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Sheila @
VenturaCountyEstates 

   
Buyers' Guide


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Time Saving Tip

Find a Realtor® you like and give her a chance!  The Multiple Listing Service (MLS) makes it possible for agents to show you each and every property that is currently available despite the fact that it may be listed with another real estate firm. For some reason, many buyers believe that they are not going to see all available properties if they only work with one agent. This couldn't be further from the truth. 

It's not really in a buyer's best interest to switch from agent to agent and here's why:  First of all,  you'll end up explaining yourself over and over again.  Each agent will need to know what you want  and what you qualify for.

Next, so you don't waste time looking at the same properties again and again, you'll have to keep a list of what you've seen and make sure each agent knows what you've already seen.

Further, you'll have to explain to each agent what you liked and disliked about the places you've already seen.  No problem - if you like to hear yourself talk -  but this is normally a waste your valuable time.

 



Why work with Sheila Jacketti?

Sheila can save you both time and money. Typical services she provides include:

Up to the minute notification of new listings that meet your specifications or an e-mail link that allows you to search at your leisure from the comfort of your own computer. This is a search through the entire Multiple Listing Service (MLS) for ALL the properties that meet your needs - other Brokers' listings too!
Helping you understand all of the available loan programs and determine what financing method is best for you.
Putting you in contact with a competent lender who handles the type of financing that suits your needs.
Show you ALL the homes available, including for-sale-by-owners and listings of other companies that meet your needs.
Provide information to you – both positive and negative about properties and areas to help you make a wise choice (Is the property priced correctly? How are the schools? Where are the schools? How close is the nearest public transportation? Is there Mello-Roos? What is the percentage of owner occupied vs. tenant occupied housing in the immediate neighborhood? etc.)
Complete all of the appropriate paperwork and give understandable layperson’s explanation of what it all means.
Negotiate the purchase on your behalf in order to obtain the best price and terms possible.
Orchestrate the escrow process to make sure that all the terms and timelines in the contract are adhered to and that escrow closes as scheduled.
Answer your questions as they arise.

All of these services are Free to you – fee is paid by the Seller when the escrow closes.



WHO PAYS FOR WHAT
In A Typical Real Estate Transaction


SELLER

  • Real Estate Commision

  • Document Preparation Fee for Deed

  • Documentary Transfer Tax, If Any

  • Payoff of All Loans in Seller's Name

  • Interest Accrued to Lender Being Payed Off 

  • Statement Fees, Reconveyance Fees,
  and Any Prepayment Penalties

  • Termite Inspection (or According to
  Contract)

  • Section 1 (Existing Damage) Termite Work
  (or According to Contract)

  • Home Warranty (or According to Contract)

  • Any Judgements, Tax Liens, etc.,
  Against Seller

  • Tax Proration (For Taxes Unpaid at Time
  of Transfer of Title)

  • Any unpaid Homeowner's Dues

  • Recording Charges to clear all Documents
  of Record against Seller

  • Any Bonds or Assessments  (or According
  to Contract)

  • Any and All Delinquent Taxes

  • Notary Fees

  • Escrow (One-Half)

  • Title Insurance Premium for Owner's Policy

  • Homeowner's Transfer Fee

  • City Transfer/Conveyance Tax  (or
  According to Contract)
    		•    

    BUYER

  • Title Insurance Premium for Lenders Policy

  • Escrow Fee (One-Half)

  • Document Preparation (If Applicable)

  • Notary Fees

  • Recording Charges for all Documents in
  Buyer's Name

  • Tax Proration (From Date of Acquisition)

  • All New Loan Charges (Except those required by 
  Lender for Seller to pay)

  • Interest on New Loan from Date of Funding to
  30 Days prior to First Payment Date

  • Assumption/Change of Records Fees for Takeover
  of Existing Loan

  • Beneficiary Statement Fee for Assumption of
  Existing Loan

  • Section 2 (Preventative) Termite Work (or
  According to Contract)

  • Inspection Fees (Roofing, Property Inspection,
  Geological, etc.)

  • Fire Insurance Premium for First Year





    • (805) 384-0124