Buyer Services Guarantee

The services stated below are part of the services we agree to do for all our buyers:

• Buyer Counseling Session - Discussing your needs and goals, and the plan to search for your property.
• Buyer Agency Alternatives - Agency alternatives for your and the sellers.
• Buyer Representation Agreement - We will explain this to you, and the special services We offer.
• Best Buyer Guidebook - A road map through the home-buying process.
• Financing Pre-Qualification - Arranging a pre-approval appointment with a reputable lender to identify your range of affordability.
• Coldwell Banker Team Search - We present your property search criteria to our sales team. We present you, when possible, with properties as they debut.
• Property Showing - We will show you properties that meet the criteria you have selected.
• Property Evaluation - We will discuss the positive and negative features of a property that may affect its value and future resale.
• Property Disclosure - We review all inspection reports and other documents pertaining to the condition of the property and full disclosure of its defects.
• Review of Written Seller Disclosure - We will review this statement so that you can choose to accept or specify the remedy for each fault disclosed.
• Appraisal Contingency - We will explain to you what this means.
• Home Warranty - We will explain to you the option of a home warranty plan to reduce your risk of repair when purchasing a property.
• Building and Termite Inspections - We recommend that you obtain professional building and termite inspections.
• Estimate of Funds Required - We provide a preliminary estimate of closing costs and down payment requirement anticipated in the transaction.
• Offer Preparation - We prepare a written offer on the property that you choose to purchase, with terms approved by you.
• Building and Termite Inspection Remedies - We will work with you to request the Seller to remedy the items you specify after your review of the building and termite inspection reports as your Offer to Purchase specifies.
• Negotiation Strategy - We will prepare a negotiating strategy for the property that you have selected, which includes a written Competitive Market Analysis and advice on the initial price and terms to offer where permitted.
• Offer Presentation - We endeavor to present your purchase offer directly to the seller in the presence of the listing associate.
• Walk-Through - We will accompany you on a thorough walk-through of the property (if one is provided for in the sales contract) before closing, and we will assist you in dealing with any problems discovered during the walk-through.
• Closing The Sale - We will monitor and inform you of the progress of the purchase agreement, including the satisfaction of all contingencies and conditions during the entire transaction.
• After-Sale Service - We will contact you after the closing to follow up on remaining details or service needs
• Service Satisfaction Survey - We will provide you with a confidential opportunity to give an evaluation of our services.

Financing Your Home >Your Financial Cushion When you calculate how much you will need to purchase a home you will add up the down payment and closing costs. It is also a good idea to leave yourself with some financial cushion to cover the incidental expenses associated with moving. First, you will have to pay the moving company unless you can find friends with strong backs who will help you. Then many buyers plan to do some work, such as painting, replacing carpet, or refinishing floors. If you are moving into a larger space, you may find yourself making some major furniture purchases within a few months of closing. A financial cushion is important enough that some lenders require buyers to have an amount in the bank equivalent to two or three months mortgage payments. This is especially true for buyers who are putting less than ten percent down. Your real estate agent can give you guidance. A lot depends on your overall financial situation. If your mortgage is a relatively low percentage of your monthly income, you will be able to rebuild a comfortable amount of savings in a few months. See All Tips In The "Financing Your Home" Category > See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q  What is a Buyer Broker? A  A buyer broker represents buyers, helping them to find the best property and negotiate the best purchase price and terms. See More Real Estate Trivia >

See the nation's top rated reports for Schools in Sonoma Valley, Sonoma and Sonoma County >

Get My Latest Listings Before Anyone Else! As soon as I list another home for sale, I'll email you. You'll know first. Name: Email: Find Out More >

Mission Hills Mortgage Bankers Located in Sonoma at 35 Patten Street. 707-938-1554. Find Out More > View All Affiliates >

Get the Latest Real Estate News, Hot Off the Presses! If you are buying or selling a home, you need my eNewsletter. Name: Email: