Serving Sonoma County Since 1991
Representing only one side ... your side.
Buying a piece of real estate, whether it will be your home, an investment property or a vacation home is one of the biggest purchases most people will ever make. It is probably the most expensive item you will ever buy and the process of buying a house can be simple or it can be very complex. And often you won’t know which until you get to the end of the lengthy process. FAQ’s Getting information about available properties What’s it worth (valuing property)? Inspecting property Who pays for what? How buyers are protected Closing the deal What happens when – the timeline of buying a home What happens if I find a problem during inspections? Tips for buyers in a sellers’ market Is now a good time to buy? What to look for in a new home New homes vs. existing homes Special issues with fixer upper’s How to choose the right agent Getting information about available properties This sounds like it should be easier than it is. The difficulty of getting information about available homes is a common complaint of home buyers. There are several problems: 1. Most printed material is dated by the time it hits the…
The Buying Process
Real estate transactions are often counted as the largest financial transactions many of us will ever be involved in. When selling real estate most sellers endeavor to get the absolute most money for their property that the market will support. While getting the most for your investment is critical, there are also many other important aspects to be alert to when selling real estate including: • Ensuring you are protected in the event of buyer default • Making all the appropriate disclosures to potential buyers • Marketing your property to get the most exposure To learn how the entire selling process works Click here.
The Selling Process
Valuing Your Home
FAQ’s about mortgages Rate Locks Pre-qualification vs. Pre-approval Why be pre-approved for a mortgage? What does it takes to qualify for a mortgage? What happens in the dark hole of loan approval? What about credit scores? What if my credit is not perfect? How to get the best interest rate? Five common mistakes to avoid when applying for a loan Understanding closing costs Rate locks “Locking in” an interest rate simply means a lender has committed to provide you a certain rates for a certain length of time. Beware – unless you have made arrangement with a lender to lock the rate, it is likely that any rate quote you have received is that day’s rate, but it is not committed or locked. Be sure to ask your lender about rate locks and how they work for you. Locking a rate is a way of transferring the risk of market fluctuations from a borrower to the lender. Lenders typically expect you to complete the loan transaction within the lock period. While you are protected in the event market rates rise, you are likewise prevented from obtaining a lower rate if the market declines. A typical loan rate lock period is…
The Loan Process
At Landmark Properties, we practice single agency. This is a critical distinction that sets us apart from our competition. Single agency means we will never represent both a seller and a buyer in the same transaction. Although this may mean less money in our pocket, it also means no conflict of interest to our clients. We believe our relationships with our clients are more important than the bottom line. We seek to serve real estate sellers and buyers by providing valuable real estate and mortgage brokerage services to our clients. It is only by adding value to the transaction that we can serve our clients. The best interests of our clients always come first. In addition, we seek to build a reputation, based on actual practice, of being a high quality provider of services, and an ethical and professional member of the real estate and business community. We will always treat others we come in contact with courteously, honestly and with respect. Testimonials “Betty knows Sonoma County like the back of her hand. So, when I was looking for an investment property, she helped me find the right location to meet my objectives. As a result, they’ve always been easy…
6 Preliminary Title Reports
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