For buyers, my primary objective is to find you a home of your dreams at the best possible price:

My service commitment to buyers is as follows, I will:

• provide my professional services at no charge to you
• communicate responsibly and honestly
• preview properties and know what is available
• utilize the Multiple Listing Service (MLS) to find available properties for you
• perform a comprehensive search of properties within your price range
• show you properties that match your requirements
• assist you in pre-qualifying and assist in arranging financing
• review and counsel you on the offer/counter offer process
• explain pertinent real estate documents in advance of any transaction
• protect your interests with a binding contract
• present your offer and negotiate the best possible terms
• provide an estimate of your closing costs
• explain and arrange for a home warranty policy, if desired
• coordinate necessary inspections such as termite, contractors, roof, etc.
• oversee all paperwork throughout the transaction, the escrow and after closing.

I will guide you through the 12 phases of purchasing a home. The 12 phases are as follows:

1. Getting Started - We will work closely together to find the right home for you. We will spend time discussing the requirements that you have in a home.

2. Evaluate your financial needs and resources - Once we establish what type of property that you are looking for, I will provide guidance to financial institutions where you can obtain the best financing available.

3. Identify properties in which you are interested. - I will show you homes based on the criteria that we establish. The more precise and direct you are with me, the more successful our search will be.

4. Determine the seller's motivation - Once we have found the home you wish to purchase, I will do all the necessary research to help you structure an effective offer.

5. Write an offer to purchase - I will draft the purchase agreement for you, advising you in protective contingencies, customary practices, and local regulations. At that time, you will need to provide an 'earnest money' deposit, usually 3 percent of the purchase price. (This deposit is not placed in escrow until your offer has been accepted be the seller.)

6. Present the offer - I will present your offer to the seller and the seller's agent. The seller has three options: they can accept your offer, reject your offer, or make a counter offer. My personal knowledge of your needs and qualifications will enable me to represent you in the best way possible.

7. Evaluate the seller's response - I will review the seller's response with you. My negotiating skills and knowledge will benefit you in reaching a final agreement.

8. Open the escrow - When the purchase agreement is accepted and signed by all parties, I will open escrow for you. At that time, your earnest money will be deposited. The escrow or title company will receive, hold, and disburse all funds associated with your transaction.

9. Contingency periods - This period is the time allowed in 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 Residential Building Report(3R)
Approval of the Preliminary Title Report
Loan approval, including an appraisal of the property
Physical inspections of the property
Pest inspection

10. Obtaining homeowner's insurance - I will coordinate between your insurance agent and the title officer to make sure a policy is in effect at close of escrow.

11. Down payment funds - You will need a cashier's check or money transfer several days prior to the closing date of escrow. I will coordinate the money transfer with you.

12. Close of escrow - When all of the conditions of the purchase agreement have been met, you will sign your loan documents and closing papers. You will deposit the balance of the purchase price. The deed will be recorded at the County Recorder' office, and you will take ownership of your home.