Buyer Closing Costs

Buyer Closing Costs

IN THIS ARTICLE: What are closing costs? What fees can you expect at closing? How much are closing costs? How can home buyers avoid closing costs? What are closing costs? Closing costs are fees associated with your home purchase that are paid at the closing of a real estate transaction. Closing is the point in time when the […]

Why Buy and Live in Monterey County

Why Buy and Live in Monterey County

Growing up in Carmel, CA was truly one of the best experiences of my life. Starting at Tularcitos Elementary School in Carmel Valley (waiting for the day to play in the lower sandbox) Playing baseball on the Volunteers at the Carmel Valley Little League Skipping rocks and rafting down the Carmel River Biking to the […]

What is Mello-Roos in California?

What is Mello-Roos in California?

Mello-Roos Background: In 1978 Californians enacted Proposition 13, which limited the ability of local public agencies to increase property taxes based on a property’s assessed value. In 1982, the Mello-Roos Community Facilities Act of 1982 (Government Code §53311-53368.3) was created to provide an alternate method of financing needed improvements and services. The Mello Roos Community […]

What to Look for when Buying a Home

What to Look for when Buying a Home

Quality of the neighborhood – The National Association of Realtor’s 2012 Profile of Buyers and Sellers revealed that neighborhoods are really important to buyers, but that neighborhood choice varies by household composition. Convenience to job – Commuting is a necessary evil, but homes that are close to work enhance work-life balance, a growing priority for […]

What is FHA?

What is FHA?

I hear a lot about the Federal Housing Administration, and much of it is simply wrong. “The FHA is the next subprime.” Untrue. “The FHA caused the housing crisis.” Also untrue. There is a lot of misinformation making the rounds, which helps neither brokers nor buyers. Here’s the low-down on what brokers or buyers’ agents […]

What to Expect

What to Expect

What to Expect from Your Real Estate Agent What can you expect from your agent? Plenty! (Or at least you should.) Buying or selling a home is right at the top of the list of major and exciting life changes. From making initial buying or selling decisions to closing, you should definitely know how an […]

Interviewing Buyer’s Agents

Interviewing Buyer’s Agents

Questions to Ask when Interviewing Buyer’s Agents Working with a Sales Professional means more than having an expert on your side. Your Sales Professional is your partner and sounding board, protecting your interests, making the process as convenient as possible and leading the way to your eventual home purchase. As you think about what you […]

Types of Mortgages

Types of Mortgages

Types of Home Loans When it comes to paying for your home, you have a wide range of financing options. Your home mortgage will likely come through a financial institution such as bank, or it may come through the seller. We can direct you to a mortgage expert who can help you sort through the […]

Property Buying Budget

Property Buying Budget

Figuring Your Housing Budget Have you ever shopped for clothes, furniture or gifts without a budget and later found that you had overspent? It’s easy to do, especially when looking at homes for sale. Obviously, staying on budget is very important when house hunting. That’s why you need a general idea of how much house […]