1. Select a REALTOR® / establish a relationship.
I am a full time, professional REALTOR® with extensive market and loan knowledge. I will work closely with you to find the right home at the best value.

2. Loan Pre-approval: Become the same as a cash buyer!
We will discuss your needs and analyze your resources. Once we establish your needs and budget, I can provide guidance to financial institutions where you can obtain the best financing available. I will assist you in the mortgage pre-approval process so you have the most leverage possible in the buying process. I will also provide you will a list of lender requirements so you can gather your paperwork in advance to assure a timely loan closing. Click on the Financing button above for more information on getting pre-approved.

3. Identify property to buy.
I will show you homes based upon the criteria and budget that you establish. The more precise and direct you are with me, the more successful your search will be. What is on your wish list? Have you considered which neighborhoods you would like to look in? Once you beginning looking at homes your wish list may change to include new items or delete items you can do without.

4. Write offer to purchase.
Once you have found the home that you wish to purchase, I will do the necessary research to help you structure an effective offer. I will advise you on protective contingencies, customary practices, and local regulations. At this time you will need to provide an "earnest money" deposit, usually from 1 to 3% of the purchase price (the deposit is not cashed until your offer has been accepted by the Seller). The deposit will be held in escrow and credited towards your down payment and/or closing costs. There are several provisions in the purchase agreement that protect your money incase of cancellation.

5. Presentation of offer and Seller's response.
I will present your offer, your loan pre-approval certificate, and a cover letter to the Seller and the Seller's agent. The Seller has three options: they can accept your offer, counter your offer, or reject you offer. If the seller has multiple offers they may only present a counter offer to one person and reject all other offers. My personal knowledge of your needs and qualifications will enable me to represent you in the best way possible.
I will review the Seller's situation with you and help negotiate an offer that will benefit you in reaching a final agreement.

6. Open escrow.
When the Purchase Agreement is accepted and signed by all parties, I will open escrow for you. At this time your earnest money will be deposited. The escrow or title company will receive, hold and disburse all funds associated with your transaction. I will inform you of all affiliates that will be assisting you in the transaction and I will be with you every step of the way to insure a smooth transaction from start to finish.

What Are All Those Forms and Why Does The Escrow Need Them?
Escrow: A neutral depository of funds and documents to be distributed by Escrow Holder in accordance with mutual written instructions from the Buyer and Seller.
Statement of Information: Provides specific information from the parties to aid the title company in eliminating tax liens and judgments against parties with similar names.
Preliminary Change of Ownership: Section 480.3 of the revenue & taxation code requires all deeds be recorded with a report indicating the purpose of the deed being recorded.
Buyers Vesting: The deed being recorded must show the manner in which the buyers are taking title.

7. Contingency period.
This is the time allowed per your purchase Agreement to obtain financing, perform inspections, and satisfy any other contingencies to which your purchase is subject. Typical contingencies include:
• Approval of the Seller's Transfer Disclosure Statement
• Approval of the Preliminary Report from the Title Company
• Loan approval, including an appraisal of the property
• Professional Physical Inspection of the property and request for repairs (if applicable)
•Pest inspection and certification

8. Close escrow.
When all of the conditions of the Purchase Agreement have been met, you will sign your loan documents and closing papers a few days before the actual closing date. 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.