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Why Hire A Realtor?

So why do you want to hire a Realtor® when buying a house anyway?

Well…

There are many advantages of hiring a Realtor® to represent you as the home buyer.  By working with your own personal Realtor your best interest is always being looked after.

Signing a Buyer Broker Agreement (the agreement used to hire a Realtor®) guarantees the highest form of consumer protection available to a real estate buyer.  By signing the buyer broker agreement, you are essentially hiring the elected buyer’s agent to represent you and your best interest during the transaction.

It’s important to work with a personal buyer’s broker (Realtor®) because…

Satisfied Customers Realtors–> As your buyer agent, we have a fiduciary duty to help you the home buyer locate the best home for your needs and to negotiate the best deal possible. With a Realtor on your side, buyers are assured of the greatest range of choices – the entire market.

–> There is NO COST to hiring our team as your buyer’s agent because the commissions are paid by the home seller or bank who is selling the property.

–> As your buyer’s agent, we will provide you with Value, Sales Statistics, Local Market & Neighborhood Conditions and evident physical defects.

–> We will also provide you with the facts on the neighborhood specifics and appreciation/depreciation values.

–> Your buyer’s agent will also assist you in arranging financing with a Mortgage Lender (if necessary).

On this site you will find a wide variety of useful information to help you buy or sell a home in San Diego. From information on the local community, to advice about finding a mortgage or preparing your home to sell, it’s all available here on our site.

You can also search for a San Diego home for sale by viewing current listings with detailed descriptions and photos here –> www.FreeSDHomeSearch.com . Or you can get help determining the value of your home by requesting a report that includes the prices of similar homes that recently sold or are currently for sale in beautiful San Diego.

“Helping You WIN In This Market”

Your friends and local real estate experts,

San Diego Realtors

Sandro, Oliver, Sam

The Home Team

Contact us today:

Oliver Graf – Direct: (760)237-8006
Sandro Natale – Direct: (949)290-2599
Sam Khorramian – Direct: (858)518-1533

Have a question? —>Contact or Email us direct <—

Big Block Realty
Always working hard for you!
www.BigBlockRealty.com
CA DRE #01885775

 

 

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How to Buy A Property – “I’m ready to Buy a Home… Now What?”

How to buy a property

So you are ready to make a move?

With prices still about 30% below average.  Now is the right time to buy real estate.  If you’re like us here in San Diego, the market is tight so you’ll want to consider these strategies to make the home buying process easy and smooth.

1) Stay Calm – Patience will go a long way.  Don’t spend more than you can really afford.  Buyers can get caught up in the hype, and that can sometimes put pressure on buyers to spend more than they anticipated.

2) Make Your Best Offer – When bidding on a home with multiple offers, you need to come to the table with your best foot forward.  Don’t be afraid to offer an increased deposit and ALWAYS make sure you submit your offer with a pre-approval letter from your mortgage lender and your proof of funds.  Pre-approvals are an absolute must and without them your home buyers offer will be much less likely to be accepted.

Keys3) Check Your Credit First – Before you set off to look at houses, discuss your credit report with your mortgage lender.  Small discrepancies on your credit report can mean the difference of thousands of dollars.  A little known secret is that a simple Open/Closed discrepancy can be fixed with minimal effort in less than 30 days.

4) Account For Assets –  Be prepared for a strict underwriting process.  Mortgage lenders need to see a consistent income.  They will want to know where your money is and how much you’re spending per month, including the things you’re spending your money on.  Don’t purchase a car or change jobs or do anything significant that affects your income while obtaining financing for a new home purchase.  Always ask your mortgage professional about the do’s and don’ts.

5) Offer A Large Down Payment –  The larger your down payment is, the better.  A down payment of 20% or greater is a plus and will not go unnoticed. The larger your down payment is, the less likely you will run into issues with financing.

6) Write A Nice Letter To Go With Your Offer – This is a great way to stand out from the competition.  Assuming all things are equal, sometimes a nice letter from the heart written directly to the sellers explaining why this home is a perfect fit for your family can go a long way.  Buying and selling real estate is an emotional experience.  Families grow attachments to their home and it makes sense that the sellers will want to see a nice new family they can relate to buy their home from them.

7) Find A Good Agent – An experienced real estate agent will bring you knowledge about the home buying process.  Good agent’s will also make the home buying process enjoyable and smooth for all parties. (We would gladly apply for the job)

For any and all your real estate needs, don’t hesitate to reach out to The Home Team.

Real Estate Experts Sandro Natale, Oliver Graf, Sam Khorramian

Your friends and local real estate experts,

Oliver, Sam, Sandro

The Home Team

Contact us anytime:

Oliver Graf – Direct: (760)237-8006
Sandro Natale – Direct: (949)290-2599
Sam Khorramian – Direct: (858)518-1533

Have a question? —>Contact us direct <—

Big Block Realty
Always working hard for you!
www.BigBlockRealty.com
CA DRE #01885775

BUYING OR SELLING?: Don’t forget our Free Home Search Tool.
Search the MLS anytime! http://www.FreeSDHomeSearch.com

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How To Buy A House – What Happens During The Home Buying Process?

How To Buy A House – What Happens During The Home Buying Process?

Having the right team behind you makes all the difference. san diego ca homes for sale

Purchasing a new home for sale is always an exciting time.  There are many important steps to follow when buying a home in San Diego.  These are the steps that your REAL ESTATE TEAM (your Real Estate Agent, lender, and the title and escrow company) will perform so that your transaction is successful.

Steps are in chronological order by days in a typical sale with 30 day escrow period.  Some steps occur simultaneously.

Day 1. Pre-approval and evaluation of your ­financing options [Lender].
Loan application form is completed [Lender].

Day 2 – 30. Choose a desired property,  present an offer and good-faith deposit [Real Estate Agent].

Day 31. Contract is reviewed with particular attention to the steps with specific dates [All team members].  If offer is accepted, the transaction is started and Title/Escrow is opened [Title and Escrow Company]

Day 32 – 35. Property inspections are ordered [Real Estate Agent].
Credit report and property value assessment are ordered [Lender].

Day 36 – 48. The preliminary title report is reviewed and sent to the lender and the Real Estate Agent [Title and Escrow Company].
The disclosure reports are delivered to the buyer [Real Estate Agent].
The preliminary title report is reviewed [All team members].
Buyer selects their desired loan [Lender].
Inspection contingencies are lifted [Real Estate Agent].
Loan contingencies are removed [Real Estate Agent].

Day 49 – 60. Final gathering of documents for loan approval [Lender].
Escrow ensures title report is free of errors and that in compliance [Title and Escrow Company].
Loan package is sent to the mortgage lender for ­final underwriter approval [Lender].
The Real Estate Agent gives fi­nal instructions for the closing [Real Estate Agent].
Escrow drafts instructions and get signed by all parties. [Title/Escrow].

Day 60 – 61.  All signed documents are returned to the lender [Title and Escrow Company].
Buyer and their Realtor does a Final walk through [Real Estate Agent].  The buyer deposits the funds balance in the escrow account [Title and Escrow Company]. Buyer and Seller exchange monies [Lender].
The deed is registered with the county [Title and Escrow company].
The transaction is closed and the keys are handed to the new owner with a smile! [Real Estate Agent]

That’s it!  We’re always happy to answer any questions.  And don’t forget our Free Home Search Tool.  Search for homes and condos for sale anytime!

Your friends and local real estate experts,

Oliver, Sam, Sandro

The Home Team

Contact us anytime:

Oliver Graf – Direct: (760)237-8006
Sandro Natale – Direct: (949)290-2599
Sam Khorramian – Direct: (858)518-1533

Have a question? —>Contact us direct <—

Big Block Realty
Always working hard for you!
CA DRE #01885775

BUYING OR SELLING?: Don’t forget our Free Home Search Tool.
Search the MLS anytime! http://www.FreeSDHomeSearch.com

Tags: , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,
Posted in FreeSDHomeSearch