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1. Understand agency cooperation.
Unless restricted by a seller, detailed information on each listing is submitted to our Multiple Listing Service (mlslistings.com) and distributed online to all cooperating brokers and agents. The agent you choose to represent you can do so on any available property, whether listed with his company or with a different brokerage. Due to MLS cooperation even information on properties not on MLS (office exclusives) is shared with competing agents and brokerages.
2. Select an agent.
You will receive more dedication, care and responsiveness if you select one agent to assist you in your search for your new home, an experienced agent who understands the market and respects your tastes, capabilities, and motivation. You want one who knows how to evaluate the inspections and help you determine the property's condition and value, and one who can provide market data to help you determine the best value.
3. Find a lender.
Your lender's written approval is submitted along with the purchase contract for the desired property. Due to our competitive market, you need to be able to assure sellers at contract presentation of your ability to purchase. Buyers need to be pre-approved with a lender, or at the very least pre-qualified. Occasionally sellers' agents request documents showing evidence of the down payment represented on the contract, or if paying all cash, proof of that liquidity. Most real estate agents can recommend highly capable and respected local lending professionals.
My recommendations:
1. Chad Mahoney, Princeton Capital, 650.303.3636
chadmahoney@princetoncap.com
2. Janice Fincher, Opes Advisors, 650.619.2907, jfincher@opesadvisors.com
3. Adam Smith, Wells Fargo Home Mortgage, 408.723.6611 adam.smith@wellsfargo.com
3. Joel Spolin, Absolute Mortgage, 650.323.8200
4. Michael Kessler, Bank of America, 800.916.6123, michael.f.kessler@bankamerica.com
Please note that the above recommendations are well respected locally and have assisted me with my clients or have been recommended by my clients or fellow agents. |