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Home Buying güïdë
619-988-0628 REALTOR® | DRE#01183231 Rhiza@sandiegohomeexpert.com 864 Amena Court Chula Vista, CA 91910
Rhiza Trinidad MAKING YOUR DREAM OF HOMEOWNERSHIP A REALITY
Rhiza Trinidad, an established bilingual Real Estate professional with Coldwell Banker West, continues to connect families with the dream of home ownership. With more than twenty-five years of seasoned experience, her continued growth and expertise in today’s market has recognized Rhiza as an awarded Top Five Percent Sales Realtor® by Coldwell Banker International and the San Diego Association of Realtors. Her passion and devotion in assisting others can be recognized in her ability to help create and grow wealth through her extensive knowledge of real estate, mortgage loans, taxes and accounting. As a current resident in the Chula Vista neighborhood, she has planted herself in community outreach as she serves the greater San Diego with her support, leadership, time and commitment to a better and thriving community. Her faithfulness as a key influencer of her locale extend to her church, and her loving and beautiful family. Her supportive husband and three children couldn’t be more proud of the positive impact she has, and will continue to mark on all those lives she touches.
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“I always recommend Rhiza to my former clients and relatives for their Real Estate needs. She is very dedicated and honest in dealing with them. Service is her business and she is good at what she does!” - Rene Prudente, Mater Dei Catholic Church Parishioner
“Ms. Rhiza Trinidad was the best realtor I’ve known. She helped me through out the entire process. I am an active duty military and even when I was away, she communicated everything to me in every means possible. She made sure that everything was well taken care off and in timely manner. She even extended her assistance by helping me look after my family while I was away for work. I was confident working with her since the beginning since she tried to understand and took in consideration what I, as a client, needed. She gave me as many options, & patiently walked me through each and every houses I wanted to view. Now I found a place I call home all thanks to her for all the help, guidance and assistance.” - Clyde, Chula Vista
THË KËÝS TØ SMÅRT
Home Buying Buying a home is one of life’s most important investments and exciting adventures. As your REALTOR®, I will guide you every step of the way by: • Helping
you
get
pre-approved
and
establishing your purchase power. • Helping you articulate actionable home preferences. • Helping you determine your offer. • Negotiating the offer and contract. • Facilitating the financing process. • Initiating
the
property
evaluation
inspection process. • Explaining the title search process. • Preparing you for the close of escrow.
MY ULTIMATE GOAL IS TO GUIDE YOU TO THE PERFECT HOME.
and
whërë hømë
STEPS OF THE HOME BUYING PROCESS.
WØRKÏÑG WÏTH
When you partner with me, a team dedicated to finding you a home that meets your needs, you free up your time!
NOT ALL REAL ESTATE PRACTITIONERS ARE REALTORS®. The term REALTOR® is a registered trademark that identifies a real estate professional who is a member of the National Association of REALTORS® and subscribes to its strict code of ethics. On the next few pages are some important reasons why it pays to work with a REALTOR®.
Buying or selling a home requires disclosure forms, inspection reports, mortgage documents, insurance policies, deeds, and multi-page settlement statements. A knowledgeable expert will help you prepare the best deal and avoid delays or costly mistakes.
I can provide local community information on utilities, zoning, schools, and more. I can also be able to provide objective information about each property. A professional can help you answer these two important questions: Will the property provide the environment I want for a home or investment? Will the property have resale value when I am ready to sell?”
Sometimes the property you are seeking is available but not actively advertised, and it will take some investigation to find all available properties.
There are many negotiating factors, including but not limited to price, financing, terms, date of possession, and inclusion or exclusion of repairs, furnishings, or equipment. In addition, the purchase agreement should provide a period of time for you to complete appropriate inspections and investigations of the property before you are bound to complete the purchase.
WØRKÏÑG WÏTH
When you partner with me, a team dedicated to finding you a home that meets your needs, you free up your time!
If you don’t know a CMA from a PUD, you can understandwhy it’s important to work with a professional who is immersed in the industry and knows the language.
Most people buy and sell only a few homes in a lifetime, usually with quite a few years in between each purchase. And even if you’ve done it before, laws and regulations change. As a REALTOR®, I have handled hundreds of real estate transactions over the course of my real estate career. Having an expert on your side is critical.
A home often symbolizes family, rest, and security — it’s not just four walls and a roof. Because of this, home buying and selling can be an emotional undertaking. And for most people, a home is the biggest purchase they’ll ever make. Having a concerned but objective third party helps you stay focused on both the emotional and financial issues most important to you.
Every member of the NATIONAL ASSOCIATION of REALTORS® makes a commitment to adhere to a strict Code of Ethics, which is based on professionalism and protection of the public. As a client of a REALTOR®, you can expect honest and ethical treatment in all transaction related matters. It is mandatory for REALTORS® to take the Code of Ethics orientation and they are also required to complete a refresher course every four years.
ïß åttåïñåblë GENERALLY, THE HOME PRICE YOU CAN AFFORD WILL DEPEND ON SIX FACTOR: 1. Your income. 2. Your available assets for the down payment, closing costs, and any cash reserves required by the lender. 3. Your outstanding debts. 4. Your credit history. 5. The type of mortgage you select. 6. Current interest rates. Your buyer-broker can provide you with a list of the best lenders in the business who can help determine your purchasing power by analyzing your financial strength. Before you begin searching for the home of your dreams, this analysis and your loan preapproval will help you focus your house hunting efforts. A REALTOR® should provide you with a Buyer’s Net Sheet, which will include down payment money, title search, recording fees, etc. This should give you a good idea of your money outlay. Each home purchase/sale is different.
So...who pays the REALTOR® fees? Normally the seller pays the REALTOR®’s fees associated with selling the home. The seller pays the REALTOR®’s brokerage and the brokerage distributes the earned commission to all the parties involved, which generally includes the buyer’s agent.
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Coldwell Banker West cooperates with other REALTORS® in the process of buying a home. As your representative, we prefer to work as your buyer-broker. All Coldwell Banker West REALTORS® have completed an advanced course in buyer-broker agreements. These are just a few of the many things a REALTOR® can do as a buyer-broker: • Prepare and interpret market analysis for the property you are buying (determines if the price and terms of the listed property are correct). • Analyze and compare pluses and minuses of different properties you are considering. • Discuss the value variables of different neighborhoods (what neighborhoods hold their property values). • Provide you with information that is conveyed about the seller’s motivation.
AS YOUR REALTOR®, I ALWAYS WORK IN YOUR BEST INTEREST.
WILL
START
H ØMË BÜ ÝÏÑ G
Buyer Initial Consultation
Loan Prequal
Prequal Letter
$___________
Show Property
CMA
Sell Current Property
OFFER
DENIED
COUNTER OFFER
ACCEPTED
ESCROW
Client Deadlines
Inspections
Home Insurance
Deadline:____________ Resolution:___________
MANAGE: Title
Deadline:___________ Resolution:__________
Appraisal
Deadline:___________ Resolution:__________
Loan Commitment
Deadline:___________
Deadline:____________ Date: _________
Walk Through
Date:______________
CLOSING
Time: _________ Location: _________
Good Funds
$_________________
Transfer Utilities
Date:______________ Bring to closing
POSSESSION
BËGÏÑÑÏÑG THE HO ME S E A R C H P R OC E S S
ÝØÜR HØMË SËÅRÇH IMPORTANT QUESTIONS TO ASK WHEN YOU START THE PROCESS OF SEARCHING FOR YOUR HOME. 1. Why are you buying? For your primary residence, secondary, investment, etc.? 2. What are your plans for your current home? 3. What’s your time frame? 4. What areas are you interested in? 5. Are you working with a lender, and have you obtained a pre-approval? 6. What are the most critical things you’re looking for in an agent? 7. Is there anyone else involved in your home buying process? 8. What is your ideal living situation? (Single family home? Townhome? Condo?) 9. What are the general home specifications you are looking for? (# of bedrooms, # of bathrooms, square footage, etc.) 10. What are your “must-haves” versus “wants” in a home? 11. In which ways do you prefer to communicate (text, email, phone, etc.) and how often would you like to be communicated with?
DËTËRMÏÑÏÑG ÝØÜR
The more I know about your preferences, needs, and priorities, the better I will be able to focus our search on properties that most closely match your criteria. Remember, unless you are building your dream home from the ground up, there are often compromises to consider when deciding whether or not you will be satisfied with a given property.
# OF BEDROOMS # OF BATHROOMS FAMILY ROOM FORMAL DINING ROOM KITCHEN FLOORPLAN STYLE (SINGLE LEVEL VS. TWO-STORY) SQUARE FEET VIEWS ARCHITECTURAL STYLE (RANCH, CONTEMPORY, SPANISH, ETC.) SWIMMING POOL AND/OR SPA GARAGE DECK/PATIO CONDITION (NEW, FIXER, ETC.) LOCATION: CLOSE TO EMPLOYMENT SCHOOLS/DAYCARE PROXIMITY TO POLICE RECREATIONAL FACILITIES PUBLIC TRANSPORTATION FREEWAY ACCESS
you! 619-988-0628 REALTOR® | DRE#01183231 Rhiza@sandiegohomeexpert.com 864 Amena Court Chula Vista, CA 91910
