We understand that real estate is not your life, it’s ours. To most homeowners, real estate means a place to call home. Let us help you focus on what matters most—family, friendship, and community.
Buying a home should be fun and exciting yet the uncertainty of the process and the magnitude of the investment can be daunting.
That’s where we help. Few if any agents are as diligent in helping you understand the entire home buying process. Finding a home you like is the easy part—getting the home you want can be a challenge. From getting a loan, to negotiations, inspections and escrow follow-through our detailed team will assist you in understanding and even enjoying the entire process.
We’ve created a special Personal Vallet℠ level service for buyers which enables our buyers to secure homes before they hit the market. That’s right, imagine finding a home before anyone else, and actually being able to purchase it!
Contact us using the form below to schedule a short phone conversation to see if our Personal Vallet℠ services are right for you.
A few things you should know:
- We’ve successfully negotiated hundreds of contracts
- We’re never in a hurry unless you are
- We explain the entire buying process and guide you through every aspect of your transaction
- We tell you if we don’t like a home and if we’d buy it ourselves—we never want to resell a home we don’t like and we always want our clients to be happy
- We know home values in our area and we can assist you in making a good decision
- We understand real estate and the execution of our fiduciary duty to put our client’s best interests first and foremost above all else
- We have FIVE STAR reviews on Zillow and Trulia by happy past clients
Read our blog at Beautiful Mountain Blog (also available from our drop-down tab on our home page), where we post a treasure trove of tips for buyers in our competitive market—like this post we did on winning multiple offers.
Home ownership is by far the greatest American Dream. In fact, recent studies show that 40% of all home buyers are first-time buyers. If you’re still deciding whether home ownership is right for you, consider the following, and when you’re ready, we’ll be here to help you make the best decision for your future.
Only you can decide if homeownership is right for you. There are many benefits, not the least of which is owning a piece of the American dream. But there are risks too. Although home ownership remains a good hedge against inflation, everybody’s situation is different and needs to be examined closely. Thanks to plans which are now available to protect your investment much of the risk can be mitigated; nevertheless we strongly encourage you to weigh your goals and personal finances, job stability etc. before deciding to buy a home.
That’s where our experience will help. We’ll walk you through the benefits and risks involved in owning a home and we’ll be the first to tell you if you’d be better off renting or at least postponing your investment.
One of the first steps is to see if you qualify for one of the Buyer assistance programs in the city where you’d like to live.
And there are other city specific buyer assistance programs. Though often they contain income limit restrictions, you might just find out that home ownership is closer than you imagined. For example, this is a link to what the city of San Mateo offers.
For more information on how to go about selecting an agent to work with what’s involved in the process of buying a home, we’ve authored a short ebook which we will send to you free of charge just for contacting us.
We’ve provided these links and organized them to enable you to find out approximate school boundaries, compare schools or contact a school directly.
Chances are if you are reading this you are considering buying a home. Naturally, you’ll have a lot of questions such as how much house can I afford? Getting pre-approved for a loan gives you the information you need to move forward; and once we find you the perfect home, you won’t have to worry about qualifying for the purchase.
The decision of whether to use a mortgage broker or a direct lender to finance a home depends on your specific needs and preferences. Both options have their advantages and considerations. Here’s an overview of each:
- Mortgage Broker: A mortgage broker acts as an intermediary between borrowers and multiple lenders. They work with various lending institutions to find loan options that suit your needs. Here are some potential benefits of using a mortgage broker:
- Access to Multiple Lenders: Brokers have relationships with multiple lenders, which can provide you with a wider range of loan options. They can shop around on your behalf to find competitive rates and terms.
- Knowledge and Expertise: Mortgage brokers specialize in the mortgage industry and have a deep understanding of loan programs, requirements, and market conditions. They can guide you through the process and help you navigate complex situations.
- Time and Effort: Brokers handle the legwork of gathering and comparing loan offers, potentially saving you time and effort in researching lenders individually.
- Customized Solutions: Brokers can assess your specific financial situation and goals to recommend loan options that best fit your needs.
- Direct Lender: A direct lender is a financial institution (such as a bank, credit union, or online lender) that provides mortgage loans directly to borrowers. Some benefits of working with a direct lender include:
- Established Relationship: If you have an existing banking relationship with a direct lender, they may offer special incentives or benefits to their existing customers.
- Streamlined Process: Working directly with a lender can provide a more streamlined and efficient process, as there are no intermediaries involved.
- Potential Cost Savings: By eliminating the broker’s commission, direct lenders may offer slightly lower fees or rates, but shopping around for rates and fees is advised.
When deciding between a mortgage broker and a direct lender, consider factors such as your creditworthiness, the complexity of your financial situation, the level of support and guidance you require, and the loan products and rates available from each option. It’s advisable to research and compare multiple lenders or brokers, ask for referrals, read reviews, and carefully evaluate their expertise, reputation, and loan offerings before making a decision.
Our relationships with both direct lenders and mortgage brokers are longstanding, and we collaborate with them without any form of compensation or favoritism. We refer lenders solely based on the fact that they have proven themselves to be reliable and trustworthy, earning their place in our esteemed network of affiliates.
Contact us today, and we’ll share our resources with you.
Don’t leave your next transaction up to chance. CALL TODAY! (650) 508-1441
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