About
Melina Rissone
Melina Rissone has more than earned her reputation as one of San Diego’s most skilled and trustworthy real estate brokers. Since 2005 she has been purchasing properties, and earning prestigious awards along the way. Her following of loyal clientele is a testament to the level of dedication she puts forth in every transaction she oversees.
Partnering with Melina gives clients a competitive edge when it comes to accomplishing their real estate goals. Her recognitions exemplify that she is hardworking and a strong negotiator, while her designations showcase that she is committed to staying up to date on market trends and helping those going through life’s toughest transitions.
Top 3% of Coldwell Banker sales professionals worldwide, 2021.
Top 4% in sales in San Diego County of all sales professionals, 2021.
Awarded the Coldwell Banker President’s Elite Award.
Passionate about real estate and its possibilities, Melina specializes and is certified in the following:
Relocation Specialist – San Diego
With years of experience helping clients relocate to and from San Diego, Melina has the expertise needed to make moving smoother. She combines in-depth local market knowledge with proven pricing and marketing strategies to help homes sell quickly, at the right price. Her clients benefit from timely market insights and a seamless transition to their next chapter.
Coldwell Banker Global Luxury and Institute of Luxury Home Marketing Certified.
RCS-D (Real Estate Collaboration Specialist for Divorce) Designation
This designation is for real estate professionals trained to guide clients through complex divorcerelated property decisions. It equips agents to work alongside attorneys and financial experts, maintain neutrality, and help both parties avoid missteps that could harm their legal or financial standing. RCS-D agents help ensure a fair and smooth transition during a difficult time.
SRES (Senior Real Estate Specialist)
This certifies that a Realtor has the necessary expertise to counsel clients age 50+ through major financial and lifestyle transitions such as relocating, refinancing, retirement, or selling the family home.
Certified Senior Advisor (CSA)
This certification reflects Melina’s deep understanding of the aging process and dedication to helping seniors. CSAs meet high ethical standards and are committed to ensuring seniors’ needs are respected and protected.
Whether clients aim to purchase the home of their dreams, sell a property, or make an investment for their future, Melina’s market expertise, proven foresight, and meticulous planning ensure a successful endeavor every time. Melina is bilingual in both English and German.
DRE# 01498140 | (619) 678-1350 | Melina@MelinaRissone.com | www.MelinaRissone.com
Testimonials
We began working with Melina in September on a friend’s recommendation and closed on our house two months later. Melina was incredibly helpful and informative throughout the process. She guided us through consultations, open houses, and negotiations, helping us secure a great deal. Melina’s expertise and calm demeanor were invaluable during uncertain times. I highly recommend her to anyone buying their first home in San Diego!
This is why we do what we do. Read below about our past client’s experiences when working with us. These are the kind of results you can expect when using us to list your home.
First-time homebuyer with my husband and had the best time working with Melina - she was patient with all of our questions and always available to stay on top of tight deadlines and help us secure our dream home! Love her transparency and commitment as a true partner in the process - she made sure we had the best resources and information we needed to understand what we were doing and make our own decisions. Melina let us drive however much we wanted and supported every decision we made, filling in the gaps we were missing from our inexperience. Professional, passionate, and highly recommended!
I recently had the pleasure of working with Melina as my real estate agent and I cannot recommend her highly enough. From start to finish, she provided outstanding service that exceeded my expectations. Melina is incredibly knowledgeable about the local real estate market and offered valuable insights throughout the process. Her communication and responsiveness were impressive, always keeping me informed. Melina’s professionalism and commitment truly set her apart from other real estate agents. Melina was a great asset in my family’s relocation to San Diego two years ago. We found her to be helpful and patient in guiding us as we refined our search. We chose her again this year to sell the property due to changes in family situation. She was knowledgeable and responsive throughout the entire process and actively drove solutions to issues to get us under contract and through closing on both accounts. I was very pleased with her service and would recommend her to others.
The Exclusive Advantage of A LUXURY BUYER’S AGENT
Embarking on the journey to find your opulent sanctuary? Welcome to a world of bespoke service and unparalleled expertise – welcome to the realm of a Luxury Buyer’s Agent. Here’s why engaging an exclusive real estate professional is not just a choice but a necessity for those with discerning tastes.
Tailored Luxury Experience
A Luxury Buyer’s Agent understands the unique needs and desires of high-end clients. From premium amenities to distinctive architectural features, your agent tailors the home search to align seamlessly with your sophisticated lifestyle.
Confidentiality and Discretion
Privacy is paramount in the luxury real estate market. A Luxury Buyer’s Agent operates with the utmost discretion, ensuring that your high-profile status and personal information remain confidential throughout the entire buying process.
Access to Exclusive Listings
Luxury properties often remain discreetly off-market. Your Luxury Buyer’s Agent possesses a network of exclusive connections and insider access, unveiling off-market masterpieces that align perfectly with your vision of extravagant living.
Global Connections
For the international luxury buyer, a Luxury Buyer’s Agent offers a global perspective. Leveraging an extensive network, your agent can facilitate connections and transactions on a global scale, ensuring you have access to the finest properties worldwide.
Negotiation Mastery
The negotiation table in luxury real estate requires finesse and strategic prowess. Your Luxury Buyer’s Agent is a skilled negotiator, adept at securing favorable terms, exclusive perks, and ensuring that every element of the transaction reflects the epitome of luxury.
White-Glove Concierge Service
Beyond the property search, a Luxury Buyer’s Agent orchestrates a white-glove concierge service. From arranging private viewings to coordinating with high-end service providers, your agent ensures that every aspect of your homebuying experience exudes luxury.
Market Mastery in Luxury Enclaves
Luxury markets are distinct and require specialized knowledge. Your Luxury Buyer’s Agent is an expert in luxury enclaves, providing insights into market trends, property values, and the nuances that define luxury living in your desired locale.
Exclusive Partnerships
A Luxury Buyer’s Agent often has exclusive partnerships with top-tier professionals — from architects to interior designers. These partnerships ensure that your vision for a luxury home can be brought to life with the finest craftsmanship and attention to detail.
Luxury isn’t just a lifestyle; it’s an experience crafted with precision and sophistication. Enlist the services of a Luxury Buyer’s Agent and embark on a journey where every element of your homebuying endeavor is tailored to meet the highest standards of excellence. Elevate your expectations, and let us redefine luxury living for you. Your extraordinary residence awaits — let us curate the perfect chapter of your opulent story.
WHY YOU NEED A TRUE EXPERT in Today’s Housing Market
In today’s fast-changing housing market, having a trusted real estate agent is more important than ever. It’s essential to work with an agent who can guide you through every step of the process.
The reality is, not all agents operate the same way. To truly make a powerful and confident decision as you buy a home, you need a real estate expert who uses their knowledge of what’s really happening with home prices, housing supply, industry projections, and more to give you the best possible advice. Someone you can trust and who provides clarity is essential to your success. Jay Thompson, Real Estate Industry Consultant, explains:
“Housing market headlines are everywhere. Many are quite sensational, ending with exclamation points or predicting impending doom for the industry. The sensationalizing of headlines and content has been an issue since the dawn of the internet, and housing news is not immune to it.”
Unfortunately, when information in the media isn’t clear, it can generate a lot of fear and uncertainty in the market. Says Jason Lewris, Co-Founder and Chief Data Officer at Parcl:
“In the absence of trust worthy, current information, real estate decisions are increasingly being driven by fear, uncertainty, and doubt.”
But it doesn’t have to be that way. Buying a home is a big decision, and it should be one you
feel confident making. You can lean on an expert to help you separate fact from fiction and get the answers you need.
The right agent can assist you in figuring out what’s going on at the national level and in your local area. They can debunk headlines using data you can trust. Experts have in-depth knowledge of the industry and can provide context, so you know how current trends compare to the normal ebbs and flows in the housing market, historical data, and more.
Then, to make sure you have the full picture, an agent can tell you if your local area is following the national trend or if they’re seeing something different in your market. Together, you can use all that information to make the best possible decision.
Making a move is a potentially life-changing milestone. It should be something you feel ready for and excited about. And that’s where a trusted expert comes in.
Understanding
BUYER REPRESENTATION
Let’s explore the different scenarios we may encounter together.
Seller is providing compensation to buyer’s agent
• While this situation is the least common of the three scenarios, it’s important to be aware that it can occasionally occur. 1 2 3
• This payment method is the most common and traditional for buyer’s agents.
• Aside from any administrative fees, no additional funds are required from the buyer.
• Your agent will ensure in advance that the homes you want to view provide compensation for their services.
Seller is offering partial compensation
In this scenario, the seller(s) have opted to offer a lower-than-usual commission to the buyer’s agent. This can usually be resolved in one of the following ways:
• Your agent negotiates with the listing agent to obtain the full commission.
• The buyer consents to raise the purchase price to cover the commission shortfall.
• The buyer agrees to pay their agent directly at closing to cover the difference.
Seller is not providing any compensation to buyer’s agents
In this scenario, the seller(s) have opted to compensate only their own agents and are not offering any payment to a buyer’s agent for bringing a buyer to purchase their home.
• All the options listed in #2 above apply here.
Exploring the BUYER REPRESENTATION AGREEMENT
By now you’ve probably read or heard about the significant changes happening in real estate and how those changes will affect home buyers and sellers. Thanks to the California Association of REALTORS®, the trade association your REALTOR® belongs to, the process of purchasing a home has recently evolved to provide more clarity and transparency for consumers like you.
One of the new requirements is that buyers must sign a written Buyer Representation Agreement before touring a home with an agent. This is a positive development for both consumers and agents because it facilitates conversations to help homebuyers better understand the process and learn the right questions to ask agents, including what they’re going to do for their clients.
The agreement explains how your REALTOR® will act as your dedicated and professional guide. It also outlines their ethical and
fiduciary duties to represent you to the best of their ability. The terms of the agreement are negotiated between you and your REALTOR®. Together, you decide how long the representation lasts, and when and if to extend or end the agreement.
The Buyer Representation Agreement ensures that you and your REALTOR® are on the same page about the terms of your collaboration. It is designed to facilitate trust and efficiency in what is a hugely complex process. Buying a home is one of the largest, most consequential purchases of your life. It is crucial to have someone on your side who can help you understand the legal documents such as purchase agreements, disclosures, and reports. A buyer’s agent ensures that you are aware of your rights and obligations, to protect you from potential legal pitfalls. Signing a Buyer Representation Agreement is the first step in solidifying a rewarding and productive collaboration with your REALTOR®.
In short, the Buyer Representation Agreement will:
Spell out the buyer’s agent’s responsibilities during the time they represent you
Explain what your agent will do on your behalf, thereby providing more transparency in the transaction
Record exactly what and how they will be paid for the services they provide
Ensure that you have an expert on your side as you negotiate the complex process of buying a home
We make
RELOCATING easy
Coldwell Banker West is a premier member of the Anywhere Leads Network, connecting clients with top real estate brokers across the nation. Whether you’re buying or selling a home locally or in another state, we are your one-stop resource for all your real estate needs.
About Our Broker Network
The Anywhere Leads Network is a high-performance nationwide network of over 500 brokers, recognized for exceptional customer service. With market-leading expertise and ongoing education, Anywhere Leads Network agents help clients achieve their real estate goals.
Services We Provide
Leaving San Diego or Selling Outside the Area? If you’re moving, purchasing a second home, or selling a home outside of San Diego, we’ll connect you with a top network agent who will provide market insights and guide you through the process in your new location.
Selling a home or know someone who is? We assist clients relocating to San Diego who may be interested in the property.
We have the resources to connect you with a trusted network broker. Let your Coldwell Banker West agent know how our Director of Relocation and Referrals can assist you!
The Power of Being An Approved Buyer
BEING AN APPROVED BUYER
Can Lift You Above The Rest
Approved Buyer Program By Point Mortgage’s Point Direct
Point Mortgage’s Point Direct program gives all Coldwell Banker West clients the opportunity to participate in a no-nonsense, high quality mortgage experience that not only saves time but can save you tens of thousands in interest over the life of the loan.
Be An Approved Buyer
Being pre-approved means you have applied for a mortgage and you meet basic qualification standards. Being an approved buyer means more. It means you have met all lender requirements and have been fully underwritten. All that is needed is your new property. Close in as little as 8 days. You may not need to close this quick, but being an approved buyer may put your offer high above many other offers.
Ask your Coldwell Banker West agent about Point Direct today, or apply here:
Purchasing Process
YOUR PARTNER in The Process
When you choose me to represent you, you’II have someone by your side every step of the way, giving you the insights and information you need to have confidence in your decision. I will:
• Meet with you to discuss your needs and goals, and to plan your property search
• Help you get approved and establish your budget
• Show you properties that meet your criteria
• Keep you informed of new properties that come on the market
• Work with you until you find the right home
• Help you determine your offer
• Negotiate the offer and contract in your best interests
• Facilitate the home inspection and resolution process
• Prepare you for closing and the associated costs
• Keep you updated on the progress of your transaction every step of the way
My WEBSITE
The next stop on your home search? My website. Not only is it an easy way to check out all the available properties in your preferred area, it’s also another way for me to get to know the types of properties that you like. Simply register on the site, and I will receive updates about your activity.
And thanks to its responsive design, you can do it all from your mobile device, tablet or desktop!
Making an OFFER
There are many factors that influence the market value of a home. I will give you the insight and information you need to make an offer you’re comfortable with. Some of the factors to consider include:
• How long the home has been on the market
• If the price has been reduced
• How much the home is worth — I will provide a comparable market analysis (CMA) showing the list and sale prices for similar homes in your area
• If there are multiple offers
• Other items that might be included in the sale (furniture, hot tub, etc.)
• The “list to sale price ratio,” an indication of how competitive the market is for homes in this area
• Why the seller is selling
• Whether the seller is offering an assumable loan or financing
Once the offer is written, I will present it to the seller’s agent. At that point the seller can accept your offer, reject it or counter it to start the negotiation process. I will work with you to plan a strategy to ensure the most advantageous terms and acceptable pricing for you and your budget.
CLOSING on your home
Once your offer has been accepted, the closing process begins. Here are some of the typical steps involved.
Home Inspection
Most property sales are contingent on the results of a home inspection, which is paid for by the buyer. The inspection typically occurs within 10 days of offer acceptance, and includes a review of the home’s exterior elements like the roof, siding, trim and windows, as well as kitchen and bathroom fixtures and appliances, and major systems like heating and cooling, plumbing and electrical.
If defects are discovered during the inspection, you may exercise the remedy described in your offer or negotiate with the seller to determine what repairs will be made.
Title Search
This is a historical review of all legal documents relating to ownership of the property to ensure that there are no claims against the title of the property. It is also recommended that you purchase title insurance in case the records contain errors or there are mistakes in the review process.
Appraisal
As a standard part of the mortgage process, your lender will order an appraisal report to ensure that the loan will be guaranteed by the home’s value.
Final Walk-Through
If it’s requested in the contract, you’ll be given the chance to look at the home to make sure it’s in the same condition as when you signed the sales agreement.
Closing Costs
In addition to your deposit and down payment, there are a variety of other costs involved in closing including:
• Loan origination fees, appraisals and reports
• Surveys and inspections
• Mortgage insurance
• Hazard insurance
• Taxes
• Assessments
• Title insurance, notary and escrow fees
• Recording fees and stamps
Full-Service Support
From START to FINISH
Coldwell Banker West is your partner in all aspects of the home-buying process. Our affiliations with primary service providers ensure that you receive complete assistance from beginning to end, giving you one-stop-shop convenience.
MORTGAGE SERVICES
Our preferred lender provides mortgages and features incredibly low rates, fantastic customer service and a fast, simple process. Plus, with their Approved Buyer Program you’ll boost your offer high above others.
WARRANTY SERVICES
A home warranty provides an extra measure of security that makes you feel more comfortable and confident in the purchase of your home.
INSURANCE SERVICES
We can connect you with agencies that offer competitive rates on homeowners, condominium, renters, automobile, second home, vacant home and umbrella coverage.
COMMERCIAL SERVICES
Highly skilled Coldwell Banker Commercial® professionals offer a full spectrum of office, industrial, land, retail, multi-family and hospitality services.
TITLE SERVICES
Title issues will be researched and resolved before the closing to help ensure your transaction closes smoothly and on time.
BUYER SERVICES PLEDGE
Buyer(s):
Buyer(s) Address:
Coldwell Banker West is committed to providing the following services to help you purchase a property:
Buyer Counseling Session
We will offer you the opportunity to discuss your needs and goals, and to plan the search for your property.
Homebuyer Guidebook
If requested, we will provide you with a copy of the Homebuyer Guide and explain how you can use it as a road map through the home-buying process.
Buyer Representation Agreement
We will explain to you the representation agreement and the special services and benefits it offers.
Buyer Agency Information
We will discuss agency alternatives for you and the sellers. We will also provide you with an Agency Disclosure.
Financing/buyer Approval
We will offer to arrange a buyer approval appointment with our mortgage partner to assure the seller of your ability to close. A full buyer approval is a step above a pre-approval and will strengthen your position in a competitive situation.
Property Showing
We will show you properties that meet the criteria you have selected.
Property
Evaluation
We will discuss the positive and negative features of a property that may affect its value and future resale.
OUR PLEDGE TO YOU
Offer Preparation
We will prepare a written offer on the property you choose to purchase, with terms approved by you.
Offer Presentation and Negotiation
We will present your offer to the seller or their designated representative and guide you through the entire negotiation process.
Negotiation Strategy
If requested, we will prepare a Comparable Market Analysis for you. This may assist you in structuring your offer to purchase.
Review of Written Seller Disclosure
We will review with you the seller’s written disclosure statement to enable you to determine whether the property meets your requirements.
Building Inspections
We recommend that you obtain a building inspection from a qualified professional and will provide companies for you to interview. You may also search online to find the company you wish to hire.
Property Disclosures
We will review with you all inspection reports and other documents pertaining to the condition of the property and disclose all material defects of the property that are known to us.
Building Inspection Remedies
If applicable, we will work with you to request the seller to remedy the items you specify after your review of the building inspection reports as your Offer to Purchase specifies.
Home Warranty
We will explain to you the option of a home warranty plan to reduce your risk of repair after purchasing a property.
Estimate of Funds Required
When requested, our mortgage partner will provide you with a preliminary estimate of closing costs and down payment requirement anticipated in the transaction.
Walk-Through
We will accompany you, if requested, on a walk-through of the property (if one is provided for in the sales contract) before closing, and we will assist you in dealing with any problems discovered during the walk-through.
Closing the Sale
We will monitor and inform you of the progress of the purchase agreement, including the satisfaction of all contingencies and conditions during the entire transaction.
After-Sale Service
We will contact you after the closing to follow up on remaining details or service needs.
If you are not satisfied with our service to you at any time, we will make it right. Simply contact our main office at (619) 737-2126 and we will connect you with an office manager who will help you. Coldwell Banker West is one of the largest brokerages in the greater San Diego County market, which means we have vast resources and options available to overcome any obstacles. Give us the opportunity to address your concerns and you will be satisfied! Thank you very much for becoming one of our valued clients and welcome to the Coldwell Banker West Family.
Agent: Manager:
Getting STARTED
Your home-buying needs are one of a kind. Using the unmatched resources of the Coldwell Banker ® brand, I will develop a custom plan to:
• Provide you with proven, powerful and personal service
• Help you find the right home and negotiate the best possible price and terms for it
• Close the sale in a smooth, timely manner
We are committed to your complete satisfaction, and will represent your interests with the utmost care, honesty, integrity and discretion. Let’s get started!
