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N O R T H E R N C A L I F O R N I A YOUR BUYER'S GUIDE
Bay Area Buyer’s Guide
100+ $300k - $3M PRICE POINT RANGE TRANSACTIONS CLOSED A passionate real estate team delivering a modern client experience. Agents in the industry recognize that my team and I are reliable and can get the job done and they, in turn, appreciate working with us. When a regular solo traditional agent closes a certain amount in their market, we close two to three times more. Our market is so competitive that clients need the most expertise possible at their side. And why would you want anything less when it's the biggest purchase you will ever make? People I talk with may think I am pulling their leg when I tell them how great I think our team is, but I hope they know we are trying to do our best by them. It is a place that fits perfectly the way I want to do business and the business philosophy I hold. 10+ YEARS IN BUSINESS
Hire Us. Our team comprises of multiple agents across many Bay Area counties and we network together in order to stay up to date on market trends as well as sales opportunities for both our buyers as well as sellers we work with to list their homes. Many people are transitioning all across The Bay for work or personal reasons and our team is able to provide resources and opportunities.
GRANT INABA Northern California is one of the most desirable real estate markets, and I know that navigating the buying process can seem challenging. However, with my expertise, breadth of knowledge, and national network, you are in dedicated and trustworthy hands. I will guide and advise you during every step of the buying process. How I support buyers: Provide real-time market insights Use my knowledge of on and off market listings to find homes that meet your criteria Share local expertise and tours of the area Help build your "buyers team" by connecting you with trusted financing organizations, vendors, etc In a competitive market, I can help get your offer accepted Let me show you why I'm the right agent for you. BAY AREA Areas Serviced Santa Clara County Alameda County Contra Costa County Solano County What you get when you work with me Over 10 years in the business. $775,000 Average Deal Size in 2021 Member of a 6 agent team grossing over $1,000,0000 average monthly. Real Time Market Insights and Knowledge Locating on and off market opportunities Local expertise on the ground insight Help you build a “buyers team” with dedicated lenders, showing assistants, and vetted title officers. Getting your offer accepted in a competitive market. I have assisted numerous first time home buyers. *Source/disclaimer for agent and market report stats
Featured Sales 109 Bexley Place, Walnut Creek, CA 5248 Lawton Avenue, Oakland, CA 710 Tonstad Place, Pleasant Hill, CA 110 Park Road, Unit 102, Burlingame, CA $1,200,000 4 Bed 2.5 Bath $1,530,000 $1,260,000 4 Bed 3 Bath $1,375,000 2 Bed 2.5 Bath 4 Bed 2.5 Bath Sold Sold Closed Sold
What People Are Saying About Us " ★★★★★ "As a first time homebuyer, Grant made the process such a pleasure. He was very knowledgeable about the local areas, home repair costs, and what to expect as a homeowner. I would recommend Grant to anyone! - S&S 04/09/2017 ★★★★★ "As a lender, I've referred many clients to Grant. He has successfully gotten every single client into a home they love. He communicated extremely well with my clients. I would recommend Grant any day. - Heather Headley, NMLS #247345 American Pacific Mortgage 6/14/2018 ★★★★★ It has been a delight to work with Grant. He has been very responsive, professional and courteous. He has been like a friend and we are so happy to have found our new home. Definitely will reach out to him again in the near future! And will be recommending him to my family and friends. - huslenation 7/22/2020 ★★★★★ Grant is an excellent agent who clearly puts his clients first and foremost. He was patient through the showing process (I had a long list of questions and requested multiple visits due to the property’s permit non-compliance situation) and was delicate in educating us about the EXTREMELY HOT East Bay market. He was thorough in his comp analysis, gave us just enough advice without being pushy, and continued to be supportive despite us not being able to meet a higher offer price. He poured considerable efforts into painting us as the preferred buyer nonetheless, and although we came in the middle among 20+ offers, I have no doubt Grant did everything he could to push our offer in front of the seller’s agent. His tenacity and integrity are what makes him stand apart from other buyer agents and I recommend him wholeheartedly. - FaiWeiner 3/16/2021
San Francisco Bay Area Intro Before you start 1.What is your price range? 2.What type of property are you looking for? (single-family home, condo, TIC) 3.Do you have any preferred neighborhoods? 4.Do you have pets? 5.Do you have children? 6.Is proximity to public transportation an important factor? 7.What amenities are most important to you? (parking, yard, etc.) The San Francisco Bay Area is one of the most desirable real estate markets in the world, and we understand that navigating the property buying process can seem challenging. However, with the expertise and breadth of knowledge of your Compass agent, you are in trusted hands. We will guide and advise you during every step of the buying process to VO_l |dt bM sVO lOoTOKs VdaO sVBs sp |dto bOOMpÛ JtMUOsÛ BbM _WTOps|_Oà
San Francisco Bay Area BUYING PROCESS 3 Visit Properties Attend viewings and open houses spanning a range of areas and property types. Now is the time to consider your ideal location and amenities. Ask your agent about off- market opportunities. 1 Initial Consultation Reach out to your agent, define your priorities and time-frame. They will work as your advocates and trusted advisors to help guide your search. How to Buy a Home: 2 Get Pre- Approved Before beginning your search, your first step is to get pre-approved for a mortgage loan (unless you will be paying in cash for the full price of your home). Your agent can connect you to a mortgage advisor. Based on your income and credit history, the mortgage advisor will determine how much a bank will lend you, whch will help you determine the price range for your search. 4 Identify Property and Review Disclosure Package Once you have selected a property you are ready to write an offer. Your agent is well versed in the local realtor contracts and terms as well as disclosure obligations by the seller. 5 Negotiate and Write an Offer Your offer is a non- inding agreement to pay a certain price for the home. If your offer is lower than the list price, the seller will likely return with a “counter offer”, which you can choose to accept, reject, or counter. Your agent will advise on pricing throughout the process. 6 Due Diligence During the escrow process you will have an opportunity to inspect the property, review homeowner’s association documents. Select home insurance ocverate and submit to escrow. Remove contingencies. 7 Final Walk- Through with Your Agent A final walk-through ensures that the property’s condition hasn’t changed since your last visit and that the terms of your contract will be met. 8 Closing of Escrow Congratulations, you are now a home owner!
Let’s Talk Financing...
San Francisco Bay Area Loan Pre-approval The Home Loan Process Components of a Mortgage How do Lenders Qualify Buyers? The Underwriter Reviews Your Loan Things NOT to do when applying for a Home Loan Financing Your Purchase Chapter 1
San Francisco Bay Area BUYING PROCESS Determining the Right Price Range The first step in buying a house is to determine the price range that is right for you. You will need to consider how much you are prepared to invest in your home and how much you will need to borrow. You should also consider how much property taxes and insurance will add to your monthly mortgage payment. Determining Case You Will Need You will need enough cash to cover both your down payment and any clsoing costs associated with the purchase. Clsoing costs vary significantly based on the terms of your loan but are gnerally 1% to 2% of the pruchase price. Determining Additional Costs Your agent will help estimate your purchasing pwer and your carrying costs, but it is highly recommended that you discuss your ash needs and tax ramifications with an accountant and/or financial advisor. Pre-Approval for a Loan An offer is given greater consideration by a seller if it is accompanied by a pre-approval letter from a reputable lendor or a local mortgage broker. This assures the seller that you will be able to obtain the proposed financing and will not tie up the property needlessly. Lenders will inquire about the following six critical factors: 1.Income 2.Savings/capital/investments 3.Credit history 4.Debt level/ratio 5.Employment history 6.The value of the property you wish to purchase Pre-approval is different from pre-qualifying, as it is a full loan approval instead of an opinion letter. It is recommended to get pre-approval before looking at homes. Finding out what you qualify for will help you look in the right price range. Why get pre-approved
San Francisco Bay Area The home loan process Property Search Begins Conditional Approval Given by Lender Loan Application with Supporting Documentation Offer Accepted Credit Report Final Approval Given by Lender Loan Submission To Lender Loan Docs Sent From The Lender Pre-Approval Issued Lender Underwriting Begins Loan Options Loan Docs Recorded Purchase Closes Property Search Preparation Escrow Period
San Francisco Bay Area BUYING PROCESS Things you should NOT do when applying for a home loan Below are a list of things to steer clear of when seeking to obtain financing for a new home. The following items may be detrimental when trying to move forward with the loan process. DON’T buy or lease an auto before you apply for a home loan Lenders look carefully at your debt-to-income ratio. A large payment such as a car lease or purchase can greatly impact those ratios and prevent you from qualifying foa home loan. DON’T move assets from one bank account to another These transfers show up as a new deposits and complicate the application process, as you ust then disclose and document the source of funds for each new account. The lender can verify each account as it currently exists. You can consolidate your accounts later if you need to. DON’T change jobs A new job may involve a probation period, which must be satisfied before income from the new job can be considered for qualifying purposes. DON’T buy new furniture or major appliances for your new home If the new purchases increase the amount of debt you are responsible for, there is the possibility this may disqualify you from getting the loan, or cut down on the available funds you need to meet the closing costs. DON’T run a credit report on yourself This will show as an inquiry on your lender’s credit report. Inquiries must be explained in writing. DON’T attempt to consolidate bills before speaking with your lender The lender can advise you if this needs to be donw. DON’T pack or ship informaiton needed for the loan application Important paperwork such as W-2 forms, divorce decrees, and tax returns should not be sent with your household goods. Duplicate copies take weeks to botain, and could stall the closing date on your transaction.
San Francisco Bay Area The underwriter reviews your loan 1. Credit It is important that credit has been established with a good payment history. Any derogatory credit must have a good explanantion. Outstanding collection accounts, judegements, or liens must be paid through escrow. The credit report wil also list a credit score - a mathematical calculation of your overall credit rating. 2. Job Stability A consistent job hisorty with the same company is ideal; however if changes have been made for advancement, it is acceptable. Schooling completed in prepartion for a specific vocation is considered to be a part of your job history 3. Income and Ratios Your gross monthly income (before taxes) is computed. Bonsues, overtime, part-time, or self- employment income is averaged over the last tow years. The principle, interest, taxes, and insurance (PITI) on the new loan (plus mortgage insurance, if applicable) is divided by the gross monthly income to get the “top” ratio. P.I.T.I and all debts are divided by the income to ge tthe “bottom” ratio. Ratios are ideally 33 over 38 for an 80% loan and lower for a 90%, 95% or 97% loan. If other components are strong, higher ratios may be permitted. 4. Down Payment, Closing Costs and Cash Reserves To be considered, your funds must have been verfied as having been yours for 3 months. A 5% minimum down payment MUST be from your own funds; however, the remainder of the down payment, closing costs, and the 2 to 3 months of reserves may be gifted bya relative who provides a letter and bank statement showing the ability to give. 5. Property The property is the security for the loan. The lender will require an appraisal by a certified fee appraiser to assure that there is sufficient collateral. The underwriter will review the appraisal to verify the marketability, condition, and value of your home. The lender will also review the title report and require title insurance on the property for your protection as well as theirs. *If you don’t fall within these guidelines, don’t panic! Lenders can work with a variety of circumstances.
San Francisco Bay Area BUYING PROCESS Components of a mortgage Formula for Home Owners Insurance: Formula for Property Taxes in Alameda County/Contra Costa County: P.I.T.I. Formula 2 Insurance Formula 1 Principle, Interest, Taxes and Insurance Loan Amount x 0.35% Homeowner’s Insurance, Mortgage Insurance, Homeowner’s Dues Purchase price x 1.25% = Monthly Homeowners
San Francisco Bay Area Monthly Debt Payments: $400.00 Total Debt Service: $6,904.45 Income $200,000 / $16,667 per month Proposed Monthly Housing Expenses: Housing to income ratio 39% Total nmonthly payments on installment + revolving debt Purchase Price: $1,250,000 Loan Amount: $1,000,000 Down Payment: $250,000 30-yr fixed intereste-only payment @ 3.875%: $4,702.37 Taxes per month: $1,302.08 HOA Dues (or hazard insurance): $500.00 Total monthly payment (PITI) - $6,504.45 *Many lenders will allow up to 43%-45% of your gross income and total monthly obligations. **Lenders will use a formula of 1.25% of the sales price to calculate property taxes. The property taxes in many cities will be more or less. How do lenders qualify borrowers? Income Assets/ Reserves Debt Credit (FICO Score) Debt Ratio
San Francisco Bay Area BUYING PROCESS Buying Process Flow of a Real Estate Transaction Your Property Search Types of Ownership/Vesting Disclosures Making the Offer Escrow Chapter 2
San Francisco Bay Area Property Types Co-Op: Condo: A condominium is usually attached housing, where the buyers/owners of each unit own their individual unit and a portion of the private land that the building sits on, as well as any amenitites. All condominium buildings have associations (often referred to as Homeowner Associations) that govern/oversee the policies of the condominium building as a whole, allocate expenses for maintenance, and collec tthe homeowner association fees. Single Family Home: single-family home (often abbreviated as SFH), house o dwelling is a free-standng residential building tha tis maintained as a single dwelling unit. Even if the dwelling unit shares one or more walls with another unit, it is considered a single family home if it has direct access to a street and does not share heating facilities/equipment, water equipment, or any other essential facility or service. Tenancy In Common (TIC): In a TIC, a building is owned by a TIC group in percentage shares, including the rights to occupy a particular unit. Each owner has a distinct, separately transferrable interest in the building as a whole. All areas of the property are owned equally by the group, and therefore an individual may not claim ownership to a specific part of the property. Co-operative (Co-Op) housing is the form of ownership in which the whole property is owned by a co-operation and then sold as shares to the individual buyers/owners of the community. Co-Operative housing typically shares the costs of upkeep and maintenance and shares amenities across all of its members.
San Francisco Bay Area BUYING PROCESS The flow of a real estate transaction Cash proceeds Move out Conditions removed Inspections facilitated MLS (Multiple Listing Service) Marketing, advertisement Open House showings Agent presents Comparable Market Analysis Price established, Listing Agreement signed Negotiation of terms Disclosures provided Escrow opened Earnest money deposit Disclosures inspection Preliminary Title Report Utilities transfer to Buyer Escrow closing procedures Possible additional negotiations Purchase offer presented to Seller Viewing properties Property of coice located Writing offer with agent Commitment to the agent Market education Financial pre-qualifications Conditions removed Deposit increased Inspections obtained Loan process initiated Keys delivered Move in Sales contract accepted Loan funding Property title records at City Hall Seller Buyer
San Francisco Bay Area Disclosures In the Bay Area, it’s typical for the listing agent to provide a general disclosure package to all serious buyers. This is your opportunity to review general information about the property prior to writing an offer. It is required that the sellers and agent disclose everything they know about the property and that you are aware of anything that might affect your decision to purchase the property. Pest Inspection Report Preliminary Title Report Home Owners Association (HOA) Meeting Minutes for the last 12 months Conditions, covenants and restrictions commonly referred to as CC&Rs Real Estate Transfer Disclosure Statement (called the RETDS), Seller Property Questionnaire These 2 disclosures are questionnaires about the condition of the property and neighborhood Home Inspection A home inspection will check the overall condition of the home from the foundation to the roof, including electrical, plumbing, and heating, the basic structure, as well as the qualit of the finish work. Other recommended inspections may include structure engineering, soil conditions, fireplace and furnace. The inspection period is useful for obtaining estimates for repairs and improvements you plan to make later.Natural Hazard Zone Disclosure (Property ID or JCP Report) This report gives you all information about how the property might be affected by a natural hazard. Earthquake, wildfire, tsunami, flood, etc. based on its specific location. Condominium Certification Form House Rules / Misc. Communication Agent’s Visual Inspection Disclosure HOA Budget and Budget Reserve Study (if it’s a larger building)Provided by the Title Company, this report gives you information about the sellers Sometimes referred to as a “Termite Report”, it examines all types of insect and fungus damage (Section 1) as well as conditions that could lead to damage (Section 2). This isnpection is performed by a specially licensed contractor who must inspect properties according to criteria establised by the State Board of Pest Inspection.Each agent will conduct a visual inspection of the property to identify red flags.
San Francisco Bay Area BUYING PROCESS Making the offer Q: How do you win in a multiple bid situation? Q: What is a good offer? Q. How long will it take for me to hear if I/we got it? Q: Is it beneficial to provide a personal letter or enclose photos, etc. with the offer? Q: What is the counter offer? How does it work? Q: What is a Multiple Counter Offer? A: A good offer depends on multiple factors: the market, the neighborhood, the sller needs and the list price. It is your agent’s job to provid eyou with the best information on these factors to help you make a decision. Is the list price low or high copared to the market? Is your offer the only one on the table or are there several you are up against? Are properties in general selling above or below asking in the neighborhood? A: We generally give 24 hours for the seller to respond. In some cases the seller requests more time, but usually no more than a couple of days. In the case of a short sale or REO, it can take weeks ore months to hear back from the bank. A: Primarily by understanding the strategy and motivation of the sllers. It is important to know how many other offers are on the table, the state of the market, and the goals of the sller. An offer is more than a purchase price - a good offer is drafted carefully with overall terms that will appeal to the sller. A: Absolutely. Sellers want to know who is buying their house. Whether you are buying from a developer or normal seller, a good solid offer package with a personalized cover letter show that you are serious and passionate. A: If a seller receives more than one offer, they can couter all of them or a select few. In this scenario, the offer is not ratified when you respond to their counter. The seller has the final say, therefore you are not ratified until the seller accepts your counter. A: When you submit an offer, the seller has four choices: 1.They can ACCEPT it as written, and you are ratified—meaning you are “in contract” to buy it. 2.They can REJECT it. 3.They can offer you a BACK-UP position—in the case that they have accepted another offer, this will put you in first position to ratify if the first offer cancels or falls through 4.They can COUNTER your offer. They can counter you on the purchase price, the length of escrow, contingency periods, or any other terms. Once you receive their counter you can then 1) Accept 2) Reject or 3) Counter their counter. This can go back and forth many times until both sides come to an agreement. As soon as one party agrees to the other’s counter, you are ratified.
San Francisco Bay Area Escrow Escrow: What is it? Escrow is the period of time between your offer being accepted and your purchase being finalized. Escrow is a deposit of funds, a deed or other instrument by one party for the delivery to another party upon completion of a particular condition or event. Why Do I Need an Escrow? Whether you are the buyer, seller, lender or borrower, you want assurance that no funds or property will change hands until ALL of the instructions in the transaction have been followed. The escrow holder has the obligation to safeguard the funds and/or documents while they are in the possession of the escrow holder, and to disburse funds and/or convey title only when all provisions of the escrow officer is a neutral third party and does not represent any one party. Your title company will provide you with a preliminary title report for the buyer to be made aware of any encumbrances on the property. Your title company also provides title insurance to ensure delivery of clean title. How Does Escrow Work? The principals to the escrow—buyer, seller, lender, agents—cause escrow instructions, most usually in writing to be created, signed and delivered to the escrow officer. If a broker is involved, he will normall provid ethe escrow officer with the information necessary for the preparation of your escrow instructions and documents. The escrow officer will process the escrow, in accordance with the escrow instrutions, and when all conditions required in the escrow can be met or achieved, the escrow will be “closed.” The duties of an escrow holder include: following the isntructions given by the pricipals and parties to the transaction in a timely manner; handling the funds and/or documents in accordance with the isntruction; paying all bills as authorized; responding to authorized requests from te pricipals; closing the escrow only when all terms funds in accordance with instructions and provide an account for same: the Closing or Settlement Statement. The escrow officer can ONLY take instructions from all parities in agreement. No one party in the transaction can soley give instructions. The escrow officer dows not represent any one party—they are a neutral 3 party in the transaction. rd Who Chooses the Escrow? In the Bay Area, it is usually the buyer’s choice, as the buyer pays the escrow fees. The selection of the escrow holder is normally done by agreement between the princials. If a rel estate broker is involve din the transaction, the broker may recommend an escrow holder. However, it is the right of the principals to use an escrow holder who is competent and who is experienced in handling the type of escrow at hand. There are laws that prohibit the payment of referral fees; this affords the consumer the best possible escrow services without any compromise caused by a person receiving a referral fee. How Long Does Escrow Last? This is determined on a case by case basis and will be written into the offer. Generally, 30 days is common. However, in some cases you (or the seller) may need more time. In some cases, it is shorter, for example with an all cash deal.
San Francisco Bay Area BUYING PROCESS What Happens During Escrow? The escrow period gives all parties involved the time needed to comply with the terms of the offer and prepare to transfer title from the seller to the buyer. During this period, you do several things, al of which your agent will help you with: 1. You put down a refundable deposit of 3% of the purchase price which is held by the title company 3. You review and sign disclosures 2. Your lender processes your loan and will ask you for various information needed to approve you 5. You have any inspections you wrote into your offer done 6. The lender orders an appraisal for the property 4. You do your due diligence on the property, and remove your contingencies by the deadlines you requested in your offer 7. You sign all loan and title documents when they are ready 8. Closing happens a couple days after you sign documents
San Francisco Bay Area Bay Area real estate websites Resources Chapter 3
San Francisco Bay Area BUYING PROCESS Bay Area real estate websites CCAR MLS www.ccartoday.comSocket Site www.socketsite.com Plug into SF real estate tips, trends, and the local scoop. Bridge MLS www.ebrdmls.com Bay East MLS www. bayeast.org Calaveras County (CCAR) www.calaverasrealtors.com SILVAR (Silicon Valley MLS) www.silvar.org Bareis MLS (North Bay MLS) www.bareis.com Marin Association of Realtors www.marincountyrealtors.comGoldstein, Gellman, Melbostad, Gibson & Harris, LLP www.g3mh.com A firm that specializes in real estate. San Francisco Board of Realtors (official MLS site) www.sfrealtors.com Easy to use, easy to navigate. Up to the minute - real time information on listings. Curbed www.curbed.com A neighborhood and real-estate weblog. Curbed covers the greater New York, Los Angeles, and San Francisco areas. Walkscore www.walkscore.com Great source for quickly accessing what is nearby. Great School www.great school.org Great source for information on nearby schools. Crime Mapping www.crimemapping.com San Francisco Government www.sfgov.org A great resource to use when looking for city services, resources within your district, paying property taxes, or getting your dog’s license. San Francisco Department of Building Inspection www.sfdbi.org DBI is the regulatory safety agency for San Francisco buildings. Check here for permit information.
Contra Costa County Service Directory San Francisco Bay Area
Alameda County Service Directory San Francisco Bay Area
Appraisal Assessment of the property’s market value, for the purpose of obtaining a mortgage and performed by a licensed appraiser. Contingency Certain criteria that have to be met in order to finalize the sale. Closing Costs Expenses incidental to a sale of real estate, such as loan fees, appraisal fees, and title insurance. Assessed Value Value placed upon property for property tax purposes by the tax collector. Final Walkthrough The buyer reviews the house just before closing to make sure everything is in the same condition and that all home inspection items are fixed. Debt-to-income ratio The percentage of an individual's monthly gross income relative to the amount of debt owed. Earnest Money Deposit (EMD) A good faith deposit the buyer makes with an offer to show that you are serious about buying the property. In exchange, the seller agrees to stop marketing the property. Get a better understanding of common real estate language and practices. Inspection An expert conducts a formal review of the property to find visible issues that need to be repaired. Buyers typically make their offers contingent on an inspection, but sellers can conduct a pre-offer inspection to appeal to buyers. The buyer may choose to do additional inspections like radon and a sewer scope. Lien Search A background check on the property and the seller to ensure there are no outstanding debts or claims upon the property. Pre-Qualified Potential buyers provide an overall financial picture and mortgage brokers provide an estimate of what level of loan you will likely be pre-approved for. Pre-Approved Advanced approval from a bank or other lending institution for a home mortgage. Title Insurance Insurance to protect the buyer and lender against losses arising from disputes over the ownership of a property. Recording Fees A fee paid to the local government to officially report a sale of a home; usually paid by the buyer. KEY TERMS
Familarize yourself with The Purchase Agreement (Offer)
Dear Seller, We wish to express our interest in your home and to introduce ourselves. Our names are Grant Inaba and Carrie Ann Inaba and we both grew up in Southern California but have been living in The Bay Area for 20 years. We have two little girls and their names are Amy and Leah. Carrie Ann works as a Dance Instructor in San Rafael but is pursuing a career to be a nurse. Grant is a merchandise coordinator for Bed Bath and Beyond. We have been pre-approved with our lender and are ready to buy. We would be so honored to live in your home and in this neighborhood. We hope to raise our family in the same safe environment that we grew up in and this neighborhood is ideal for us to continue raising our girls. Thank you so much for reading our letter and are hopeful you will accept our offer. Sincerely, from our family to yours, Grant, Cheryl, Amy, and Leah EXAMPLE BU YERS LETTER
Grant Inaba REALTOR® M: 415.992.2330 grant@goodagentre.com DRE#01905199 I LOOK FORWARD TO WORKING WITH YOU I go above and beyond to help my clients search for their perfect home, providing guidance and advice throughout every step of the buying process. Together, we'll collaborate closely to find homes that fit your needs, budget, and lifestyle. Working with me means you'll have a seamless experience and be well positioned to make your dream home yours when you find it. I make sure my clients cross the home closing finish line with confidence and ease.