You deserve an agent who has taken the time and effort to learn what you really want and how to work for YOUR interests as a home buyer.
As a Buyers Agent with the ABR, CRS, and GRI designations I am a specialist in representing home buyers in all phases of the transaction. My specialized knowledge and expertise in assisting home buyers will insure that you are getting the best Agent possible!
As a home buyer you have a lot of questions, and you need straightforward, accurate answers provided by an expert who will LISTEN to you, and who will protect YOUR interests.
As a Buyer's Agent, my first priority is to get to know you. I cannot give you what you want unless I learn what your wants, needs, and dreams are. I ask a lot of questions. I am dedicated to making YOU happy with your real estate purchase.
Our counseling sessions are not just about property. By the time we are done, I will know about your wants, needs, jobs, children, pets, dreams, fears and goals, as well as how prepared your are to buy a home.
I will help you determine what you need at the moment and I will learn how I can best help you in reaching that goal. Just as every home is unique, so are the needs of each individual. Some common concerns are "I need to live close to a hospital", "I need additional information on schools in the area", "I need to know for sure that you will stay in my price range", "I would like some addresses of houses to drive by and look at", or even "I just need someone to hold my hand, because this stuff is scary!"
Whatever concerns you have you will be addressed, and together we will search for a solution.
ABR (Accredited Buyer Representative) assures you that I have the specialized buyer representation training needed to help you find the right home.
CRS (Certified Residential Specialist) and GRI (Graduate, Realtor Institute) means I am committed to being the very best agent I can be. (Less than 5% of Realtors have earned the GRI designation but these same agents participate in 25% of the real estate transactions.)
Serving home buyers in:
Campbell, Cupertino, Fremont, Gilroy, Los Gatos, Los Altos, Milpitas, Monte Sereno, Morgan Hill, Mountain View, Palo Alto, San Jose, San Martin, Santa Clara, Saratoga, Silicon Valley, Sunnyvale, California
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Reasons To Get A Home Loan Before You Start Shopping For A Home
You do NOT have to have a home under contract to obtain a home loan. The lender is looking at your credit history and income when considering a loan application.
Some potential home buyers think they will have no problem qualifying for a loan only to be disappointed when they find out they don't. Others may afraid they won't qualify so they don't apply. We often see people who don't think they qualify for a home loan but don't know that many lenders offer loan programs for all types of borrowers.
Avoid disappointment resulting from looking at homes that are out of your price range. Looking at homes in a price range you can afford will keep you from being disappointed if you fall in love with a home only to find out that it is beyond your financial abilities.
Insure that you will meet your moving dead line. Knowing you must move by a certain date and still working on proving you are qualified for a loan can be a stressful experience. The two most common problems are resolving credit issues and proving you have the cash for your down payment and closing costs.
Applying for a loan as soon as possible will insure that any incorrect information in your credit history can be corrected before the closing date. It often takes 60 days or more to have information corrected in your credit files.
Having a Loan Commitment in your hand is like being a cash buyer. Every seller wants to work with cash buyers. It gives you leverage when presenting an offer and negotiating a counter offer. It will insure that the closing process goes smoothly when you do find your new home. Do not mistake a Loan Commitment with a pre-approval or pre-qualification, a pre-approval does not carry much weight with a seller since a pre-approval is only a cursory look at your credit history.
Applying for a home loan online can be a real convenience. You can apply for a mortgage online 24 hours a day 7 days a week. You can apply from your home, office, local library or any location that offers Internet access. No need to take time off work or away from play. Avoids feeling pressured by sitting in a lenders office and allows you ample time to collect all the necessary information.
Be sure you check the rates and fees for several lenders before you decide which one to use. Compare the lender fees, not just the interest rate. Ask each lender to provide you with a "Good Faith Estimate" of closing costs and carefully review it. If you see a fee you don't understand ask the lender to provide a clear explanation of the item. Then ask your real estate Agent to review the Good Faith Estimate. Being more familiar with the forms the Agent can spot any hidden "junk" fees.