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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How Much Home Should You Buy?
You may have heard a real estate Agent or someone else say, "Always buy the biggest home you can afford. It is a good investment and the larger the investment the larger the return on investment will be".
But is that good advice for you? Maybe, maybe not.
When deciding to buy a home the first thing you need to do is get a loan. Yes, get the loan before you shop for homes. The lender will give you a letter stating how the maximum amount they will lend you given your income, debts, and the amount of cash available for down payment and closing costs.
Now that you know the maximum amount you can borrow and what the monthly payment will be on that amount, ask yourself some questions about your "comfort level". We all have a different comfort level when it comes to debt.
Some things that affect each individuals comfort level are:
Do I worry a little or a lot about money I owe?
Am I comfortable that my job is secure and my income will be stable for the next few years?
Do I reasonably expect to have a considerably larger income in the near future?
Am I willing to change my lifestyle (travel less, eat out less often, keep our car for a few more years) in order to make a house payment?
Think about all of that and then decide what payment you are comfortable with. If it is the maximum amount the lender has stated, fine. But if it is less than that amount, then buy less home.
The new home should be a place of comfort, not a place to sit in and worry about how you are going to pay for it!
Besides, you can always "move up" later if you situation or comfort level changes.