- To make the most effective use of our time, we will conduct a buyer counseling session to discuss your needs and goals, and to plan the search for your property.
- Explain the Law and Importance of Real Estate Agency.
- Provide you with information for both general and specific information about various communities throughout the Bay Area.
- I can explain understand the importance of being pre-qualified for a mortgage.
- I can suggest lenders to contact to establish a pre-approval for your new home.
- I can arrange meeting with a local lender to identify your range of affordability, which will strengthen your bargaining ability with a prospective seller.
- I will help you attain a “Good Faith Estimate” from the bank and explain the series of items on the list.
- I will work with a local appraiser to get a formal appraisal and to make certain that the home is worth the purchase price.
- I will explain and keep you informed on the market conditions.
- I will review specific facts on your financial situation to determine the price most suited to your financial abilities.
- Explain all the financing alternatives, to find the lowest cost financing available on the home you choose.
- We will discuss your home requirements, including style, location and price.
- I will set you up to receive free daily email alerts on homes which fit your needs.
- I will search the market daily to find homes which would fit your wants and criteria.
- We will visit homes which look promising together.
- We will discuss the pros and cons of the homes viewed; you decide the house in which you would like to make an offer.
- We will discuss the positive and negative features of a property that may affect its future value and resale prospects.
- We will review with you all of the inspection reports and other documents pertaining to the condition of the property and disclose all physical defects of the property that are known to us, and the seller’s agent.
- I will obtain the necessary written information on taxes, local laws ordinances, inspection reports and comparable sales.
- I will give you a complete estimated settlement expense sheet for any home on which you make an offer. There will be no surprises!
- I will explain the contract to you in detail before you sign anything.
- I will explain the importance of Earnest Money and how it is an essential part of the contract.
- I will explain to you the option of an appraisal contingency.
- I will explain to you the option of a loan contingency.
- I will explain to you the option of inspection contingency.
- I will explain to you the option of a home warranty plan to reduce your risk of repair when purchasing a property.
- I will assess the seller’s situation to negotiate the best deal I can for you.
- I’m experienced at presenting your offer to the homeowner and can personally highlight the strength of our offer.
- I will call you on a regular basis to inform you of the status of your transaction, including the satisfaction of all contingencies and conditions during the entire transaction
- I will help open an escrow to complete the transaction, title, and help you select inspectors.
- I will explain the escrow process.
- I will explain what Title and Title Insurance are.
- I will work to solve any problems which may arise during the loan process, title or escrow issues.
- Handle all the detail work and negotiations, carefully explain all written documents, and give you a copy of everything you sign.
- I will follow up with the selling agent, your lender, the escrow agent, inspectors, appraiser and the title company to ensure everything goes smoothly.
- I will accompany you on a walk-through of the property before closing, and we will assist you in dealing with any problems discovered during the walk-through inspection.
- I will help in transferring all utilities and services.
- Secure for you, your keys to your new home!

Denise Downs – Financial Planner/Insurance
Everything Brentwood
Sharp Realty
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