What is a Buyer's Agent?

A Buyer’s Agent is a real estate professional and market specialist who Solely represents the buyer in a real estate transaction. The Buyer’s Agent, his Broker, and his real estate Agency all represent the buyer and work on the buyer’s behalf safeguarding interests, negotiating prices, arranging financing, and managing the transaction closing.

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When?
The sooner the better for maximum benefit.  Just thinking about buying, looking, researching or ready to act, No matter what stage of the process you're in we bring relevance and added information to the process.

In Simple Terms Of Representation Here's How It Works
What is a Sellers Agent?		What is a Buyers Agent?
This is the "listing agent" whose name is on the sign. Legally obligated to represent the seller's interests. Duty is to get the highest price and best terms for the seller, maintain seller's confidentiality and disclose all known information about prospective buyers. Seller is "client", buyers are "customers".		This is an agent to represent the buyer's interests. Duty is to locate the right home for the buyer, negotiate on buyers' behalf for best price and terms, maintain buyer's confidentiality and disclose all known information about the seller AND THE HOME to the buyer. Buyer is "client", sellers are "customers".

As A Buyer, Still think the best price and terms come from the listing agent? ... Call or Email Us For More Information!

What does this service cost the buyer?

The Buyer’s Agent services are free to the buyer. In real estate transactions the seller pays the commission, which is a predetermined percentage of the sale, to the Seller’s Agent and to the Buyer’s Agent. There is no cost to the buyer.

Do I need an agent that is so active in the market?

Yes, we represent current active real estate buyers. We have information on all Santa Rosa Ca homes for sale, new and pre-owned, currently available for sale provided by local resources. As members of the National Association of Realtors® (NAR), California Association of Realtors®, and local Realtor® Associations - including the Multiple Listing Service (MLS) - we adhere to the Realtor® code of ethics and a high standard of service.

Here is what you can expect:

• We work with you at every stage of the home finding process, from the initial selection of properties to view, through the presentation of a purchase offer, to obtaining financing and the completion of the transaction.

• Communication is important. We will want to agree to a system of regular contacts (whether in person, on the phone, by mail, fax or e-mail) so that you can be kept informed at all times.

• We provide information and solid advice so that you can make informed decisions. Please don’t hesitate to ask questions.

It is our hope that you will be so pleased with my service that you will turn to us for advice on your future real estate needs.

Putting it in Sequence

Pre approval with lender (*see below)
Find the perfect property
Negotiate contract and open escrow
Review Disclosures and schedule inspections
  - You decide which inspections you want and I help facilitate
  - Review disclosures, reports, Title and property info – secure Home Owners Insurance
If All Fine then physical inspection contingency released
When loan gets APPROVED and Appraisal comes in ok
  - Loan and appraisal contingency released
Usually an increase of deposit will happen after all contingencies released
Escrow assembles closing and documents HUD-1 statement of credits and debits between Buyer and Seller
Escrow receives Loan Docs for signing and issues a ready policy(s) for Title Insurance (2 one for home amount And one policy for loan amount)
Signatures and remainder of down payment required at “closing” Bank funds routed to accounts and recorded at County Offices *The lender will usually need this information and more.

For most w-2 clients,
1. 2 years taxes
2. 2 years w-2
3. 2 months bank statements
4. 1-2 month paystubs

For Self employed: 
1. 2 years taxes
2. Current business license
3. 6 months bank statements
4. YTD Profit and Loss