Choose your REALTOR ®

Choosing a REALTOR® to represent you today is very important.  They should be knowledgable of the current trends and conditions in today's changing marketplace. 
A good REALTOR® will also give you the same care and loyalty that you give to them, just as any professional would.


As your Real Estate Professional

I am a good communicator and knowledgable of our marketplace and trends.

I am experienced with working both short sale and bank owned homes.

I am an experienced negotiator to assist you in the buying process.

I am highly-trained, with higher education and have earned the designations of
GRI, Graduate REALTOR , ABR, Accredited Buyer Representative and
SRES, Seniors Real Estate Specialist. 
Only a limited number of REALTORS® have earned these designations.

In addition to my focus on technology, I am always available by phone for your questions both during and after the buying process.

Both Creative Property Services and I are highly recognized in the markets we serve. 

Financing

The first step in the home buying process should be to obtain a pre-approval from a mortgage lender.  This usually only takes 30-45 minutes and is at no cost to you.  I can help set up a time and place that is convenient for you.

This process will help you:

• Understand the types of loans available
• Determine what your monthly payment will be
• Estimate the down payment and closing costs
• Determine the price range of homes you shop for
• Prepare you when it's ready to make that offer

  
  The Loan Process
  
  Application - All pertinent documentation is obtained. Fees and down payments are discussed, and the borrower will receive a Good Faith Estimate (GFE) and a Truth-in-lending statement (TIL), itemizing the rates and associated costs for the loan.
  
  You will be asked to provide certain documents to your lender in order that your loan can be processed in a timely manner.
  
  Loan Submission - Once all the necessary documentation is in, your completed file is submitted to a lender for approval.
  
  Loan Approval (Underwriting) - Loan approval, or underwriting, generally takes 24 to 72 hours. All parties are notified of the approval and any loan conditions that must be received before the loan can close.
  
  Closing - Once all parties have signed the loan documents, they are returned to the lender. If all the forms have been properly executed, the lender sends the loan funds by wire transfer. At this point, the borrower finishes the loan process and actually buys the house.
  
  
  Finding and Choosing the Right Home
  
  There are many factors to consider in selecting a property, including location, bedroom and bath count, schools, amenities and more!  Based on the criteria that you will provide to me, I will help you find a home that you will enjoy for years to come.
  
  I will apply my community knowledge and professional resources to research available properties, and show you the homes that meet your needs and may interest you.  If you see a property that interests you, whether through the Internet or just by driving by, let me know so that I may arrange to show you this home.  As you know, I can help you purchase any home for sale, regardless of listing brokerage.

Making an Offer

Once you have found the home that you wish to purchase, I will apply my professional training and do all the necessary research to help you structure an effective offer.

This is where my negotiation skills come into play. When an offer is made, the seller will have the option of accepting, rejecting or counter-offering. I will negotiate for you to obtain a deal that is acceptable by you.

I will draft the purchase agreement, advising you of protective contingencies, customary practices, and local regulations. Home warranty, title and escrow arrangements will be detailed in the offer. Although I will give you advice and information, it is your decision as to the exact price and terms that you wish to offer.

Managing the Escrow

When the purchase agreement is accepted and signed by all parties, I will open escrow for you and your earnest money will be deposited. The escrow is a neutral third party that will receive, hold, and distribute all funds associated with your transaction.

Removing Contingencies

Prior to closing escrow, all of the contingencies of the Purchase Agreement must be met.  I will coordinate this process. Typical contingencies include:

• Approval of the Seller’s Property Disclosure Statement.
• Approval of the preliminary title report.
• Loan approval, including an appraisal of the property.
• Physical inspections of the property.
• Pest inspection and certification.
• Acquisition of homeowner's insurance.

Closing Escrow and Moving In!

When all of the conditions of the purchase agreement have been met, you will sign your loan documents and closing papers. You will deposit the balance of your down payment and closing costs to escrow, and your lender will deposit the balance of the purchase price. The deed will then be recorded at the County Recorder's office and you will take ownership of your home.

I will be by your side until everything is done and I give you the keys!