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With so much uncertainity in the real estate market, you need a Realtor dedicated to your best interests.  Feel free to contact me via email or phone.  I am here to help.

 

We List Property, Properly

For Sellers - Massive web traffic, targeted marketing and representation without compromise.  A few things we do to sell your home — and earn your trust.  Smart & focused marketing

means that we promote your listing in ways that are responsive to changing markets and homebuyer trends, for maximum results.

Research. Service.

For Buyers-

Combine powerful research tools with representation from a dedicated buyer's agent and what do you get? More time at the beach! First time buyer ? move up buyer ? Investor - Call for the latest listings.

 

Save searches, properties and get more info.  Sign up for auto emails & be the first to see the newly listed homes.

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Focusing on the Inland Empire, I can help you whether you are buying a home in Yucaipa, Redlands, Calimesa or E. Highland, Banning or Beaumont  Need to list your home in Palm Springs or Loma Linda ? Call us for assistance or to be on auto email & get the newest listings, as soon as they hit the market.

 

Yucaipa listings, real estate agent, short sale properties, foreclosures REO, first time home buyers, home sellers, experienced agent Realtor, Redlands, Beaumont, Loma Linda, search homes for sale

Applying For a Mortgage

When selecting a lender, your goal is to obtain a mortgage loan with terms that are most favorable to your situation. In order to find the best home loan for you, contact several lenders to discuss the mortgages they offer, their rates, closing costs, and other fees. If you already have a mortgage, contact that institution too.

Mortgage loans are available from many sources, including:

  • Mortgage companies
  • Savings and loan associations
  • Banks
  • Credit unions

Your buyer’s representative may also be able to suggest loan providers that are offering competitive rates.

What’s the difference between being pre-qualified and pre-approved for a mortgage?
Typically you will first pre-qualify for a mortgage, then get pre-approved before you have found the specific home you wish to purchase. What is the difference?

Pre-qualification: An informal determination by a lender or mortgage broker stating how much mortgage you can afford.

Pre-approval: A guarantee in writing by a lender to grant you a loan up to a specified amount.

What are the advantages of being pre-approved?
There are two advantages of being pre-approved for a loan as early as possible in your home-buying process:

  1. Sellers will find any offer you make more attractive if you are pre-approved for a mortgage.
  2. The length of time before closing can be shorter if you’ve completed the steps to securing mortgage approval prior to signing a contract on a property.

www.newsmirror.net

As your Realtor, I will be right by your side to walk you thru the entire buying process - but read on for :

Tips for buying in a tight market
Don't let disappointment immobilize you
By Dian Hymer

It's always hard to predict how long it will take to find a home to buy. Given the current low-inventory environment, it may take you longer than it would in a balanced market that has enough homes for sale to satisfy the current buyer demand. Whether your a first time buyer or move up buyer, here are a few tips.

Patience needs to be a key component of your home search mentality. Even if a home you like a lot comes along quickly in your search, other buyers may have the same idea. You could end up in competition. If you aren't the winning bidder, don't let disappointment immobilize you.

To prepare yourself to buy in this market, plan to look at every new listing that comes close to satisfying your wish list. Accept that you won't find everything on your wish list. Successful buyers make sacrifices. Just make sure to make intelligent compromises.

For example, don't get so overwhelmed by the urge to buy now that you overlook that a home you like won't work for you for long. Buying and selling is expensive; you don't want to do it often. Make sure that a home you buy will suit your needs for years to come.

There are benefits to seeing a new listing that's a possibility for you in person rather than looking at it only online or having your agent describe it to you. In a low-inventory market, it's vitally important to become familiar with local pricing. Follow up with your Realtor on listings you liked and find out how much it sold for and how many offers were made.

This way you will know when a listing is underpriced, priced close to market value, or overpriced for the neighborhood. The lower-priced properties tend to attract more buyers. If you've educated yourself about local market pricing, you can distinguish between a listing that is underpriced and one that is fairly priced.

HOUSE HUNTING TIP: You can save yourself a lot of time and disappointment if you don't make offers on underpriced listings that attract five or more offers, particularly if you can't go much higher than the list price. For example, a buyer was recently enthralled with a listing priced at $895,000. When 10 offers came in, she decided not to jump into the fray because she couldn't pay more than $1 million. The listing sold for $1.4 million.

Some buyers like to make offers even if they haven't a chance because they feel it gives them a chance to get their feet wet. The problem with this approach is that after slogging through the mud and losing out four or five times, you may feel burned out and drop out of the house hunting search altogether.

Make sure your real estate agent is in touch with the listing agent of a listing you covet so that you have a sense of how much competition there might be. Then based on your pricing expertise, your financial capabilities and how close the house matches what you want, you can make an educated decision about whether to make an offer.

Find out how much work a listing will need. Ask for a disclosure package of seller disclosures and reports, if they are available. Factor this information into the affordability equation. A listing priced at $700,000 that requires $200,000 of repairs isn't affordable if you can pay only $750,000 at the most.

Have your agent watch for listings that aren't well-marketed. Out-of-area agents often don't know how local agents generate activity on their listings. The strategy used on the house mentioned above was to price low and have more than one open house before hearing offers.

 An undermarketed listing can be a buying opportunity in today's market.