BETTER CARE, BETTER RESULTS
Whether you're looking for your first home, your dream home or an investment property, we are excited to offer you our unmatched level of service. That’s why we enjoy taking the time to understand your needs and find exactly what you want, while providing a smooth, professional, supportive real estate experience.
Unlike other agents, who quite often are too overextended to focus on finding your perfect home at all times, we have pioneered a collaborative approach where our team of real estate specialists work together on your behalf to achieve your goals. It’s just one of the many ways we value our clients and never waste a minute making your dreams come to fruition.
In doing so, we educate you throughout the process, making every step transparent and easy to understand as we guide you towards your desired results, while proactively solving problems before they become setbacks. From consultation to closing, we are devoted to finding the home of your dreams and negotiating a fantastic price for you and your family. We do it all for you! So, allow us to effortlessly leading you to your brand new home!
INTERNATIONAL RELOCATION SPECIALISTS (CHINESE WELCOME)
Whether you’re moving down the street or across the globe, we do whatever it takes to make sure every moment feels like home. As relocation specialists (bilingual in Chinese and English), we understand every facet of your transition and know how to make it as smooth as possible. Finding you a great home is just the beginning! Our service continues well after the sale. From helping you get a car, furniture, establish your utilities, furnish and design your home, and find great schools for your kids, we offer our additional resources and expertise to ensure your satisfaction.
home buying process
How do I know if I’m ready to buy a home?
•Do you have a steady source of income (usually a job)?
•Have you been employed on a regular basis for the last 2-3 years?
•Is your current income reliable?
•Do you have a good record of paying your bills?
•Do you have few outstanding long-term debts, like car payments?
•Do you have money saved for a down payment?
How large does my down payment need to be?
When considering the size of your down payment, consider that you’ll also need money for closing costs, moving expenses, and – possibly -repairs and decorating. There are mortgage options now available that only require a down payment of 5% or less of the purchase price.
The larger the down payment, the less you have to borrow, and the more equity you’ll have. Mortgages with less than a 20% down payment generally require a mortgage insurance policy to secure the loan.
How much money will I have to come up with to buy a home?
This expense depends on a number of factors, not just the cost of the house and the type of mortgage you would like. You should plan to come up with enough money to cover three costs: earnest money – the deposit you make on the home when you submit your offer (to prove to the seller that you are serious about wanting to buy the house), the down payment (a percentage of the cost of the home that you must pay when you go to settlement), and closing costs (the costs associated with processing the paperwork to buy a house.)
You will pay the closing costs at settlement. This amount averages 3-4% of the price of your home. These costs cover various fees and processing expenses. When you apply for your loan, we will give you an estimate of the closing costs, so you won’t be caught by surprise.
What is an escrow account? Do I need one?
Established by your lender, an escrow account is a place to set aside a portion of your monthly mortgage payment to cover annual charges for home owner’s insurance, mortgage insurance (if applicable), and property taxes. Escrow accounts are a good idea because they assure money will always be available for these payments. If you use an escrow account to pay property tax or homeowner’s insurance, make sure you are not penalized for late payments since it is the lender’s responsibility to make those payments.