Buyer Information Coldwell Banker Northern California
Northern Marin Office

Congratulations!  You are about to embark on the exciting journey of finding a new home.  Whether it’s your first home, retirement home, or investment property; I will make the experience fun and exciting as we find the perfect home for you.
 
As the real estate market becomes more advanced (and even more complex), I am constantly striving to improve my services and add to my insight.  Keeping up with what is going on in the marketplace allows me to design services and plans especially for you.
 
Most people will only buy a few homes in their lifetime.  Therefore, this is a big undertaking in your life.  I believe that in order for you to feel comfortable during this process you will need to be well equipped and armed with up-to-date information.  I have put together some information on the home-buying process, and other information you will find helpful.  You will know what to expect every step of the way.

I look forward to guiding you on this journey.  It is very rewarding to help people find a home of their dreams. 

Bringing Home Results,

 Jean Nicol   

Coldwell Banker

Finding a Good Agent
What I Can do for You
Benefits of a Buyer's Agent
 
Preparing To Buy a Home
Getting Prepared
First Time Buyers
Renting vs. Owning
How Much Do I Need
What Can I Afford?
Income vs. Debt Ratios
Estimate Your Buying Power
Understanding Your Credit Score
Examining Your Credit History
Getting Pre-Approved
 
Finding A Property
Are You Ready To Find A Property?
Visiting Open Homes
Using A Property Checklist
Other Considerations
 
Making an Offer
The Basics Of Making An Offer
The Purchase Agreement
What You Need To Know
Negotiating
How Much Should I Offer?
 
Finding a Home Loan
What Is A Mortgage?
Typical Mortgage Providers
Choosing A Mortgage
Fixed Rate Mortgages
Adjustable Rate Mortgages
Common Questions
Loan Applications
Loan Application Checklist
The Underwriter
What Will Be Included In My Mortgage Payments?
Your Rights As A Consumer
 
Closing The Deal
What Is Escrow?
The Sale Process
Your Responsibilities
Buyer Disclosures 101
The Loan Process
Closing Costs
Who Pays For What?
The Escrow Process
Property Tax Calendar
 



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