How to become a smart Buyer!

Shop Smarter... Not Harder.

-Use our expertise to maximize your time, money and to ensure a smooth transaction.

-Don't waste your Sundays aimlessly looking at open houses.

-Establish a close relationship with our knowledgeable team.

-We will organize a property tour appropriate to your goals.

-Arrange financing with a competent professional loan broker.

-Obtain loan pre-approval by a qualified lender.

-Making an offer requires knowledge and experience.

-Time is of the essence!

-We will answer all of your questions about the escrow process--

Sound Familiar?

• How much should I offer to pay?
• What happens to my deposit check?
• How does the seller prove clear ownership?
• What conditions do I need to place in my offer to protect myself?
• How do I decipher disclosure statements and inspection reports?
• What additional personal property is included in my offer?
• What special provisions should be in my offer to protect me?
• When should I close escrow?
• What are my closing costs?
• What are the loan, title and escrow fees?
• How much cash do I need to close this sale?
• Do I get any warranties?
• How do I handle the property taxes?
• When do I get the keys?
• What condition should I expect to receive the home when I get possession?
  

We Love To Give The New Eichler Book
EICHLER--MODERISM REBUILDS THE AMERICAN DREAM
As a move in gift to our clients.

The purchase of your home is important and exciting...  
Your first step is the
most important!...

Team with an
LVPMARIN REALTOR®

Your FICO Score

Do you know the secret to remove negative items on your Report?
We do...
Do you know what credit cards pull down your FICO score?
We do...
Do you know how important it is to have a great FICO score?
We do...

www.mycreditscore.com - great credit score and resource website.

Currently your goal is to have a FICO score of not less than 721, a magic number that will provide the lowest rate available and quickest approvals.

YOUR FICO IS USED TO:

-Calculates risk to lender for repayment of debt.
-Credit scoring method used nationwide.
-Started in 1956 by two gentlemen named Mr. Fair and Mr. Isaac.
-Statistical analysis to evaluate consumer risk to credit companies.

All industries use this to determine risk and cost to consumer such as medical insurance, car insurance, mortgage insurance etc.

These companies can pull your credit without you knowing – ok by federal law- and it will not show on your credit report.

Benefits of learning how to manage your credit rating

-Lower rate to borrow money
-Lower rate on other insurances
-Increased credit lines

Credit reports

3 million pulled daily with 70% error.
Agencies- These companies do not share information between themselves.
Equifax (EQ)--Georgia--OK
Experian (XPN)--Texas--Best
Transunion (TU)--Los Angeles--Worst
Check to see if their information is complete and accurate