For all the doom and gloom about the housing markets, it still generally pays to own a home.  That might be a tough case to make right now to the 16 million homeowners who owe more on their mortgage than their house is worth.  But history suggest the American Dream is a pretty safe bet. Modesto Bee

"In today market, most buyers want to look at everything in the market and buy when they’re ready." ......AND WHEN YOU ARE READY......Don't waste another second..... Right now there could be another buyer looking at the same home....there are plenty of buyers willing to pay the full appraised value or MORE. "Our people keep getting outbid", says Rebecca Blanco an administrative analyst. 



The secret is having a winning offer.... Not disappointment..


But, Caution there are headwinds
 
we may be competing with several other offers 

offering more than the listing/sales price..... 


When walking into a bidding WAR

The secret is having a winning offer....right!! 
  
It's best to call Craig, to save you time, save you money

and

YES, hand you the keys to your new home..........

*Not having a winning offer is disappointing....

it's like dropping your bowl of breakfast cereal on the floor ......

a mess you may want to avoid.


Save more and get more with Gilmore

It's what I do best

Call today 209-476-4247  

Please review my references.

**Reviews...
Cathy Gonzalez 

Thank you so much for all your time and effort toward us getting our home. We love it and appreciate all you did. 

Alex Mohdehn

I've know Craig for years and have always admired his outgoing personality and passion for real estate. I highly recommend him. 

Harold and Betty Bristor

We thanked Craig many times for helping choose a beautiful home for us.  

Of all the decisions.... 

REMEMBER

The secret is having a winning offer.... Not disappointment.

The future is now and it's ours

How I like to do business is to show the seller

that we mean business.

Lets make it, happen !!
 
Lets go forward in the right path

Unless you just want to window shop or be a fence sitter;

The question is, does it make financial sense for you!!

&

"DO YOU WANT ME...Craig...TO HANDLE THE SALE FOR YOU" ?? 


My job as your Sales Associate is to support you in finding the right home with the best possible terms, and to aid you through the entire process. Below I will explain most of the process of buying a home, and familiarize you with the various activities, documents and procedures that you will experience throughout the transaction.


Experts are saying; Take advantage before it's too late 

Call today and let's talk about how much house you can

"comfortably afford"
 
with monthly mortgage payments or "paying all cash". 

Yes, before selecting a home to purchase,
 
let's target the right priced home with comfortable monthly payments,

OR  your Return on Investment (ROI).

"The Loan Process" Financing your home is fast and easy. 

I will help you to select a mortgage lender. Once you have made your decision, This fast and easy loan process will help you:  

• Determine the price range you can afford.
• Understand the types of loans you qualify for.
• Determine what your monthly payment will be.
• Estimate the down payment and closing costs.  

These are some examples between having winning offer or disappointment.

Let me share a secret or two....

Yes, It's fast and easy to get a PRE-QUALIFIED letter from a mortgage lender.  *But I would like your offer to stand out, yes!
"IN THIS MARKET MOST SELLERS PREFER A PRE-APPROVED LETTER".  Remember we might be competing with other offers. Once a pre-approved letter is completed I'll attach your letter along with your "OFFER" to show the seller that you could qualify for a loan.

*"All cash offer" Great, most real estate professionals like myself recommend having "proof of funds" documentation for "all cash" transactions. Please have a statement in hand showing where the funds are coming from.  I will need to attach your proof of funds documentation along with your "ALL CASH OFFER".

... CASH IS KING.... But don't be fooled..... a strong approved borrower may increase a offer.....
Some lenders may be only adding a small amount of money to the borrower monthly mortgage payment. 
For example; $10,000 equals $60 dollars more or less onto the borrower monthly mortgage payment.

MEANING THE APPROVED BORROWER JUST OUT BID YOUR DREAM HOME BY $10,000
OR
$60 Bucks a month.

REMEMBER

The secret is having a winning offer.... Not disappointment..

The future is now and it's ours

How I like to do business is to show the seller

that we mean business.

Lets make it, happen !!

Save more and get more with Gilmore

It's what I do best

Call today 209-476-4247 

It's best to call Craig, to save you time, save you money and hand you the keys to your new home..........

THE LENDER

RULE NUMBER ONE ALWAYS BE NICE TO THE LENDER
meaning having everything in order!!

The Loan Application and Process
You will be asked to provide certain documents for your lender in order that your loan can be processed in a timely manner.
All pertinent documentation is obtained. For example; Income Documentation (a) Tax returns for the last two years, (b) W2's for the previous two years, (c) Pay Stubs covering the last 30 days of employment, (d) Name and phone number of person to verify your employment, (e) Provide bank accounts/statments for the last two months reflecting the deposits for this income, (f) For self employed also include Schedule "C" or Corporate returns if incorporated. (g)  you the borrower will receive a Good Faith Estimate (GFE) and a Truth-in-lending statement (TIL), itemizing the rates and associated costs for the loan. (h) If currently renting either canceled rent checks for the last 12 months or current name address phone number of your landlord

Loan Submission - Once all the necessary documentation is in, your completed file is submitted to a lender for approval.

Loan Approval (Underwriting) - Loan approval, or underwriting.  All parties are notified of the approval and any loan conditions that must be received before the loan can close.

Closing - Once all parties have signed the loan documents, they are returned to the lender. If all the forms have been properly executed, the lender sends the loan funds by wire transfer. At this point, the borrower finishes the loan process and actually buys the house.


Finding and Choosing the Right Home

I really want to know your criteria to help you find the perfect home. There are many factors to consider in selecting a property, including location, bedroom and bath count, schools and amenities.  If you find a property that interests you through the Internet or your own research, let me know so that I can arrange a private showing.

Be open and direct with me and don't be surbase as you view different properties, your criteria may change, I'll understand. 

Making an Offer

Once you have found the home that you wish to purchase, we will formulate a plan to acquire it. Negotation is about starting out with an idea and ending up with a deal. I will do all the necessary research to help you structure an effective "winning offer". This is where my negotiation skills come into play. I will draft the purchase agreement, advising you of protective contingencies, customary practices, and local regulations. Home warranty, title and escrow arrangements will be detailed in the offer.

When an offer is deliver, the seller will have the option of accepting, rejecting or counter-offering.

Although I will give you advice and information, it is your decision as to the exact price and terms that you wish to offer.

After offer has been accepted 
 
When the purchase agreement is accepted and signed by all parties, you've tied up the property, I recommend the property be professionally inspected. We may be able to negotiate a credit or price reduction using the information you have acquired or at least you'll know what you're buying from the reports.

Managing the Escrow

I will open escrow for you and your earnest money will be deposited (normally three days after acceptance). The escrow is a neutral third party that will receive, hold, and distribute all funds associated with your transaction.

Removing Contingencies

Prior to closing escrow, all of the contingencies of the Purchase Agreement must be met. Typical contingencies include:  

• Approval of the Seller’s Property Disclosure Statement.
• Approval of the preliminary title report.
• Loan approval, including an appraisal of the property.
• Physical inspections of the property.
• Pest inspection and certification.
• Acquisition of homeowner's insurance.
• Closing Escrow and Moving In!
  
  When all of the conditions of the purchase agreement have been met, you will sign your loan documents and closing papers. You will deposit the balance of your down payment and closing costs to escrow, and your lender will deposit the balance of the purchase price. The deed will then be recorded at the County Recorder's office and you will take ownership of your home.
  
  Thought for the day
  
  "So many of our dreams at first seem impossible, then they seem improbable, and then when we summum the will, they soon become inevitable" -Christopher Reeve 

 May you live long, live strong, and live happy!

Thank you,

Craig Gilmore

209-476-4274

REMEMBER WHEN BUYING A HOME

QUALITY IS'T EXPENSIVE..... IT'S PRICELESS

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