filling out a Transfer Disclosure Statement and other supporting forms; they may also choose to provide various inspections, such as a pest/termite inspection or a home inspection. It's my job to help guide you through the seller disclosures and to advise you on how to do your due diligence. Here's the table contents for what you should expect to see in a standard disclosure package for a single family home.

There are several components to a winning offer (hint- highest price doesn't always win!). When appropriate, I suggest that buyers include something like this with their proposal. I have several proven tactics and strategies on how to get your offer accepted that we'll discuss during the due diligence period.

The term 'closing costs' basically means how much it costs a buyer to do the deal. Bulked into this term are: lender fees, escrow fees, title insurance, pro-rated property taxes, homeowner's insurance and pro-rated HOA dues (if applicable). Here's an example of what an Estimated Buyer's Settlement Statement looks like. Of course, each estimate is different based on the property details, downpayment amount, and month of close (for tax pro-ration purposes). Upon acceptance, you put your deposit into escrow, and then just before the close date, you'll need to come up with the remaining funds, which includes the balance of your downpayment and all of the fees. I explain all of this as we go. And here's some good news: buyers typically don't pay any commission for agent representation - that's usually a seller fee.

If you're not already familiar with how the fiscal year works in terms of property taxes, here's a handy chart. Some lenders may require that the borrower/buyer set up "impound accounts" at the close of escrow, which means that a monthly amount is added to your mortgage payment to cover your yearly property tax bill. Some buyers like this arrangement because it breaks up the tax payments into monthly amounts and the lender sends the funds to the assessor; but if you choose to decline impound accounts, then your tax bill is mailed you directly, and it's due twice a year. Don't be late, because there are stiff penalties for delinquent payments.

Single? Married? Sole ownership? Joint tenants? Community property? Right of Survivorship? Your type of ownership taken, also known as 'vesting of title' will dictate how you sign your closing papers and record the transaction. Here's a great informational brochure explaining the common ways to hold title in California.

Buyer clients often ask me "how long will this take?" and my answer is that every deal is different. Some buyers shop for a few months while others find something right away. My best advice would be to shop around enough to feel confident about your decision; and then once you find something you want, write a compelling offer. You can read comments from a few of my past clients here.