Saratoga Home Buyers
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My Promise to Saratoga Home Buyers

The long and winding road that leads to the door of your new home in Saratoga can be confusing and exhausting. It helps to know you are not alone and that you have, at your disposal, my professional expertise. I promise you I will do the following:

• Educate you through the entire process
• Listen to your needs to understand your Saratoga real estate objectives
• Help you understand all of the paperwork
• Handle any problems that arise during the transaction
• Properly prepare forms, contracts and disclosures, which are required by law, and make sure that they are legally correct
• Provide comparable sales data to assure that you are paying the proper price for your home
• Help you find the right home in the right neighborhood
• Screen homes before your inspection to make sure the property meets your needs
• Guide you regarding the repairs that should be made
• Show you homes in an effective and professional manner
• Guide you in your selection of escrow/closing and title people
• Oversee the closing process
• See that the completion of the transaction is smooth, including obtaining keys and taking possession of the property
• Help you spot sellers who are attempting to take advantage of you
• Help you understand the use and limitations of good faith deposits
• Advise you as to when you should seek the advice of an attorney
• Make sure the appraisal process is handled properly
• Help you to understand the complete loan, escrow/closing and title process
• Advise you as to any inspections such as septic, well or soil, which might be applicable to the specific property in which you are interested
• Guide you as to how the escrow/closing instructions should be prepared
• Properly handle the walk-through process with you prior to the final closing
• See that any repairs or requirements are met prior to the closing
• Advise you as to what course of action should be taken if the seller refuses to close the transaction
• Negotiate and deal effectively on your behalf with the seller, other agents, escrow/closing, title people and attorneys
• See that each and every facet of the buying process is effectively and professionally handled in your best interest.

Contact us for more info on California home buyers agents..
  Finding a Saratoga Realtor


   My Promise
  Benefits of a Buyer's Agent

Buying a Saratoga Home


  Should You Own
  Stop Paying Rent
  Ways to Save Buying Your Home
  Ways to Hold Title
  First Home
  Getting Prepared
  First Time Buyers
  Renting vs. Owning
  How Much Do I Need?
  What Can I Afford?
  Income vs. Debt Ratios
  Estimate Your Buying Power
  Understanding Credit Scores
  Examining Credit History
  Getting Pre-Approved
  Ways To Save

Finding A Property


  Ready To Find A Property?
   Online Property Search
  Identify Your Points Of Interest
  Visiting Saratoga Open Homes
  Property Checklist
  Other Considerations

Making an Offer


  Basics Of Making An Offer
  Purchase Agreement
  What You Need To Know
  Negotiating
  How Much Should I Offer?

Finding a Home Loan


  What Is A Mortgage?
  Typical Mortgage Providers
  Choosing A Mortgage
  Fixed Rate Mortgages
  Adjustable Rate Mortgages
  Common Questions
  Loan Applications
  Loan Application Checklist
  The Underwriter
   Included In My Mortgage Payments?
  Your Rights As A Consumer

Closing The Deal


  What Is Escrow?
  The Sale Process
  Your Responsibilities
  Disclosures 101
  Ways to Hold Title
  The Loan Process
  Closing Costs
  Who Pays What?
  The Escrow Process
  Property Tax and Saratoga Tax Calendar

Misc


  Understanding Foreclosure
  Secrets Lenders Don't Want You To Know