Is That Really My Credit Score?

I have been a big proponent of “freezing” credit to prevent fraud and identity theft as well as using to check your credit report every 4 months. But, one of the things I dislike about credit bureaus is that when you complete the steps necessary to … [Read more...]

The Big Freeze: How to Protect Your Credit from Fraud

It seems like every time you read the news there is another huge data breach that puts you at risk for credit fraud.  In 2016 there were about 15.4 million consumers affected by fraud.  The problem is so rampant that one has to wonder if there is anything that can … [Read more...]

Loan Pre-Approval vs Pre-Qualification

Pre-Approval vs Pre-Qualification Imagine if you will that you have been shopping for a home.  This may not be too much of a stretch for some readers.  But, you finally found the right home, wrote an offer that was accepted by the seller, have entered escrow, … [Read more...]

The Painful Truth: Why Your Offer Wasn’t Accepted

I have a story to tell that might be painful to some readers.  The pain may be to some home buyers that over paid junk fees, a buyer that didn’t get their dream home, or to one of the many agents that would prefer that I didn’t disclose industry secrets.  But the … [Read more...]

Who Pays What: Closing costs, What every home buyer needs to know

One of the biggest (unpleasant) surprises to a first time home buyer is closing costs.  You have worked hard and saved enough money for a down payment, but for some reason, no one likes to talk about the hidden costs of buying a home.  This is unfortunate because … [Read more...]

How to search for a home: What every buyer needs to know

How to search for a home: What every buyer needs to know We are so blessed to be living in a time with internet access were information is freely shared.  20 years ago, you had to rely on a real estate agent to look through their Multiple Listings book to come up … [Read more...]

How to Pick a Real Estate Agent

Most people only own one home and it is by far the biggest purchase they will ever make.  Buying a home is a lot like hiking.  There are ups and downs, it’s tiring, there are things to avoid, and in the end, you are glad you did it but thankful it is over.  … [Read more...]

The home buying process: What every home buyer needs to know

The home buying process: What every home buyer needs to know I have been representing home buyers and sellers as both a lender and/or a Realtor for about 15 years in the Stockton / Sacramento area. Whether you are a seasoned buyer closing your 10th home or a first time … [Read more...]

Buying a Home After Short Sale or Foreclosure

I have learned a lot in my 10 years as a loan officer and Realtor. I would say that the most important thing to know about real estate is that nothing stays the same; the rules are in a constant state of change. When the housing market crashed, lenders tightened the rules to … [Read more...]

The Expert

Several years ago I lost some clients to another agent. I will admit it was a painful experience and a real kick to my ego. But, unwilling to let it happen again and in an attempt to grow from the experience, I asked the buyers what it was their new agent had to offer that I … [Read more...]