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If you are considering Buying a Home There are many things which you need to consider.  I will give you the top Three Concerns that People have when contemplating jumping into the Real Estate Market:

There have been a lot of articles written about the best questions to ask regarding financing Real estate.

Here is the break down (Hard Core Real Estate Talk)-

There are two types of Lenders in the world – Direct Banks and Mortgage Brokers.

Most Direct Banks are great if you fit within a certain mold.  If you are one of their most valuable customers you might be able to get more than a normal “Joe” off of the street.  The “more” I am referring to has to do with discount points and better lending terms.

The Mortgage Broker can draw on money from a lot of different sources.  Not only can they originate loans from the Main Banks (Wells Fargo, Bank of America, Chase, Indy Mac etc.), they have many private sources of Lending money as well.

Which one is BEST?  Depends, if I were searching to purchase a home, knowing what I know now, I would talk with both sources.  Then I would align their paperwork and see which works out to be more advantageous for me.  We suggest our clients do the same.

Paris used to do Loans, she does not any longer.  However, she will run interference for our Clients – Which has proved very beneficial for those that use our services.

Searching for Real Estate and Foreclosures:
The trick here is to be able to view all of the listings that are for sale with the amenities, in the city and within the price ranges that you find most comfortable.  You can also enable your Mobile Phone, PDA, iPhone or cellular phone to search via your GPS system that is built inside of most phones.

You will also want to get this data, the newest listings, at the very moment they come onto the market.  We have a passive system, while you are deciding when you want to move forward – you will be viewing the listings that match your needs.  Our Active Real estate Representation system entails us adding ourselves to your Real Estate Search, sending out emails and contacting the Top Agents in the many networking groups to which we belong.  We have them put on notice to send us pocket listings and off the market inventory so we can pass them along to our clients before they hit the market for sale.  We also do Mailings to communities within tracts that you wish to live.  We do the mailings in order to find a seller that has been considering selling their home.  Success comes on many fronts – We pass along our Success to our Clients.

How much should you offer?:
Everyone has their opinion of this – I will convey to you what works.

When we write offers on properties we are not going about it blindly.  We want you to see Apples to Apples comparisons, called comps, with regard to the home, condo or town-home you are interested in buying.  We do this a few different ways – if the home is located within a tract, a 6 month’s history of sold, pending and back-up positioned properties is simple.  If you are buying outside of the Santa Clarita Valley, in one of our Surrounding Communities, we do a 1 mile radial search for those homes that will give you the Apples to Apples comparisons that we require.  Finally, we want you to see what an appraiser will be looking for as you are writing the offer and wondering how much to offer.

Miscellaneous Benefits:
Document Signing, we love to do this step in our offices.  It makes it easier to explain what is going on when you have someone that is on your side in total commitment. 
Our Real Estate Team is very well respected amongst other Listings Agents.  We too list properties and represent Sellers in the Santa Clarita Valley and Surrounding communities.  You would be surprised how often offers we write get accepted on our reputation with the other Realtors alone.

Your Next Step: 
We cover all of these Real Estate Related items in much more detail at our offices when a Buyers is ready to move forward with their Real Estate move.  We consider each Client as family (not the dysfunctional type), but real family.  We watch out for our clients best interests and have done so since our start in 1998.  Give us a
call or Contact us for more explanation and or an appointment.

Search for all Santa Clarita Cities Real Estate by Topic:
Foreclosures, Short Sales, REO, Bank Owned, Auctions, Discounted real estate, HUD homes at 50% off, "Just Reduced Homes", how much to offer and much more.
Just type what you want into our Google Custom Santa Clarita Cities Search here!
Paris & Connor MacIVOR Paris911 with RE/MAX of Santa Clarita
Paris MacIVOR: 661-400-1720 DRE License # 01256647
Connor MacIVOR: 661.284.5429 DRE License # 01238257
Fax: 888-484-7748
Two Locations To Protect and Serve Your Real Estate Needs:
RE/MAX of Santa Clarita
Paris 911 & Associates

25129 The Old Road, Suite 114
Santa Clarita, CA 91381
RE/MAX of Valencia
Paris 911 & Associates

27720 Dickason Avenue
Valencia, CA 91355
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