From the search for home to the day you get the keys, I’m here to help you get your dream home.
Its super easy to contact Cliff, just click the message, call, or email button/link to get started
Its super easy to contact Cliff, just click the message, call, or email button/link to get started
Your house is too big, too old, or in the wrong location—or climate. You’re ready for fewer stairs, a more walkable community, access to outdoor recreation, a unique selection of cultural amenities—pick one or all. Is this you?
Now what? Do we sell, do we rent, do we stay?
To answer any or all of the above questions, you need to determine what are your plans for the future are. Is your present residence too large and you feel you would like to scale down? Do you plan to travel a lot and have no desire to continue to maintain a large residence? Perhaps a townhouse or a condominium is the answer.
If you sell your present home, do you desire to purchase another home or rent either a home or apartment? What are your tax consequences?
If you decide to sell, take a careful look at any deferred maintenance problems and how they will be remedied. A look at time frames needs to be addressed. – within 6 months, a year, two years?
I can help you navigate and explore the best options for your situation. Let’s meet and talk.
Even if you have purchased and sold many homes, wouldn’t some expertise help? I can help you determine the value on your present home is more that the “house down the street sold for $xxx, xxx”. I’ll offer a realistic approach as to what is the best listing price to market your present home, what you can realistically expect for marketing time and what is the competition from other homes currently on the market.
The real estate market changes quickly. Purchasing a new home is more than just finding that perfect house. Return on your investment and money in your pocket should be a large consideration.
“Run the numbers.” Your housing needs have changed, and your comfort level of mortgage payment may have changed. You may want to travel more, put more of your funds into retirement funds, increase expendable dollars or increase the percentage of your income for housing. You may want to explore a bridge loan to buy your next home and pay it off with the proceeds of your current home. I can help you move on your terms getting you the right home at the right price.
Determine a geographical area that suits your needs for commute time, proximity to shopping, schools and recreation. Decide whether a townhouse, condo or single-family detached property fits your lifestyle. What amenities would you like to see in your new home –number of bedrooms, number of baths, garage, fireplace, garden tub, square footage, size of lot, etc.
I’ll help you make a checklist for the right home. Relocating out of the area? I can help you find a great agent to help you buy out of state too.
Even the savviest homeowner can use the help and expertise of a good agent making what is more often the last home they will buy. I’m a hyper local agent in South Placer and have over 15 years of experience that matters when it comes to making the best decision for your situation. Please reach out to me and let me earn your business and trust.
Home are sold in all markets. Long term ownership of homes has always been financially beneficial. The current market is changing with sellers no longer receiving multiple offers and with terms that most buyers found challenging. The rates for home loans at 20 year record highs. If you feel comfortable about your current finances and want to own a home, for the first time in years the terms and conditions are favoring buyers. Use the changing market to your advantage for owning a home.
I spend almost half my time buying homes and know how it works to make an offers appealing to the seller especially in this changing market. Even in a market that is changing, sellers have more motivation than just the price to sell. Understanding the market for seller’s and understanding seller’s motivations and needs for you to be in the running to get the home you want is based on over 18 years of home buying.
Together we will understand your wants and need for home— Need to move for a job? Want a shorter commute? Getting married? Having a baby? Need to upgrade or downsize? At this stage in the process, I’ll send you notifications about the listings that you’re most likely to be excited about as soon as they are listed/for sale. You then can let me know if one (or more) jumps out at you so that we can take the next step and schedule a viewing.
Local real estate agents are moving quickly to provide online and virtual platforms so buyers can better view homes. Now most online listings are providing virtual tours, 3D walkthroughs, picture galleries, virtual open houses, seller videos, etc. in addition to the usual property details and descriptions and a few pictures.
Once you find a home you want to view in-person or virtually. Contact me and we will get it scheduled.
Good homes sell quickly but there are fewer buyers right now. When we find your dream home you want to buy, we still need to make your offer more appealing to the seller than other offers they may receive. As I mentioned before there is more than price but often terms that make your offer stand out. My goal is to “sell” you and the offer you made to purchase as the best buyer to the seller and listing agent.
Once the offer has been accepted. The home is pending. Here are some but all of the next steps to buy the home. We need to get Seller disclosures, any reports and disclosures to complete the purchase, perform any buyer’s investigations, complete the financing, etc.
Once all the contractual contingencies are met we will be able to complete the sale of the house. This is called the “Close of Escrow.” You will be signing documents to take ownership of the home according to the purchase agreement.
Escrow companies are providing a safe process for the signing of all document related to completing the purchase. These documents that can be electronically signed will be done so. Any documents requiring an in-person signature will de done using safe practices at the title company. There are mobile notaries that can also provide signing services.
Buying a home for the first time is not hard or complicated. What matter is finding the right agent to help guide you through the process. Let’s chat and meet to discuss how I can help you buy that first home faster and without the drama. Check out the buyer’s guide I’ve put together for buying your first home.
Step 1 Take a Hard Look at Your Finances and Establish a Budget:
Determine your current expenses and income. In addition to obvious items like rent, utilities, loan payments don’t forget to include the miscellaneous like haircuts, eating out, dry-cleaning, fuel for vehicles and any other expenses you usually incur during the course of a month. Also add in the possible new expenses of owning a home such as lawn maintenance, cost of water for watering trees, shrubs and lawn, Homeowner Association dues and increased utility costs. I can recommend a lender who works with first time buyers who can help you with this.
Step 2 Ask for help finding a lender or ask me for a recommendation
No one should “google” a lender for buying their first home. Ask family or friends for a recommendation. I can also help you out with a recommendation. The next step is to meet with your lender to “Run the numbers.” The lender will help determine what your comfort level is on how much payment for a mortgage each month. The lender should be able to make recommendations about which loans are best for your buying situation too. Once a loan and monthly payment is determined, the lender will also figure out down payment and closing costs too. When your finished you should have a pre-approval to share and give me to buy your home. In a seller’s market we need a pre-approval to be successful with an offer
A pre-approval will place you in a stronger negotiating position when you place an offer on a property. You are letting the sellers know that you are serious and that you can afford that dream house. In addition, by having secured financing, the time period from offer to closing can be shortened.
Step 3 When Do I Need Money?
Your earnest money check will accompany your Purchase Offer Contract (normally 1% of the offering price). At the time of loan application, your lender will usually require some funds to be collected for the appraisal and credit report (approximately $400). In the case of new construction, the builder will require anywhere from 50% to 100% of the upgrade costs to be paid at the time the upgrade is selected.
When the mechanical/structural inspection (home inspection) is completed, the inspector will require payment (approximately $350). All other monies (including down payment, termite inspection, proration of taxes and others) will be collected at closing.
Step 4 Setting Up the Search for Home
Determine a geographical area that suits your needs for commute time, proximity to shopping, schools and recreation. Decide whether a townhouse, condo or a single-family home fits your lifestyle. Determine amenities you would like to have in your new home – number of bedrooms, number of baths, garage, fireplace, garden tub, square footage, size of lot, fenced yard, one story or multi-story.
Step 5 Making an Offer, and Completing the Purchase
Once we find the right home, we will make an offer quickly. We will make our best offer to win the home. Once we are in contract, I will work closely with your lender to make sure the home can be financed. I will work closely with you to get seller disclosures and reports, schedule and perform inspections on your behalf, and negotiate any issues that occur during the escrow. If everything is acceptable to you, and there is no issue with the financing we will typically close within 30 days of the offer being accepted.
Step 6 Close of Escrow and Moving
Approximately after 21 days in contract we should be getting loan documents and going to the escrow company to sign documents in the next week or so. I will accompany you to the signing to make sure everything is correct to the purchase contract, and to help answer any last-minute concerns. You most likely will be moving after the home is recorded into your name. I will contact the listing agent and make sure the owner transfers important information about the home (utilities, ongoing maintenance, service contracts, etc.). I will also deliver the keys to your new home as well after the deed is transferred to you and the contract says you can take possession. Congratulations you’ve bought your first home!
Buyers are facing an uphill battle to buy a home in this current market. Having a plan to succeed is critical and knowing what to do to create an offer that makes you the early favorite in the current multiple offer market.
Its really important to understand that the best offer is a combination of things and not necessarily the highest price. Also your offer can be amended after its is sent to make it more appealing as you understand more about what the seller needs to sell are.
Making an Winning Offer: What is effective and works
One Last Thought
A winning offer is more than the price. More importantly make sure you have an agent who will aggressively sell you as the best buyer and is equally focused on helping buyers as well as sellers.
Whether it be that you need or desire a larger home, or you would like more amenities, or your commute time needs to be adjusted, there are decisions that affect your current home where I can help. Should you be putting your home on the market and selling it or opt for keeping it and renting it out. What are your options and how we can make it happen is something you can explore with me. But let’s assume the plan is to sell your home, what do you need to do?
Step 1 Call me to determine the market value of your present home
Online home values are a good baseline, but they are not taking into the account the beauty, quality, and condition of your home. I can help adjust the value of the home based upon the demand, the condition of your home, the upgrades and improvements you’ve made. I will start with a comparison of online and MLS data plus make adjustment based upon the market to sell your home in 30 days.
Step 2 Determine the best options to purchase the Move-Up Home
I recommend using your current lender or financial advisor to see the best option to finance and purchase the “move-up” home. Running the numbers whether it makes sense to “sell and buy” another home. You might be able to keep your current home and purchase the move-up. Either way you should talk to the people you rely on for guidance to make the decision. There are many scenarios that need to be explored and discussed once you know the market value of your current home.
Step 3 Search for the Right Move-Up Home
Discuss the criteria for the move-up and start browsing and viewing homes. Depending on your situation and plans, you should be previewing and looking at real estate to make sure the move-up home is out there. Market conditions dictate how you can make an offer and if a contingent offer to sell your home is possible. In a hot seller’s market, it’s completely doable to list, sell, and buy a home. It’s not difficult, it’s the teamwork on all sides to get it done which believe it or not happens quite often. Previewing homes before listing to sell your home, and finding the move-up is a lot less stressful if you think the move-up home is available to own.
Buying a move-up home isn’t difficult, the larger homes in general are not the “hottest” part of a seller’s market. There is often more inventory in a seller’s market for a larger home because these homes typically are in a higher price range with fewer buyers. You might be surprised to find that you even in a ‘seller’s market” can negotiate on your move-up home where selling your current home will often sell quickly with multiple offers. Please reach out to me to discuss your plans for buying a move-up home.