I am dedicated to providing you with quality service that is professional, courteous and responsive in helping you find the right property for your needs. To fulfill this commitment, I agree to provide you with my following real estate services: 
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Consult with you to determine your particular real estate wants and needs. This includes providing information as to the advantages and disadvantages of the choices available to you, in order to help you make informed decisions.
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Maintain your confidentiality and represent your best interests throughout the buying process.
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Help you define your financial ability to purchase, explain alternative methods of purchasing and financing, and assist in arranging mortgage financing.
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Provide an action plan for locating the right property for you, at the right price and terms, in an acceptable time frame.
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Search using available methods to locate the property that will best meet your needs and wants. This may include properties listed with our office, offered through other real estate companies; as well as, unlisted properties.
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Show properties that meet your specifications, in accordance with Fair Housing Regulations and ethical real estate practices.
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Disclose material facts known about the property, and other relevant information that is likely to affect your ability to obtain the right price and terms.
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Assist you in evaluating the market value of properties that are of interest to you, and suggest negotiating strategies to help you obtain the most advantageous price and terms.
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As your advocate, advise and assist you in completing your purchase agreement, and present your offer in a light most favorable to you.
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Refer to other professionals (real estate attorneys, accountants, inspectors, mortgage lenders, etc.) for information or assistance as necessary.
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Upon acceptance of an offer between you and the seller, monitor all pre-settlement (escrow) activities throughout the closing process as permitted by law or local practice.
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Consult and communicate with you on a regular basis throughout your entire real estate purchase process.
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Recommend home warranty to protect you.
|  We certainly appreciate your allowing us to assist you with finding the right property for your needs. Should at any time you have a question, concern, comment or suggestion, please do not hesitate to contact me.
Insurance >Do You Need Mortgage Protection
If you have a mortgage on your home, you may have received several offers from insurance companies that sell coverage to pay off your mortgage in the event you die unexpectedly. Although insurance in general is a good idea, mortgage insurance is usually a poor value in most cases.
If you read the large print, it appears that the policy will protect your family if you die before your mortgage is paid off. All you have to do is fill out the paperwork, have a physical exam, and pay a little more each month. The fine print, however, may limit the coverage relating to accidental death. If there are two people on the deed of trust, the policy may pay only half if one of them dies.
When considering mortgage insurance, call a good insurance agent before you send in your forms. Insurance experts usually advise against separate policies to cover various contingencies. A regular term life insurance policy equal to the amount of your mortgage will probably offer you a lot more coverage for your money.
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| Q |
Which law allows a person to give another individual up to $10,000 a year without any tax consequences?
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| A |
The Federal Gift Tax Law allows both parents to give a child (or anyone) $10,000 each in one year. |
 See More Real Estate Trivia > |
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- NUMBER1EXPERTS™ 
