|
|
|
|
|
|
|
|
|
|
- 16 Answers
- 4 Useful Answers
Share this profile
Report this profile
Report this profile
About Me
P.S. It’s my intention that my commitment to world-class service will make your job and your life easier, and you will, in turn, be comfortable referring your clients to me for their real estate needs. I depend on referrals from satisfied clients such as yourself; therefore, I work even harder to make sure that your trust in me is rewarded!
Testimonials
""From our first contact, Pablo was friendly, helpful, and always available and quick to respond to any phone call or email. At our first in-person meeting, Pablo zeroed in on exactly what we were looking for and answered all the questions I had about local real estate as well as filling me in on the culture, demographics, weather, even good places to eat, in Thousand Palm and the entire Desert Area. He then proceeded to show me several properties within my criteria. I brought my wife Blanca out a couple of weeks later to meet Pablo and look at some Residentials and we ended up making an offer days later. From start to finish, the entire process was fast, easy and as enjoyable as it could have been. We never once felt pressured or rushed or ignored, in fact we felt like we were Pablo's only clients. He helped us through every step of the home buying process from start to finish and continues to make himself available for all our needs as we settle in to our new place. We both feel that we now not only know a great real estate agent in Thousand Palms, but have a good friend there as well.""
Carlos Camacho Sat May 10
Carlos Camacho Sat May 10
My Q&A
View all >>
Pablo Gonzal…'s Questions (0)
Pablo Gonzal…'s Answers (16)
Pablo Gonzalez answered:
Four Important Questions To Ask Your Mortgage Lender Before You Sign Any Of Their Documents...
1. Do you have a variety of loan programs to fit my cash flow and expected length of ownership needs?
If you’re going to live in your new home for less than five years, you may want to consider an adjustable rate mortgage or “ARM.”
With an ARM your payments will be lower, but they will go up according to the terms of the loan.
If you’re going to live in your new home for over five years, a traditional fixed-rate mortgage may be a better plan.
2. Do you offer written mortgage pre-approvals, not just pre-qualifications?
A “pre-qualification” is usually a Lender’s opinion of your eligibility for a loan.
If you ask to be pre-approved, the Lender will actually submit your job and credit history to an underwriter and get a conditional approval for a loan and a loan commitment.
The advantage of having a pre-approval is that it will make your offer to buy a home stronger and it will usually allow you to close on the home faster.
3. Do you have the ability to handle difficult credit history?
Many Lenders will only work with you if you have perfect credit, and if a problem comes up, they won’t help you.
Make sure your Lender has reviewed and received approval for you and your specific credit history.
4. Is the rate that you quoted me the rate I will get at closing?
Many Lenders advertise their rates in the paper and in homes magazines. These are what are called “Teaser Rates” in the industry. The name says it all.
After they’ve got you committed to using them, many Lenders then tell you what the “real” rate will be. By this time, it’s too late for you to do anything about it.
1. Do you have a variety of loan programs to fit my cash flow and expected length of ownership needs?
If you’re going to live in your new home for less than five years, you may want to consider an adjustable rate mortgage or “ARM.”
With an ARM your payments will be lower, but they will go up according to the terms of the loan.
If you’re going to live in your new home for over five years, a traditional fixed-rate mortgage may be a better plan.
2. Do you offer written mortgage pre-approvals, not just pre-qualifications?
A “pre-qualification” is usually a Lender’s opinion of your eligibility for a loan.
If you ask to be pre-approved, the Lender will actually submit your job and credit history to an underwriter and get a conditional approval for a loan and a loan commitment.
The advantage of having a pre-approval is that it will make your offer to buy a home stronger and it will usually allow you to close on the home faster.
3. Do you have the ability to handle difficult credit history?
Many Lenders will only work with you if you have perfect credit, and if a problem comes up, they won’t help you.
Make sure your Lender has reviewed and received approval for you and your specific credit history.
4. Is the rate that you quoted me the rate I will get at closing?
Many Lenders advertise their rates in the paper and in homes magazines. These are what are called “Teaser Rates” in the industry. The name says it all.
After they’ve got you committed to using them, many Lenders then tell you what the “real” rate will be. By this time, it’s too late for you to do anything about it.
Pablo Gonzalez answered:
One Example is a Postcard like this:
Here’s How To Get A Free Guide To Covington Real Estate Prices By Mail…
If you’re just starting to look for a home in covigton or covington County, this comprehensive guide could be very helpful. It has:
• Pictures and profiles of 60 house styles in the Covington area by price range.
• Maps of the covigton County area and the most communities.
• Community information and contact numbers including schools and city offices.
To get a free copy of Your Guide To covington Real Estate Prices just call 800-000-0000, ext. 16 for a free recorded message, and your guide will be mailed today!
Pablo Gonzalez, RE/MAX Associates
760-000-0000 http://www.DesertHomeShoppers.com.com
Here’s How To Get A Free Guide To Covington Real Estate Prices By Mail…
If you’re just starting to look for a home in covigton or covington County, this comprehensive guide could be very helpful. It has:
• Pictures and profiles of 60 house styles in the Covington area by price range.
• Maps of the covigton County area and the most communities.
• Community information and contact numbers including schools and city offices.
To get a free copy of Your Guide To covington Real Estate Prices just call 800-000-0000, ext. 16 for a free recorded message, and your guide will be mailed today!
Pablo Gonzalez, RE/MAX Associates
760-000-0000 http://www.DesertHomeShoppers.com.com
Pablo Gonzalez answered:
How Do Sellers Price Their Homes And How Much Should I Offer?
We're often asked by our clients, “How much under the listing price should we offer?” This is an excellent question. The answer is difficult. There are four basic ways that sellers price their homes.
1. Ridiculously Overpriced!
These sellers have listened to a real estate consultant over-inflate the value of their home in an effort to obtain the listing. There’s a natural tendency on the part of sellers to list with the real estate consultant who gives them the highest promise. Some real estate agents give the seller a high “value” in an effort to obtain the listing.
These homes can be 10 to 20% overpriced. These sellers may need a “dose of reality” for a few months
before they begin to realize that their home is way overpriced as compared to others in the area.
The longer an overpriced home is for sale, the more likely we can get the seller to face reality and sell at a fair price.
2. A Little Overpriced…
Perhaps 75% of all homes for sale are priced in this range.
These sellers fall into two categories:
o Those who feel their home is worth every penny of their asking price.
o Those who want to leave a little “negotiating” room. These homes can be four to 10% overpriced.
3. Priced At Fair Market Value…
These sellers have carefully and realistically studied other homes for sale. They’ve priced their homes very competitively. These homes usually sell within four weeks at or very near the listed price.
In an active market, timing is everything.
In the good old days, you might have the luxury of viewing a home several times – even dragging your relatives to see it – before you actually made an offer.
“He/she who hesitates is lost” aptly explains buyers who dally when making a buying decision today.
4. Priced Below Fair Market Value…
These homes are priced below value. Perhaps the seller wants a fast sale.
Perhaps the real estate consultant recommended too low a price.
These homes usually sell within seven to 10 days, at or above the listed price.
There usually are competing offers in this situation, and you may need to make your first offer your best offer.
We're often asked by our clients, “How much under the listing price should we offer?” This is an excellent question. The answer is difficult. There are four basic ways that sellers price their homes.
1. Ridiculously Overpriced!
These sellers have listened to a real estate consultant over-inflate the value of their home in an effort to obtain the listing. There’s a natural tendency on the part of sellers to list with the real estate consultant who gives them the highest promise. Some real estate agents give the seller a high “value” in an effort to obtain the listing.
These homes can be 10 to 20% overpriced. These sellers may need a “dose of reality” for a few months
before they begin to realize that their home is way overpriced as compared to others in the area.
The longer an overpriced home is for sale, the more likely we can get the seller to face reality and sell at a fair price.
2. A Little Overpriced…
Perhaps 75% of all homes for sale are priced in this range.
These sellers fall into two categories:
o Those who feel their home is worth every penny of their asking price.
o Those who want to leave a little “negotiating” room. These homes can be four to 10% overpriced.
3. Priced At Fair Market Value…
These sellers have carefully and realistically studied other homes for sale. They’ve priced their homes very competitively. These homes usually sell within four weeks at or very near the listed price.
In an active market, timing is everything.
In the good old days, you might have the luxury of viewing a home several times – even dragging your relatives to see it – before you actually made an offer.
“He/she who hesitates is lost” aptly explains buyers who dally when making a buying decision today.
4. Priced Below Fair Market Value…
These homes are priced below value. Perhaps the seller wants a fast sale.
Perhaps the real estate consultant recommended too low a price.
These homes usually sell within seven to 10 days, at or above the listed price.
There usually are competing offers in this situation, and you may need to make your first offer your best offer.
Pablo Gonzalez answered:
Five Simple Things You Need To Know To Make The Home Buying Process Easier
In reality, there are only five things you need to know and do to make your home buying experience as simple as possible.
1. Get pre-approved for your loan.
If possible, get “pre-approved” for a loan in the amount you’re willing to borrow.
With this pre-approval, you’re in a stronger position to buy a home when you’re ready – rather than finding your dream home, only to lose it to another buyer because you were waiting on the approval.
2. Find a great real estate consultant.
Once you’ve decided to buy a home, find a great real estate consultant. What you’re looking for is a Buyer’s Agent. This means that the consultant represents YOU as the buyer, rather than the person selling the home.
They will have YOUR best interests at heart. Really good consultants know their markets, and will help you find the best match for your needs and wants.
They can also recommend mortgage brokers with whom they’ve worked in the past.
3. Look before you leap.
Drive around the neighborhood at different times of day. Get out and walk around and chat with neighbors. Some people like friendly neighbors, others think of them as nosy.
Drive to the local grocery store, laundry, anywhere that you frequent. Visit nearby schools and see for yourself how the kids behave and how the grounds look. The point is to see if this is really the type of neighborhood you want to live in BEFORE you make an offer.
4. Be prepared.
Make sure your contract has reasonable contingencies included to protect you as a buyer. Reasonable can be things like approval by a home inspector, and title clearance.
For the long-term investment, make sure that you buy homeowner’s insurance, and upgrade it as the value of your new home and its contents increase.
5. Be reasonable.
No home will be without flaws. Many times it’s these flaws that lend character to older homes, but nonetheless, it will take SOME work to personalize any home.
Preparing yourself with these five simple things – loan pre-approval, a great broker, getting to know the neighborhood, protecting yourself, and being reasonable – will help make the home buying process easier for you and your family.
In reality, there are only five things you need to know and do to make your home buying experience as simple as possible.
1. Get pre-approved for your loan.
If possible, get “pre-approved” for a loan in the amount you’re willing to borrow.
With this pre-approval, you’re in a stronger position to buy a home when you’re ready – rather than finding your dream home, only to lose it to another buyer because you were waiting on the approval.
2. Find a great real estate consultant.
Once you’ve decided to buy a home, find a great real estate consultant. What you’re looking for is a Buyer’s Agent. This means that the consultant represents YOU as the buyer, rather than the person selling the home.
They will have YOUR best interests at heart. Really good consultants know their markets, and will help you find the best match for your needs and wants.
They can also recommend mortgage brokers with whom they’ve worked in the past.
3. Look before you leap.
Drive around the neighborhood at different times of day. Get out and walk around and chat with neighbors. Some people like friendly neighbors, others think of them as nosy.
Drive to the local grocery store, laundry, anywhere that you frequent. Visit nearby schools and see for yourself how the kids behave and how the grounds look. The point is to see if this is really the type of neighborhood you want to live in BEFORE you make an offer.
4. Be prepared.
Make sure your contract has reasonable contingencies included to protect you as a buyer. Reasonable can be things like approval by a home inspector, and title clearance.
For the long-term investment, make sure that you buy homeowner’s insurance, and upgrade it as the value of your new home and its contents increase.
5. Be reasonable.
No home will be without flaws. Many times it’s these flaws that lend character to older homes, but nonetheless, it will take SOME work to personalize any home.
Preparing yourself with these five simple things – loan pre-approval, a great broker, getting to know the neighborhood, protecting yourself, and being reasonable – will help make the home buying process easier for you and your family.
Pablo Gonzalez answered:
We Can
Save Your Home
Stop the nightmare. End the humiliation
of foreclosure. We can offer you a way to
continue to live in your home, affordably.
You can Save Your Credit
Eliminate your Mortgage Debt We will take title and fight the
foreclosure. You can lease back your
home affordably. Then, when we clear
up the foreclosure problem, you can
take title to your home back at
20% BELOW MARKET VALUE
OR
If you would rather, we will sell your
home and give you 15% of the sales
price .
Are you facing Foreclosure?
• Refinancing is not an option if your credit
score is too low and in foreclosure.
• Bankruptcy will ruin your credit for 10 years
• Cure the Default—if you could do that you
wouldn’t be in Foreclosure!
• Litigation—Is not realistic for most homeowners
because it can take years and
could cost a hundred thousand dollars
• Sell— Home prices have dropped so much
you owe more than the house is worth
• Negotiate— Why renegotiate a new loan
with the Bank that sold you a BAD LOAN.
Negotiations help the Bank, NOT YOU.
• Walk Away— Why walk away with no
money, bad credit and a possible deficiency
judgment?
Now You Have Options
NO Cost to You
Now You Have Options
United First, Inc. (U1st) will pay all the
legal expense to fight your lender in
court. We never ask you to pay a
dime for this.
What is in it for you?
• You can stay in your home.
• Pay considerably less than your
current payments
• Your Credit can be repaired
• Equity Share 15-20% of the future
sales price
• We can make it affordable for you
to continue to live in your home.
• We can bring the debt down to a
reasonable and manageable level
that you can afford.
• You save moving expenses
• You save Security Deposits
• Peace of Mind
Compare Now:
• Must move in 2-4 months
• Horrible Credit
• Security Deposits wherever You Move
• Moving Expense
• Lost Investment
• Humiliation
• Possible Deficiency Judgments
Vs.
With United First*
• Transfer Property so we fight for you
• You pay rent based on what you can
afford
• You can take title back for 20% under
market value
• Old debt is eliminated
• Credit maybe Restored
• No Cost—No Risk– No Obligation
* With Litigation nothing can ever be guaranteed but remember there is no cost and no risk to you.
Save Your Home
Stop the nightmare. End the humiliation
of foreclosure. We can offer you a way to
continue to live in your home, affordably.
You can Save Your Credit
Eliminate your Mortgage Debt We will take title and fight the
foreclosure. You can lease back your
home affordably. Then, when we clear
up the foreclosure problem, you can
take title to your home back at
20% BELOW MARKET VALUE
OR
If you would rather, we will sell your
home and give you 15% of the sales
price .
Are you facing Foreclosure?
• Refinancing is not an option if your credit
score is too low and in foreclosure.
• Bankruptcy will ruin your credit for 10 years
• Cure the Default—if you could do that you
wouldn’t be in Foreclosure!
• Litigation—Is not realistic for most homeowners
because it can take years and
could cost a hundred thousand dollars
• Sell— Home prices have dropped so much
you owe more than the house is worth
• Negotiate— Why renegotiate a new loan
with the Bank that sold you a BAD LOAN.
Negotiations help the Bank, NOT YOU.
• Walk Away— Why walk away with no
money, bad credit and a possible deficiency
judgment?
Now You Have Options
NO Cost to You
Now You Have Options
United First, Inc. (U1st) will pay all the
legal expense to fight your lender in
court. We never ask you to pay a
dime for this.
What is in it for you?
• You can stay in your home.
• Pay considerably less than your
current payments
• Your Credit can be repaired
• Equity Share 15-20% of the future
sales price
• We can make it affordable for you
to continue to live in your home.
• We can bring the debt down to a
reasonable and manageable level
that you can afford.
• You save moving expenses
• You save Security Deposits
• Peace of Mind
Compare Now:
• Must move in 2-4 months
• Horrible Credit
• Security Deposits wherever You Move
• Moving Expense
• Lost Investment
• Humiliation
• Possible Deficiency Judgments
Vs.
With United First*
• Transfer Property so we fight for you
• You pay rent based on what you can
afford
• You can take title back for 20% under
market value
• Old debt is eliminated
• Credit maybe Restored
• No Cost—No Risk– No Obligation
* With Litigation nothing can ever be guaranteed but remember there is no cost and no risk to you.
My Listings
View all 5 listings
Specialties
P.S. BY REFERRAL ONLY means that I dedicate 100% of my energy toward serving my clients. This focused approach has provided me with the time to enhance my education and experience so I can guarantee a fully professional level of service to you. As a result, my valued customers, suppliers and friends refer their family members, coworkers, neighbors and other people they know to me for advice and consulting services. My goal is to build strong, lifelong relationships, one person at a time.
Experience
Latest:
Real Estate Consultant for Remax Real Estate Consultants
(Buying a home/Selling a home can be as nerve-wracking as it is exciting. Hang in there! We’d like to invite you to take a deep breath, put your feet up, and enjoy a quiet evening. We’re enclosing a gift card to your local video rental store and a pack of popcorn to get you started.
We want you to know how much we’re enjoying working with you, and that your happy outcome is our top priority. We also want to remind you that when you refer your family, friends and colleagues to us, it allows us to devote our time to (getting your home sold/finding your dream home rather than spending our time looking for new clients. If someone you know is looking for (real estate) advice, we would be honored if you would give us the first chance to be of assistance. Our promise, as always, is that we will provide anyone you refer to us with the same level of service that we are providing to you.
Thanks again...and sit back and relax!
Your Real Estate Consulting For Life
January 2003—present
Certifications & Awards
2006 Ececutive Club
Interests
P.S. I value and appreciate your referrals. As always, I promise to deliver such outstanding service that your clients will thank you for referring them to me. Give me a call if you know someone who needs a dedicated Real Estate consultant.
View Pablo Gonzalez's...
Profile
Pablo Gonzalez is a member of Trulia Voices:
Get the inside scoop on your area and home buying and selling.
Ask and answer questions about real estate.
Build your profile and contact home buyers, sellers and agents.
Company Info
Trulia Links
Real Estate Professionals
Residential Real Estate
San Francisco real estate | New York real estate | Los Angeles real estate | Orlando real estate | Miami real estate | Philadelphia real estate | Phoenix real estate | San Diego real estate | San Jose real estate | Chicago real estate | Arizona real estate | California real estate | Florida real estate | Illinois real estate | Massachusetts real estate | New Jersey real estate | Pennsylvania real estate | Texas real estate | Other local real estate | Home price maps | Real estate community | U.S. Property records
Legal
General Terms of Use |
Advertiser Terms of Use |
Trulia Pro Terms of Use |
Privacy Policy |
Community Guidelines
Copyright © 2008 Trulia, Inc. All rights reserved. | 
Fair Housing and Equal Opportunity