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Steve Ornellas: MBA, RE Masters, GRI, ABR, e-PRO, CMPS, Real Estate Professional in Fremont, CA

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Steve Ornellas: MBA, RE Masters, GRI, ABR, e-PRO, CMPS

"Expect Excellence. Get What You Expect.™"

242 Helpful Answers
1,125 Answers
1 Blog post

Broker at Steven Anthony Real Estate & Financial Svcs

Locations:

Fremont, Newark, Livermore, Pleasanton, San Ramon, Hayward, Union City, ... show more

Web sites:

Client Testimonials, Background+Experience

Profile Link:

http://www.trulia.com/profile/SteveO/

Overview

Q&A (1,125)

Resume

Blog

Resume »

Experience:

Broker (#01431243) for Steven Anthony Real Estate & Financial Services May 2004—present
Became a licensed Real Estate Broker, CA Department of Real Estate #01431243

Specialties:

Residential Buyer/Seller Representation; Residential Financing; Financial market and interest rate analysis; Cash flow and debt analysis; Real estate equity ... show more

Certifications
& Awards:

M.B.A. (Management) [Summa Cum Laude Level Honors]
B.S. Computer Science (Systems) M.B.A. (Management) [Summa Cum Laude Level Honors]
B.S. Computer Science (Systems)
B.S. Business Administration (Marketing)
A.A. Degree, Computer Studies
A.A. Degree Real Estate Sales & Brokerage
Beta Gamma Sigma Business Honor Society

Graduate, REALTOR® Institute (GRI)
The Graduate REALTOR® Institute (GRI) symbol is the mark of a real estate professional who has made a commitment to providing a superior level of professional services by earning the GRI designation. REALTORS® with the GRI designation are highly trained in many areas of real estate to better serve and protect their clients. Only 2% of California Real Estate Licensees have earned the GRI certification. Steve completed the qualifying exams with a 95% pass rate.

Graduate, Real Estate Masters
The R.E. Masters™ program for GRIs is an advanced series of courses for REALTORS® who have already earned their GRI designation. Steve completed the qualifying exams with a 92% pass rate.

Graduate, Certified Mortgage Planning Institute (CMPS)
Using nationally recognized experts as instructors, the CMPS Institute educates mortgage professionals on how to integrate sound financial planning advice into the mortgage process. CMPS graduates have developed five essential skill sets including: 1) Financial market and interest rate analysis, 2) Cash flow analysis, 3) Debt analysis, 4) Real estate equity management, and 5) Real estate investment analysis. Steve completed the qualifying exams with a 99% pass rate.

Real Estate Buyers Agent Council, Accredited Buyer’s Representative (ABR) Certification
The Real Estate Buyers Agent Council, REBAC, was founded in 1988 to promote superior buyer representation skills and services. An affiliate of THE NATIONAL ASSOCIATION OF REALTORS since 1996, less than 1,000 Realtors® in California have earned the Accredited Buyer’s Representative (ABR) certification (only 40,000 Realtors® in the entire Nation are ABR certified) . REBAC is the world’s largest organization of real estate professionals concentrating on buyer representation. Members who meet all course and professional experiential requirements are awarded the ABR and/or ABRMSM (Accredited Buyers Representative Manager) designation(s). Both are the only designations of their type recognized by NAR.

e-PRO®
e-PRO® is a revolutionary training program to certify real estate agents and brokers as Internet Professionals. The NATIONAL ASSOCIATION OF REALTORS® is the first major trade group to offer certification for online professionalism.
Steve completed the qualifying exams with a 98% pass rate. ... show more

About:

I am a full-time licensed California Real Estate Broker. In addition to being a REALTOR® who operates under the National Association of REALTORS® strict ... show more

Testimonials:

"Our overall impressions of the services are nothing short of first rate! All I can say is that Steve was just exactly what we needed. He is very experienced,

"Our overall impressions of the services are nothing short of first rate! All I can say is that Steve was just exactly what we needed. He is very experienced, knowledgeable, resourceful and updated on the current market and technologies. We have a multiple property situation and his background with his personality complemented our needs very well. I will miss his emails, voicemails, texts and our time on the phone."
Stephen & CL J. Mon Apr 13

"Outstanding. It was a long process in a tumultuous real estate world/economy; but at no time did I feel rushed, pushed or at a loss for information. I ended up with a dream house at an even dreamier price. I will definitely recommend Steven Anthony to everyone I know. The advice and attention received is unmatched. No one else will treat your money as if it was their money being invested."
Isabel L. Wed Jan 7

"Steve was highly recommended by a personal friend...After our first meeting I felt he was most definitely the guy to hire...All transactions were very organized. Steve's knowledge of real estate was most impressive. My level of stress dropped tremendously. He's punctual, efficient and detail oriented. I also highly recommend Steve to anyone in need of a real estate agent."
Etta N. Mon Dec 1, 2008

"I was pleased to receive an excellent quality of service. Steve is extremely knowledgeable in Real Estate and Finance. He operates in a timely fashion and is a pleasure to conduct business with. Steve excels in his ability to find creative solutions to fit the particular needs of his clients, and my experience is a testament of it…I was so impressed that when it came time to refinance my home, I once again turned to Steve."
William W. Wed Nov 26, 2008

"Absolutely incredible level of service. We were extremely lucky to have Steve as our Buyer’s Agent. The level of service is extraordinary. Steve is incredibly knowledgeable, always prepared for meetings, punctual and extremely responsive. We felt Steve was protecting our interests throughout the whole process. He absolutely spoiled us with his attention. We can go on and on about our perfect experience with Steve, but just wanted to say if you are looking for your Real Estate Agent LOOK NO FURTHER!"
Sergey & Kate K. Fri Aug 14

"After interviewing another real estate agent, we decided Steve was the right choice due to his expertise in Real Estate and Mortgage Loans…I felt that Steve made us a priority. He always answered phone calls in a quick manner…Steve was right by our side during the negotiation process…He was right on top of it when new homes came on the market. He treated us with full respect…Steve is a good person to have by your side when making a life changing decision about buying a house. He makes his clients feel important."
Dave & Amy W. Wed Nov 12, 2008

"Steve was fully committed to helping us find the house that was right for us. We valued Steve's attention to detail, his extensive knowledge, and especially his high moral character. Thank you Steve for all your hard work!"
Patrick & Lisa M. Mon Nov 10, 2008

"10+++ was and still is my impression of the outstanding service that I received...Steve Ornellas truly is the perfect example of what a Real Estate agent should be... he's got what it takes to make you feel comfortable and at ease during your stressful experiences before, during, and after escrow... he's got what it takes to make a difference with his overwhelming knowledge and people skills!!! Not only will I recommend your services to my family but everyone that I know."
Sylkie G. Fri Nov 7, 2008

"This is our 4th & 5th Real Estate transactions in our marriage. As far as competency, reliability, diligence, efficiency and PATIENCE, no Realtor we have used in the past can stand on the same podium as Mr. Ornellas. We feel very fortunate to have met him, entrusted him and befriended him."
Steve & Josie W. Tue Nov 4, 2008

"Steve took the time to understand what kind of home I was looking for and answer the many questions I had as a first time buyer. I would unhesitatingly recommend him for his professionalism, attention to detail, good humor and kindness. I did not know what to expect, and I received excellence. Thanks Steve!"
Georgina L. Tue Oct 28, 2008

Recent Q&A »

Why do banks want an offer on a property first before they get you pre-approved?

Asked Fri Nov 20 2009, 21:32 by Ryan Dungo - Home Buying in Los Angeles - 7 answers

Steve Ornellas: MBA, RE Masters, GRI, ABR, e-PRO, CMPS answered:

Hi Ryan,

It sounds like you know there is a big difference between a formal Pre-Approval and Pre-Qualification. You can read more about the difference here: http://www.Steven-Anthony.com/default.aspx?pp=39377 (Make sure you get a Pre-Approval along with an email from the loan agent that states you have a "DO" or "DU Accept" covered in the link above. The result of this effort will help narrow down the "where" of your "Where should I start my home search?"

Certainly, in this market, you will not be taken seriously if you attempt to make an offer without a strong Pre-Approval letter. There are three primary conduits that you can use for your financing (retail, bank, broker), which are described here:
http://www.trulia.com/voices/Home_Buying/What_s_the_advantag…

My suggestion WOULD NOT be a retail bank unless it is absolutely necessary, since you will only be exposed to their mortgage rate for the loan product you desire.

If you will be comparing the quotes of different lenders this should be done by asking for a Good Faith Estimate (GFE) from each lender, for the same product, on the same day, at the same time!

To be well-informed before making a Real Estate financing decision please also review these two 2-page docs as well:
http://docs.Steven-Anthony.com/SAR-HowMortgageRatesAreDeterm…
http://docs.Steven-Anthony.com/RateShopping-DoItRight.pdf

Best, Steve - Sat Nov 21 2009, 08:28

Recent Blogs »

"Coming to a neighborhood near you: REO Shadow Inventory"

New comment posted Mon Nov 2 2009, 18:27 by Steve Ornellas: MBA, RE Masters, GRI, ABR, e-PRO, CMPS
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