Hi lacey Mast, Home Buyer in McKinleyville, CA:
While many refer to this current economic real estate cycle as a buyers market and encourage you to use a buyers agent for your best possible representation and not to use a licensed real estate agent but only a realtor, you may miss out on a qualified professional that is full service and very experienced, skilled, and compitent to represent your every buyers need in this very competitive market. To
First things first. Let me advise you to seek a loan approval from a qualified loan processor professional.
You may know of someone you already have a relationship with in your banking history or someone your family can refer you to locally. If not walk in to one of the mortgage companies or banking institutions, sit down and begin to ask your questions how do you get started. After interviewing, you will know who you feel confident in sharing more information with as you will have to bring forth your fianncial inforamtion to have it verified and documented as part of your loan approval process.
Humboldt Mortgage, Briton Mortgage, Coast Central Credit Union, Wells Fargo, Bank of America just to name a few...! this is for you to hve the luxury of being face to face iwth a local lender and be able to stop in by appointment any time you need to.
You can also do this on line in the comfort and privacy of your home! These are very credible and reliable resources and have provided many people with qualified infomed information on line on their web sites, as well as preapprove them timely with less biased opinions. If you are computer savy, and dont need hand holding through the process or desire the need to be face to face across the table, then I may like to make a few suggestions for very trustworthy and reliable online lender resources for your preapproval process.
Now lets talk more about your selection of a realtor/licensed real estate agent/ broker to represent you. It annoys me to say the least whenever I hear another real estate professional say never to use a licensed real estate agent. First of all, it has no real bearing on the work experience of the licensed agent, or the realtor or broker for that matter. One can be of years of quality successful experience or not. It does not guarantee the code of eithics one uses when he or she performs. Nor does it guarantee the continuing education or other educational workshops, seminars and training one has invested in for their performance to earn the business of the buyer or seller clients.
To be candid, I am a qualified licensed real estate professional working in our Real Estate Industry here in Humboldt County, and other neighboring counties. You need only look at my resume of 16 years this October, 2009 to know I have years of successful real estate experience, education, commitment and passion for what I love to do. I work with a very high code of ethics, integrity, and care for each and every client. My former clients have become my repeat business, provided me with referrals and testimonies.
Licensed real estate agent merely means you are a MLS member and not a Humboldt Association member.
I have been a C.A.R. member all the 15 year s of my license until I came to Humboldt County and joined an office that was a non member as there are so many non members in Humboldt County. I am now working for a corporate company that is a national brand name company. At some time soon I may become a member of Humboldt Association of Realtors by choice for many different reasons.
I strongly urge you not to ever discount the skills of a professional in our industry merely because someone suggests never to consider anyone but.
I am proud to say I will be again, be candid, and share with you I am a listing agent! I'm proud to be sellers agent! That does not mean I work only for the seller!Yes I represnet the seller on one side of transaction. I have made many successful sales representing buyers and sellers alike. I have often sold my listings representing both parties and doing it with a high standard of code of ethics, integrity, privacy of fiduciary agency. You will want to work with an California Licensed professional in our real estate industry whether she or he is a realtor or designated California Licensed real estate agent for proper representation in your purchase. A buyer's agent who only works with buyers does not have a well rounded experience to know both sides effectively for your best interest. Buyers Agency forms are being used, I dont use them.I dont work from a place of fear. I want to earn my buyers and sellers business because as I am a professional who is always available, listens to hear, flexible to adapt to change, intuitive to know when to change strategy for your best interest and so many more skills.Our business is still about relationship-skill.