Buying a Home in the San Diego Housing Market

The last five weeks have brought mortgage rates to historic lows according to Freddie Mac, with many averaging below 4%. That means more buying and bargaining power for you, the home buyer. In fact, according to last Thursday’s Primary Mortgage Market survey by Freddie Mac, the average rate for a 15 year mortgage was 3.16% with fees and points averaging .8 and the average rate for a 30 year mortgage was 3.89% with fees and points of .7.

Keeping those stats in mind, it’s always wise to do your homework and ask your lender (here’s contact information on Curtis Fox, a great lender) for a list of current rates and determine if those are lowest for that day or week and if the rate is fixed or adjustable, as that answer will affect your payment significantly. Keep in mind that the APR (annual percentage rate) considers all fees, including points and other charges such as origination, underwriting, or closing costs fees, so it may be advantageous to use in comparisons. In a constantly evolving real estate market, it’s always wise to educate yourself and shop around, listen up, and be ready to make the best deal you can on your home purchase and your lending costs.

Save Money When Buying One of These Homes in San Diego

Showing properties 1 - 10 of 500+. See more city of San Diego real estate.
(all data current as of 2/6/2012)

1. $4,375,000 : 8242 Run Of The Knolls, San Diego
   
   5 beds, 4 full, 1 part baths

   Home size: 7,659 sq ft

   Year built: 2010

   Days on market: 1
2. $760,000 : 12289 Avenida Consentido, San Diego
   
   4 beds, 3 full baths

   Home size: 3,043 sq ft

   Lot size: 7,087 sq ft

   Year built: 1986

   Days on market: 1
3. $699,000 : 575 6th Ave 2104, San Diego
   
   1 bed, 2 full baths

   Home size: 1,144 sq ft

   Year built: 2007

   Parking spots: 2

   Days on market: 1
4. $599,000 : 12905 CANDELA Pl, San Diego
   
   4 beds, 2 full, 1 part baths

   Home size: 1,668 sq ft

   Year built: 1986

   Parking spots: 4

   Days on market: 1
5. $659,000 : 3155 Redwood St, San Diego
   
   3 beds, 2 full baths

   Home size: 1,552 sq ft

   Lot size: 6,400 sq ft

   Year built: 1991

   Days on market: 1
6. $549,000 : 9950 Dichondra Pl, San Diego
   
   3 beds, 2 full baths

   Home size: 1,384 sq ft

   Lot size: 6,300 sq ft

   Year built: 1972

   Parking spots: 4

   Days on market: 1
7. $419,900 : 12703 War Horse St, San Diego
   
   3 beds, 2 full baths

   Home size: 1,636 sq ft

   Year built: 1976

   Parking spots: 4

   Days on market: 1
8. $399,900 : 8491 Borealis Rd, San Diego
   
   5 beds, 3 full baths

   Home size: 2,541 sq ft

   Lot size: 7,000 sq ft

   Year built: 1971

   Days on market: 1
9. $259,000 : 5061 La Cuenta Dr, San Diego
   
   4 beds, 2 full baths

   Home size: 1,450 sq ft

   Year built: 1974

   Parking spots: 2

   Days on market: 1
10. $260,000 : 7424 Gayneswood Wy, San Diego
    
    3 beds, 2 full baths

    Home size: 1,278 sq ft

    Lot size: 5,005 sq ft

    Year built: 1984

    Parking spots: 4

    Days on market: 1

Listing information deemed reliable but not guaranteed. Read full disclaimer.

During the process of purchasing a home the home buyer will have a physical inspection of the home and property, and then make a Request for Repairs to the home seller.  In this article I wrote about the benefits of doing a good home inspection I pointed out that this inspection can benefit both the buyer and seller, and that understanding how to use the Request for Repairs work to your advantage is simply a matter of understanding the way the home inspection is intended to work.

California Purchase Agreement – Request for Repairs (Buyer requesting repairs from Seller)

• Above is the current standard form used by Realtors representing a home buyer.  Let’s first review how the form is filled out, and why, and then discuss how both the home buyer and home seller can benefit by understanding how this form is generally used to help negotiate one of the most important parts of a home purchase.

 The Request for Repairs

• The top of the Request for Repairs is used to describe the purchase contract and property address, as well as who the buyer and seller are.
• Section 1 is the BUYER’S REQUEST section.  In this section the buyer will provide a list of the repairs he/she wants the seller to make.  The buyer may also (Section 1(A)2, ask for money in lieu of the repairs.
• In Section 1(B) the Buyer provides the Seller with the inspection report and any other documents they feel would be helpful in having the seller understand what repairs are needed, and why..
• In Section 2 the Seller (after having reviewed the Request for Repairs by the Buyer) responds with either an acceptance of the Buyer’s requests, a partial acceptance, a modification of the cash they are willing to pay, or a rejection of the Buyer’s request.
• In Section 3 (if the Seller has countered the Buyer’s request), the buyer has a last opportunity to agree or disagree with the seller.

Time frames for the Request for Repairs

Once the purchase agreement is signed by both the home seller and the home buyer, the “clock” begins to run on various time frames.  During the course of a typical real estate purchase agreement the buyer will typically have a certain number of days to get loan approvals, examine HOA documents and disclosures, and of course to do inspections of the property.  In California the time frame under which the buyer generally operates is 17 days.  That is, from the time the purchase agreement is signed until the seller wants the buyer to move forward (remove contingencies), is generally 17 days.  (Note:  If the seller is a bank – REO sale – then the time frame often is reduced to 10 days to remove the inspection contingencies.)

What Requests for Repairs Are Reasonable?  {For the Buyer}

That’s right.  They key word here is REASONABLE.  Let’s start with some basics, any of which you are free to disagree with by the way.  Remember, these are my ideas, based on my experience with sellers and buyers, and not necessarily yours if you’re sitting in the home buyer’s seat.

Homes have problems.  All of them.  Even brand new homes have issues.  While they may not have cracked slabs or rotting decks, most will have flaws in some part of the home.  If you’re buying a resale home, which most of us do, then the problems are going to be a lot more extensive.  But the question is, what’s a problem?  Or more specifically, what problems are reasonable for you to ask the seller to repair?

In my experience the buyer gains in this transaction by walking in the shoes of the seller, perhaps more than in any other area of the purchase.  Do you have some rooms painted 10 years ago?  Are your wood floors scratched in some places by your dogs?  Are your bathrooms outdated?  Well…..perhaps they are, and you’re still quite happy to live with those small issues in your daily life.  These, my friends, are not usually items that you’re going to ask the seller to repair.  You saw the home, and when you made your offer you factored in the fact that the floor might have to be replaced, or the sinks changed out.  You probably want to repaint, and you’re most certainly going to want to redecorate.  So just because the inspector noted that there were scratches or tears, or perhaps some molding pulled away, you’re not going to win any points by trying to point them out to the seller.

Instead, focus on real issues…issues that your home inspection uncovered that will make living in your new home either unsafe or unhealthy.  That’s where your power lies, and where you can maximize the request for repairs to your benefit.  Here are some examples:

• You uncover a leak, or apparent damage from a leak, and the seller did not disclose that to you.  No one likes the word mold, and although in my experience mold is found in very few inspections, unrepaired water damage can be a danger should mold develop, and this is an area where the seller will almost always cooperate.
• You find that electrical wiring has been run in a manner that’s not to code.  Again, this is a safety issue, and the seller should cooperate to repair.
• You see that the decking is damaged from either water or perhaps termites.  I’ll give you a primer on termites in another article, but usually damage that may result in falls or other safety issues will need to be repaired by the seller.  (Banks often want you to buy “as-is”, so if they refuse to make these repairs make sure you consult with your Realtor and other repair specialists to discover the true cost of making those repairs.
• The home has no Ground Fault Circuit Interrupters (GFCI) plugs.  These protect you and your family from shock and other electrical damage including the potential for fire, and should always be addressed and repaired or paid for by the seller.

So what about all the other repairs you see that need done?  My suggestion is that you be “reasonable.”  If you really want something done, ask.  But if you understand that the issue is normal “wear and tear” then temper your request so that you get the seller on your side.  If there are a lot of issues that you uncovered during your inspection, perhaps asking the seller to compromise by paying you at close of escrow, and you’ll do the repairs yourself.

What Requests for Repairs Are Reasonable?  {For the Seller}

“It’s the economy, stupid.”  Yep, like all things that are obvious, agreeing to pay for repairs for the buyer is mostly about two things; money and pride.

Your Realtor should have discussed the Request for Repairs with your at the time you listed your home.  No matter how nice your home is the chances are that some maintenance is overdo.  Think of this as simply one of the factors in pricing your home for sale.  If you do a good inventory of the state of your home before you begin marketing it, then when the buyer requests repairs you’ll be prepared for most of his or her objections.

Next, and just as important as factoring in the cost, is your pride.  This isn’t just a house you’re selling, is it?  No, it’s your home, the place you lived in, painted, decorated, maintained, improved and loved.  An inspection and request for repairs can seem like a slap in the face if you’re emotional about the above.  Don’t be.  Again, try to remember how you felt when you purchased your home.  Walk in the buyer’s shoes.  Be reasonable.

]]> http://sandiegoequityfacts.com/requesting-repairs-from-the-seller/feed/ 0 http://sandiegoequityfacts.com/home-inspections-your-best-friend/ http://sandiegoequityfacts.com/home-inspections-your-best-friend/#comments Thu, 08 Dec 2011 21:03:01 +0000 Don Reedy http://sandiegoequityfacts.flatratewebjobs.com/?p=108 Read More »]]> Home Inspections in San Diego

While you are in the process of buying your San Diego area home, one of the most important items you’ll have to understand and work with is the Home Inspection.  After all, your home is going to be an investment as well as your “castle”, and you’ll want to know as much about the home’s condition as possible before making the decision to move forward with the purchase.

Click here to view the embedded video.

Yes, I realize we don’t have snow here, so if you’re tired of the snow remember that San Diego homes are among the world’s finest…in the most beautiful place on the planet.

Why Do A Home Inspection?

A home inspection is primarily for YOUR PROTECTION.  All through the home buying process the buyer is given numerous opportunities to inspect the home, the grounds, the surrounding area, schools, parks, etc.  Most homes (no really ALL homes) have defects.  These defects range from the smallest scratches or torn screens up to damaged plumbing, rotting wood, electrical problems, and possibly even radon or mold problems.  Even new homes have defects.  It’s up to the inspector to find every single defect and bring that information to your attention.  So the home inspection acts as a buffer between what you know, the seller knows, the seller has told you, and what really is happening today with the home you are about to buy.

Home Inspections Aren’t Just for Buyers – Seller’s Benefit As Well

Although the buyer initiates the inspection, paying his inspector out of his own funds for the service and the report, the seller also benefits.  Here are some of the benefits of a home inspection for both the buyer and the seller:

• Buyer – Detect major issues with the home BEFORE committing to purchase.
• Buyer – Ask for repairs on items of most concern (both safety and financial).
• Buyer – Talk with a professional (hopefully CREA) credentialed inspector in depth about the home and potential cost for repairs.
• Buyer – Build a solid foundation with your Realtor about the issues most concerning to you, and allow the Realtor to offer advice as to generally accepted repairs the buyer might expect the seller to make.
• Seller – Since most sellers are not electrical, plumbing, building or safety issues, the inspection will bring forward any potential areas in their home that affect the value and marketability.
• Seller – In California the seller has the duty to disclose, disclose, disclose.  The inspection report eliminates some of the worry about later being blamed for not disclosing something the seller might never have known about if not for the inspection.
• Seller – When or if the buyer asks for repairs or money in lieu of repairs, a third party report from the inspector acts as a tempering rod so that both buyer and seller can negotiate with the facts….not feelings.

Details of  a Home Inspection Report

Your Realtor will likely recommend and insist that you have a home inspection.  He or she will also provide some companies or individuals who perform home inspection services, and you can choose to work with one of these, or someone that you know and trust.  { I continue to recommend Glen Schwartz and Associates, Tim Rohrbeck of Royal Inspection Services , and Steve Roseberry of Safe Keeping Home Inspections. } The home inspection is one of the few items that is paid for directly by the buyer, and out of escrow.   This means that whatever the appraiser charges will be due and payable by the buyer on the day that the inspection is done.  This fee is not refundable for any reason, and if the buyer decides at some point not to move forward with the purchase, the buyer will have born the cost of the home inspection report.  Fees in San Diego run between $300 to $600 for most homes.

The home inspection itself usually takes 2-4 hours.  During the inspection the buyer and his real estate agent are usually present.  Good inspectors not only check and report, but they can educate the buyer on the location of valves, shutoffs, electrical panels, sprinkler heads, clean-outs, etc.  This information is invaluable to the new buyer.

During the home inspection the inspector can point out significant issues, and also point out issues that are common and probably not of great concern.  Since buyers have varied degrees of expertise in this area, this session with a good home inspector is often some of the most helpful in determining if the home is suitable for the buyer.  As I indicate above, select the best home inspector you can.  Choosing a friend or even a General Contractor who doesn’t regularly do home inspections can be a disaster.

After the home inspection is completed, a copy of the inspection will be reviewed by the buyer and the real estate agent.  If the buyer decides there are repairs that he or she thinks should be made by the seller, then a Request for Repairs will be made asking the seller to either make those repairs or pay a certain amount of money instead of making those repairs.  It is important that the buyer rely on the Realtor’s experience and advice when making requests, but ultimately the decision is up to the buyer.

What happens after the Home Inspection?

With the home inspection in hand, a meeting will take place between the buyer and his Realtor.  During this meeting the findings made by the home inspector will be noted, discussed, and then those items that the buyer wants the seller to repair or pay for will be documented in the Request For Repairs.  The Request for Repairs is a California real estate document that puts into writing what the buyer is asking the seller to do or pay for.  As you’ll see, choosing which items to include in a Request for Repair is part art and part science.  Similarly, the Request for Repair is an item that the seller and his Realtor should discuss and understand prior to receiving one from the buyer.

Then You Qualify for A Fast Track Short Sale with Wachovia

Don’t wait one more minute to read more and find out how!!!

• Wachovia is one of the most forward looking, smartest banks in San Diego when it comes to helping you avoid foreclosure.
• The Wachovia Fast Track Short Sale program is in San Diego now.
• With our short sale experts and Wachovia’s special team of short sale managers, a short sale can be approved and accomplished within 45 days or less.
• You risk nothing.
• You pay nothing.
• You have nothing to lose.

How Do I Contact My Wachovia Short Sale Team?

• Read up on Short Sales right here.
• Write down all your questions.
• Contact Don Reedy, your North County San Diego short sale specialist.
• Get details on Wachovia’s Fast Track Short Sale program.
• Do it now……..

 Yes, I want to be contacted to discuss Wachovia’s Short Sale Fast Track Program

Home Values in 92084

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Welcome to Vista, CA 92084

Vista is a city in north San Diego County, California. It was incorporated January 28, 1963 and became a charter city on June 13, 2007. Located just seven miles inland from the Pacific Ocean in northern San Diego County, the City of Vista has a Mediterranean climate.

So starts the information on Vista, California from Wikipedia.com. But those of us who live and work in Vista…92084, realize that mere descriptions of size, shape, government and commerce mean far less than the beauty and uniqueness that unfolds in Vista, CA. Here are mountains and valleys, farm land and estate homes, tree lined streets and ocean views.

Start Your Search For 92084 Vista Homes Here

Contact Us Below

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On April 7th, between the hours of 2 p.m. to 7 p.m., you can get started with a home approval loan from Prudential California Realtor Don Reedy, and Curtis Fox, one of an elite number of mortgage brokers in the area.  Before you start looking for a home you should get a preapproval letter in hand.  You know that, of course, but sometimes it’s just hard to find the time to do it.  Now, along with seeing hundreds of the top vendors at the San Diego Business Showcase, you can start the loan approval process at the same time.  Once you have an approval, and know what you can afford, buying your home will have become much easier.  You’ve got a budget in hand, and now you can let Don Reedy use his expertise to help you negotiate the best price for the home you want.

Curtis Fox and Home Services Lending

Curtis Fox a great lender, and a great guy to boot.  He and his team of lenders are able to be as good as they are in part due to who they are.  Curtis represents Home Services Lending, a member of Home Services of America, and a Berkshire Hathaway company.  Home Services is also affiliated with Wells Fargo Bank.   What makes a great lender different from a good lender, and certainly from a bad lender (not that there are any of those out there ), is the depth of knowledge and depth of backing to not only qualify you, but see you through the maze of difficult and time consuming details of today’s loan process.  It’s hard out there now, with banks and lenders having been burned by their own ineptitude, and by the greed and lack of care buyers took over the last five years.  Now, it’s you who has to do it “by the numbers”, do it right, and do it with someone who can carry the ball all the way with you.   That someone is Curtis Fox.

Apply for a Loan at the San Diego Business Showcase

Don Reedy will be at the Del Mar Fairgrounds from 2-7 p.m. this Thursday, April 7th, exhibiting proudly with over a hundred other businesses at the San Diego Business Showcase.  Come talk with him, and he’ll put you in touch with Curtis  Fox, get you started on a loan approval, and then hopefully see you back with preapproval in hand to start the home buying process.  If you want to talk to Curtis today, just give him a call at 760-585-5469, tell him I referred you, and then settle back and watch this professional work hard for you.  Or, if you want, just fill out the form below, and we’ll email or phone you with the answer to any of your real estate or mortgage questions.

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Your home's value is in your hands

Most of  us know that the value of our home is pretty important.  If you don’t know exactly what your home is worth, then you need to come see us at the San Diego Business Showcase.

Your home’s value is important

Since much of an average homeowner’s financial portfolio is tied up in the value of their home, knowing exactly how the market is affecting that value is important.  Will you be able to access funds from your home?  Are you upside down?  Can you take advantage of loan programs, equity financing or other tax planning techniques to better use the value of your home?

Free Home Valuation

Come to our booth at the Del Mar Fairgrounds on April 7, 2010, between the hours of  2 p.m. to 7 p.m.  We’ll offer you a complimentary valuation of your home, answer questions you may have, or just talk about the housing market here in San Diego.  We’re experienced real estate professionals who know what you need to know, and how to make it easy for you to get that information.

Sign up for VIP Treatment

Take advantage of signing up early, and receive VIP access to reports and valuations for you home and those homes of interest in your neighborhood.  Head to The VIP Real Estate Opportunity at our website, and get yourself on track for having information available 24 hours a day.

If you want a question answered immediately, just give us a call at 760-802-9713, and we’ll be happy to help.

Manage your money to help buy your home

One of our good friends and business associates is Accounting Value.  This North County small business is owned and operated byJuan and Natalie Ibarra.  They are members of the Oceanside Chamber of Commerce, LeTip Business Networking, and a host of other community organizations. They are sought after for their expertise in tax preparation and accounting value, and Natalie is known as one of the premier Quickbooks accounting gurus in the San Diego area.

And they are going to be at the San Diego Business Showcase on April 7th to meet and talk with you. Additionally, they are providing clients of Prudential California Realty and Don Reedy the chance to register for a free accounting consult.

Here’s what Accounting Value can do for you

The experienced accounting professionals at Accounting Value, Inc. work with you to:

• Manage & train staff
• Ensure Employees are productive and efficient
• Provide Operational business consulting
• Set-up Company Procedures & Guidelines
• Perform Budgeting, Forecasting and Cash Flow
• Complete Special Projects
• Stand in as Expert Witness
• Prepare Case Documentation With accounting consulting from AV, Inc., You will benefit from standard business practices and years of diversified practical experience.

Tax Considerations of Owning Real Estate

One of the reasons so many clients love working with us is that we provide access to a team of professionals who help with all aspects of buying or selling a home. Our networking associates, Juan and Natalie Ibarra of Accounting Value, work with us to provide tax advice and counseling to all clients who want to know all they can know, save all they can save, and be prudent in their financial dealings with the purchase or sale of their home.

Stop at our real estate booth at the San Diego Business Showcase

We’ll be talking to people from all over San Diego about buying a home, selling a home, financing a home, and how to find the best services available to maintain your home and real estate related finances.  Accounting Value will be providing the opportunity to get a free valuable consult as part of their participation in the San Diego Business Showcase and Expo. Here’s what you’ll get….

Free 30-minute consultation and needs asssessment to any first time client.

We take a look at several areas to develop a recommendations list for you at no cost including but not limited to:

• Accounting software
• Staff
• Business industry
• Business history
• Data “cleanliness”
• Goals for Growth

Stop by and see Don Reedy and the professional real estate folks at the Prudential California Realty Booth, or give us a call now at 760-802-9713 to schedule an appointment to talk with us about your home needs.

I’m writing this today as a way of asking each and every one of you to consider just exactly what makes a real estate agent excellent.  Not good, mind you, but excellent.   Excellent enough so that these agents might be considered as the finest real estate agents in America.  And more importantly, why you should always seek out the very best real estate agent to assist you in the sale and/or purchase of your own home.

Well, you might as well ask who are America’s greatest actors, or greatest statesmen, or greatest athlete’s, or greatest leaders.  You might as well try to decide who are the greatest teachers, writers, artists, musicians.

We know they exist, and although we are not going to agree on exactly WHO they are, we pretty much all will be able to agree THAT they all are….excellent, that is.  Written some few years ago, In Search of Excellence by Tom Peters outlined that excellence is a trait that can be identified, and that in business these traits are generally common to those who are in fact identified as excellent.

Excellent Real Estate Professionals

If you want to see excellence, go to and study Bloodhound Realty, Greg Swann’s simply 10 out of 10 web site.  Or spend some time in the San Diego area with Don Reedy or Sandi Hadley.  But to see how good Greg is, or how relentless and professional Don or Sandi are, and how that translates into how good you’ll feel after working with them, you have to understand a few of the principles that define an excellent Realtor.

• Attention To Detail – You know, this has become almost a throw away phrase for folks these days, and what most real estate sales people feel is attention to detail is just attention deficit syndrome in disguise.  Check out how Greg sets you up for complete success in the sale of your home. Now that’s attention to detail.  Check out how an excellent Realtor instructs every buyer how to succeed in their home purchase. Again, true attention to detail.
• Preparation – Every day homeowners list their home, put it on the market, and then suffer because they haven’t prepared.  Preparation for a truly excellent Real Estate Professional means that the home is priced exactly right.  It means that the home is staged exactly right.  It means that if you were to have cleaned out the garage it’s actually totally cleaned out, not just rearranged.  It means that you and the real estate professional who will be representing you know IN ADVANCE how you’ll handle offers and counteroffers.  It means you’ll know IN ADVANCE how you’ll handle requests for repair, delays, and the almost always present “surprise” that lingers in most home buying and selling scenarios.  You can’t sell this many homes, or help so many people, unless every day you insist on complete preparation.
• Yogi Berra – “It ain’t over till it’s over” – This trait of the best Realtors in America, that they know how to finish, is perhaps the least easily measured of those traits.  But it’s really the most important.  After the preparation, and after the process, the purchase or sale of a home is a complicated, highly technical exercise in marketing, contract  law and common sense.  There must be no quit in your real estate representative as you make the journey to complete your goal of buying or selling the home.  You’ll get tired during this process, believe me, since the lenders and lawyers and the clients who want to buy or sell on the other side are relentless in their pursuit of making their goals a higher priority than your goals.  A great real estate agent runs the race all the way to the finish line and beyond, since anything less will keep the gold medal from being rewarded to you.

Tips on Finding an Excellent Realtor

• Study the traits of the Real Estate Professionals we have talked about in this article first.  Read about them, their approach, and their commitment to excellence.
• Ask us for a referral if you don’t live in the San Diego or Phoenix area.  “Birds of a feather stick together”, and we know talented, excellent real estate professionals all around the country.
• Understand that America’s Finest Realtors are found in every city across this wonderful country, but as in all professions the really good ones are mixed together with the not so really good ones.  Success indeed does leave clues, and the purpose of this article is to encourage you to seek out the clues we outlined above so that your real estate sale or purchase will exceed even your own expectations.

You can reach Greg Swann with Bloodhound Realty in Phoenix here.

You can reach Don Reedy/Sandi Hadley with Prudential California Realty in San Diego here.

Buy This Home In Vista

Here’s how to buy this home:

This is a short sale.  Short sales mean that the seller of this home generally owes more to the bank than what the home will sell for.  The owner of the home goes to the bank and asks permission to try to sell at a price that is usually much, much lower than the amount the owner paid for the home.  Therefore, with this home, the asking price of $675,000 is an estimate by the owner of what buyers just like you might pay.

Before we try to buy this home it is absolutely necessary that we are preapproved with a lender.  The owner will not submit our offer to  the bank unless we are approved in advance for the prices we are willing to offer.

Once you’re approved, then let’s make an offer.  You must be willing to wait for an answer back from the bank on whether they will accept your offer or not.  AND, our offer will have to be “AS IS”, meaning that the bank usually is not willing to do any work (including paying for termites) in a large number of cases.

Let’s make an offer on this home

Fill in the form below.  We’ll get back in touch, make sure you’ve got a great lender and a preapproval, and then go see this home.  AND, if this home isn’t exactly what you want, then we’ll make sure you have lots of other options to consider.

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