Buying A HomeFor most people, buying a home is one of the biggest investments they will ever make. The factors that affect the decision are complex. The locality is important – schools, public transport, proximity to shopping, workplaces, recreation facilities, zoning laws etc. all need to be taken into consideration. Then there is the type of home – would a town house or a condo be better, both in terms of the family’s needs as well as looking upon it as an investment. The layout and design are important factors – they must appeal to the family and provide a home they are comfortable in. And, of course, there is the cost factor – what a family wants and what they can afford are often two different things. What are the best financing options and best sources? It may often be best to stretch your finance a bit to buy a home that will really appreciate in value and become a great equity in the future. It may be a good investment or it may not. How do you know? |
 |
Sometimes You Need To SellThere may come a time when you need to sell your home. It could be because of relocation, a change in the family size or needs or any other reason. I am also well known for my skills in guiding homeowners through the selling procedure to ensure that the price they get is the best. I will arrange for the home valuation to be done, find the buyers, negotiate with them and close the deal with the minimum of hassle to the homeowner and to his or her maximum satisfaction. Often a home has to be sold in a hurry and if you say to me “sell my house quick” I will find the perfect balance between speed and the best possible selling price. Selling a home that a family has lived in for years can often be an emotional trauma. No one can help that, but I will ensure that the process will be as painless and profitable as possible. |
You Need Expert Help
The California Bay Area is a great place to live and offers some of the best residential localities in the country. But what will make the right buy for you – both in terms of your family’s needs and as an investment for the future? My name is Debra Cummins and I am a real estate agent with an insider’s knowledge of the Bay Area, its real estate market and the problems and opportunities that home buyers will find. I do not just find houses for my clients to buy – I take the time to understand them, their needs and their plans for the future and use these inputs to find them not just houses but homes they will be happy in. A house is an inanimate object made of wood, cement, steel and glass. It may have the number of rooms and the floor area a family is looking for, but that does not mean that it is automatically the right home for them. I find homes for my clients – homes that meet their needs and where they will be comfortable, happy and secure. That is real professional service.
A Reputation For Service
I am proud of the reputation I have built for my integrity and dedication to client service. I know that my clients trust me to help them make the most important decision of their lives and I always honor that trust. I measure my success not in terms of awards or citations but in terms of client satisfaction. For me a satisfied client who is happy in a new home is the true measure of success. My knowledge of neighborhoods, schools, market conditions, zoning regulations and local economies along with the leg work I do and the constant supply of up to date information on new listings and conditions that I supply my clients makes the home buying process as pleasurable, stress free and successful as possible. Having the headache taken out of the process, and being sure of the right advice, information and guidance, makes it easier to take the right decision at the right time.
First time home buyers are often at a loss on how to go about the buying process and I never hesitate to spend as much time as needed to explain the issues involved and guide my clients through the maze of formalities to ensure that the home they buy is the right one.
The Real Estate Report - Local Market Trends - Santa Clara County
Median Price for Homes Up Again
The median price for single-family, re-sale homes
reached its highest level since August 2008: up
34.6% year-over-year to $632,450.
The sales price to list price ratio, a good indicator
of demand, for single-family, re-sale homes in
Santa Clara County was 101% in April.
This is the tenth month in a row the indicator has
been over 100%. The number of home sales were up 4.1% from
March, but down 1.4% year-over-year.
Pending sales reached record levels in March with
2,519 homes under contract. This bodes well for
sales in the next few months.
Inventory also increased in April from March: up
8.2%, and it was up 0.2% compared to April 2009.
This is the first time inventory has been higher than
the year before since January 2009. Seems like
home owners are beginning to feel more confident
in the market. Of the 1,022 homes put on the market
in April, only 85 were bank-owned. Read More...
Distress Sales
Because of the economy, foreclosure is a word you come across everyday. A large number of families all over the country are faced with the loss of their homes for no fault of their own. When a home owner can’t meet his mortgage payments and the market value of the house is lower that the outstanding loan amount, the loss of the home is inevitable. While this is tragic, how badly it affects your future depends on how you face the situation. Foreclosure does not just mean the loss of your home, it has a huge impact on your credit rating and it can affect your efforts to get fresh financing for a new home in the future. There are options to foreclosure that are often better for the homeowner -things like the much talked about short sale option. But lenders are wary of permitting short sales or other alternatives to foreclosure. And when they do, the conditions they place on the transaction and the minimum selling price they are willing to accept are often such that the option is unworkable. In fact, most attempts to find an alternative to foreclosure usually end in failure.
I have a great deal of experience in distress sales. I am a Certified Distressed Property Expert and a Short Sales and Foreclosures Resource Certified Negotiator. This means that I understand the complexities of the negotiations and how the lenders think and what they are looking for. Coupled with my real estate expertise this puts me in a position to negotiate effectively with lenders to not only get them to agree to an alternative to foreclosure and its resulting negative effects on your future, but also to get the best possible terms for my clients.
If you are faced with impending foreclosure or any other financial problem that could lead to the loss of your home, please call me at 408.621.5687 for a free confidential evaluation of your individual situation, property value, and possible options.
As an agent with the CDPE® Designation, I have a strong and unique appreciation of the factors affecting the market, and know that there are options available to you.
If you would like to stay in your home, the City of San Jose and Santa Clara County have many free resources available to you. There are free HUD counselors to assist with modifications, free credit counseling, and free or sliding scale legal counsel for predatory lending or bankruptcy. I can help you reach those resources. Do not sign anything without having an accountant and lawyer review the documentation.
Complete Real Estate ServiceI offer full range of real estate services, all tailored to ensuring that the best interests of my clients are protected. Visit my websites www.debracummins.com and www.CaDistressedProperties.com to learn more about what I can do to help you with your home buying or selling. I can be contacted at 408.621.5687 or on email - dc@DebraCummins.com. My office is located at: Net Max Realty, 14425 Big Basin Way #1, Saratoga, CA 95070. All professionals talk about the quality of service they offer. In my case, its not just words but knowledge, understanding of client needs and action that enables me to stand out from the crowd. Something I am sure you will realize at your first meeting with me. |
|
||||||||||||
