STEP 1: Buyers Consultation
Associations & Memberships:
- California Association of Realtors
- National Association of Realtors
- EXP Builder Award
- EXP Amethyst Gem Stone Award
- Zillow Premier Agent
STEP 2: Comprehensive Buyer-Broker Representation Agreement
This is one of the forms we will be filling out together. It is the main contract for our working relationship.
STEP 3: Sample California Purchase Agreement
When it comes to writing an offer, you'll need to make some big decisions. We'll have to discuss about your terms such as which inspections you would like done, and length of time necessary to work through contingencies. We'll help you guide you when it comes to writing up a contract; here's a sample CAR (California Association of Realtors) Purchase Agreement.
STEP 4: Making an Offer
What we will need from you when submitting an offer.
STEP 4: (EMD) Earnest Money Deposit Options:
Earnest money, or good faith deposit, is a sum of money you put down to demonstrate your seriousness about buying a home. In most cases, earnest money acts as a deposit on the property you're looking to buy. You deliver the amount when signing the purchase agreement or the sales contract.
STEP 5: Closing Costs | Who Pays What?
Closing Costs are typically between 1% of your overall purchase price. Keep in mind these numbers may change.
The ABC's of Real Estate
Typical words used in a Real Estate Transaction.
The Buying Process Graphic
Learn About Property Taxes
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.
Tax Year
Property Tax Year Explained.
Life of an Escrow
From the moment your offer is accepted until you receive title. The life of the escrow in a chart.
Escrow Checklist
Here is a checklist of items and/or tasks that you will need to do to ensure a seamless closing process.
Escrow Terms Explained
Here is a list of terms you will hear during the escrow process. Most of these are not terms we hear on a daily basis which is why I give you the terms ahead of time. No worries, you are not expected to study them - that is why you have me to be your guide!
Buyers and Sellers Guide
This digital booklet from Chicago Title.
Figure Out How You'll "Hold Title"
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.
What is a Preliminary Report?
What is a Preliminary Report? A preliminary report is a report prepared prior to issuing a policy of title insurance that shows the ownership of a specific parcel of land, together with the liens and encumbrances thereon which will not be covered under a subsequent title insurance policy.
How a Home Inspection Works and How Buyers Can Be Prepared
How does a home inspection work and how can I be prepared? We answer your questions so you can get ready for a smooth inspection.
