Bernadette Ramirez

How Much House Can I Afford?
November 14, 2011 · · 3 Comments

Well that depends…. how are you planning on purchasing your home? Do you have cash? Are you planning on getting a loan; if so, have you received a pre-qualification letter from your lender yet? Once you establish the way you will be funding the purchase of your home then we can figure out which steps you will need to complete to accomplish this.

Cash is pretty self explanatory. Lets talk about financing a bit. A serious buyer, in need of a loan to purchase a home will need to contact their lender for a pre-qualification letter. This is most often wanted, to be included in your offer package, when submitting to the banks in a short sale, reo and even Sellers in a regular sale. If you are in need of a lender remember, to make things easier on you, Prudential San Bruno, has a really good Mortage Company relationship that works  in house , Guarantee Mortgage 650.589.1000.  What else can I say but they are nothing less than awesome!

 Actually getting a pre-approval often times can speed the home buying process up. Your lender will need to evaluate your debt to income ratio in order to establish how much house you can actually afford.    Read more

PruCalVoices

It’s Still My House!! Well….
August 24, 2009 · · 6 Comments

home ownersThis is the place you’ve rested your head, had numerous family gatherings and lovingly taken care of for years. You’ve decided to put your home on the market and while you understand this will involve some inconvenience, the buyers will understand this is still my home, right? Well, while this is technically true, the sooner you make the transition to thinking of your home as a product to sell, the better off you will be. Read more

Jean Joh

How To Be A Great Real Estate Client
September 14, 2008 · · 1 Comment

“How can I be a great client to my real estate agent?” Okay, this is probably not on the top ten list of Frequently Asked Questions…probably not even the top one hundred…I’ll admit it – I have NEVER in my real estate career been asked this question by a client. I have invested countless hours into preparing to be the best agent I can be – reading books and articles, attending classes and seminars, keeping on top of the inventory in the area – but I have yet to see a book called, “Being a Great Real Estate Client for Dummies” or the like. And so, I thought it would be an interesting exercise to turn the tables and talk a little about what it takes to be the type of client that a real estate agent would love to work with.  Read more