The Best Time to Buy or Sell a Home depends on where you live. But, here in San Diego, we don’t suffer pronounced slow down in the market like many other areas in the country. And I have found that November is a great month to buy a home and get some good deals. And if you are selling a home, you will be dealing with a lot of SERIOUS buyers. There are many homes on the market that didn’t sell during the summer months, either because they were priced to high, or they may need more renovation work than buyers wanted to take on. With effective and skilled negotiations, these properties can be picked up for a great price. Please call me for more information, I would love to help you get a deal or sell your home. Craig Sutliff Real Estate Consultant & Mortgage Planner Email: Craig@GreenMeansGrow.com Cell: 619-857-
There is a significant, Looming Threat Posed by Air Conditioning Units to home buyers, home sellers and any homeowner that owns an older central A/C unit. And this threat can mean a BIG hit to your pocketbook! For more information, please call or email me, I am happy to help: Craig Sutliff, Real Estate Consultant & Mortgage Planner The GreenHouse Group Cell: 619-857-4954 Email: Craig@GreenMeansGrow.com BRE Lic# 01735288 NMLS ID
Beware of Poor Home Flips! Lurking in the Kitchen
Scariest Situations for Home Buyers & Sellers – Part 4 So, where are we? We have an accepted offer, the home inspection went well, we successfully negotiated a Request for Repairs, the appraisal supported the purchase price, the buyer has removed all contingencies and now it is an unconditional offer. The finish line is in sight. But, there are still a few more “scary” steps ahead of you. For one, the lender needs to get the final loan documents to the escrow company so the buyer can meet with a Notary to sign everything. Now that part can be a little intimidating and nerve-racking for a buyer. That is why it is very important for the loan officer to review the Estimated Settlement Statement or Loan Estimate with the buyer(s) BEFORE they sit down with the Notary. This ensures a less-stressful, and less-scary, loan signing. Next is for the buyers to conduct the Final Walkthrough of the home, contractually this is to be done 5 days before the close of escrow. This is important to confirm that the home is in relatively the same condition as when the offer was accepted and no damage was done when the seller moved out. Now the seller is also supposed to remove all personal items from the home, but often some things are left behind, like yard products (fertilizers, bug sprays, etc.) And while the seller is required
Scariest situations for home buyers & sellers. Contact me for more information, I am happy to help you buyer or sell real estate in San Diego. Craig Sutliff The GreenHouse Group Craig@GreenMeansGrow.com 619-857-
Learn How to be a Millionaire! The Millennial Millionaire Maker Please contact me at: Craig@GreenMeansGrow.com Cell: 619-857-
The Skinny on Pre Qualification Getting pre-qualified is the initial step in the mortgage process, and it’s generally fairly simple. You supply a bank or lender with your overall financial picture, including your debt, income and assets. After evaluating this information, a lender can give you an idea of the mortgage amount for which you qualify. Pre-qualification can be done over the phone or on the internet, and there is usually no cost involved. Loan pre-qualification does not include an analysis of your credit report or an in-depth look at your ability to purchase a home. The Skinny on Pre Approval Getting pre-approved is the next step, and it tends to be much more involved. You’ll complete an official mortgage application, then supply the lender with the necessary documentation to perform an extensive check on your financial background and current credit rating. (Typically at this stage, you will not have found a house yet, so any reference to “property” on the application will be left blank). From this, the lender can tell you the specific mortgage amount for which you are approved. You’ll also have a better idea of the interest rate you will be charged on the loan. With pre-approval, you will receive a conditional commitment in writing for an exact loan amount, allowing you to look for a home at or below that price level. Obviously, this puts you at an advantage when dealing with a
Much time has passed, and many people don’t really know how the whole Subprime Mortgage Meltdown happened. People who have seen the recent movie, “The Big Short” have a much better idea, but for those who have not, take a look at this quick video and you will have a better understanding of just what happened. It is pretty funny, but has a few “bad” words in the text near the end, so for the easily offended…harden yourselves! Trust me, you will come out enlightened…..or something else. Cheers, Craig Sutliff Mortgage & Real Estate Consultant The GreenHouse Group. Cell: 619-857-4954 Email: Craig@GreenMeansGrow.com
How to choose a real estate agent to help you buy or sell a home. Most people start their search online or seek the advice of friends. Some people will seek out top producing agents or start at some of the big companies such as Century 21 or Prudential. But, will that guarantee you of an exceptional agent, or even, an exceptional experience? Experience shows that what matters most is finding an agent that you have a personal connection with, and who is going to have a laser-like focus on your needs and do everything to achieve the goals. If you’re looking for an agent that will work tirelessly for you, then look no further. Please give me a call or shoot me an e-mail and I will provide you with a free 90-minute consultation to find out exactly what you’re looking for, what is important to you, and to see if we are a good fit for each other. There is absolutely no obligation from this meeting, what really drives me is to leave people better than I found them. I look forward to hearing from you. Craig Sutliff Real Estate Consultant & Mortgage Planner The GreenHouse Group P: 619-857-4954 E: Craig@GreenMeansGrow.com BRE Lic# 01735288, NMLS ID#
Hey there, here is, what I think, is a great life hack for anyone. Most people strive to improve upon themselves in business and in their own personal lives. It is something that drives me to improve myself every day. Whether it is to be a better agent for my home buyers and home sellers, be a better mortgage consultant for my mortgage loan clients, a better father to my kids, a better husband to my wife or a better friend to those dear to me. I will always strive to do my best. Though, in order to improve, one must also recognize areas that need improving. So, with Father’s Day just passing by, I decided to share with you one thing that I tell my children, and that is: “Take my Best, and Improve upon the Rest.” There will always be certain things that we wish we could do better, and certain shortcomings that, for whatever reason, we just can’t seem to change. So I tell my kids that I will always strive to do my best, and improve myself, to take the best I have to offer them in life, and then work on improving the areas, for themselves as they grow older, where they might think I have come up short. Kind Regeards, Craig Sutilff Real Estate & Mortgage Consultant The GreenHouse Group, Inc. Email: Craig@GreenMeansGrow.com
The GreenHouse Group INC is a full service Real Estate & Mortgage Planning Firm located @ 3111 Camino Del Rio North, Suite 400, San Diego, CA 92108. We'd love for you to drop by and say "hello" to us here at our beautiful offices in Mission Valley. Or, if you'd prefer to drop us a line you can call us anytime @ (858) 863-0261. We look forward to meeting you!
