Jovanna Buying Experience

THE BUYING EXPERIENCE A

Q U I C K

G L I M P S E

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B U Y I N G

Loren Sanchez

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H O M E

T O D A Y

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REAL Hiring a Real Estate professional who will not only be your advocate but negotiate the sales price i s c r u c i a l . C h o o s e t h e r i g h t a g e n t th a t h a s a track record of producing results.

DEAL

CLIENT FOCUSED RESULTS DRIVEN Jovanna comes to us with over 18+ years of Real Estate experience.

From receptionist to Real Estate agent, Jovanna has an advantage of knowing the ins and outs of the industry since she has worked all positions.

She has been able to adapt with the ever changing Real Estate Market and started a Short Sale and Loan Modification department within her company, which helped keep thousands of homeowners from losing their homes to foreclosure.

With teaching Real Estate Classes, she has a great understanding of Real Estate contracts and disclosures, this is extremely helpful for all Real Estate Transactions.

In addition to servicing her own clients, she is mentoring and coaching other Real Estate agents. Her expertise of Real Estate contracts allows for her to be a great resource for not only her clients, but also her fellow associates.

Jovanna was born and raised in San Diego. She is widowed from a 13 year marriage and is a loving mom to two boys, Aiden 10 and Liam 3.

When not working, Jovanna and her boys enjoy hiking, bike riding, watching movies and spending quality time with family.

Jovanna Delgado REALTOR ®

619-787-1106 JOVANNAHEHLPS YOU@GMAIL.COM WWW.LORENSANCHEZ.COM

YOUR LOCAL EXPERTS

TRUST Earned with action.

Maintained with integrity. Cultivated over 100 years.

INNOVATION Engineered to evolve.

Designed to empower.

Built to succeed.

COLLABORATION Unified in purpose.

Fueled by culture.

Connected worldwide.

BUSINESS ACCUMEN Born of passion.

Cultivated by training.

Driven by results.

CONSUMER FOCUS Centered on needs.

Committed to exceptional experiences.

Inspired by homes.

in Company

Top 1% in San Diego

2021 NAHREP #35 for latino agents in southwest and #97 in US

Over 20 years in Real Estate

FUELED BY REPUTATION

Top Team

The market this past year has been one no one would have ever imagined a few years ago. I started off uneasy when considering buying a home in this intense market. But working with The Loren Sanchez Group really surprised me by making it so effortlessly easy.

I never imagined I would get my first offer accepted and within 17 days I would be a new home owner. Jovanna’s many years of experience was notable during the whole process. Her communication was clear and professional. Her team made sure I was up to date with every step in the process with weekly emails/texts/calls.

I never once felt out of the loop.

Communication was something I needed to feel confident while working with my realtor. Overall,I highly recommend The Loren Sanchez Group for your future buying/selling experience.

-CHRISTINA BUENROSTRO

ARE WE RIGHT FOR YOU? FAQ’S NEED TO UNDERSTAND TODAY'S MARKET? We will explain todayʼs Market and Real Estate headlines, and decipher what they mean for you.

INTERESTED IN NETTING THE HIGHEST FAIR MARKET VALUE FOR YOUR. HOME? We will show you how to get the best price for your home. You will see there is more than simply putting a “For Sale” sign out front.

WANT MORE NEGOTIATION LEVERAGE? We have consistent results in difficult negotiations.

WANT TO AVOID COSTLY MISTAKES? We understand all of the disclosures and necessary paperwork in todayʼs heavily regulated environment.

WANT TO REACH THE RIGHT AUDIENCE OF BUYERS? We use robust targeted marketing strategies to maximize exposure and reach.

DO YOU WANT A TEAM WHO KNOWS THE NEIGHBORHOOD? We possess intimate knowledge of the local area and trends.

HOW TO DEFINE YOUR TARGET MARKET? We have the experience using targeted marketing efforts to find qualified buyers.

WANT A TEAM WITH A PROVEN TRACK RECORD? Working with us redefines the process you may have known, while gaining you the highest profit.

THE HOME BUYING PROCESS 2 Meet with me. 1 Discuss what you're looking for.

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Make an offer.

Negotiate an offer.

Get offer accepted! * Contingent on inspection

I will find and send options for you to review.

Get pre-approved by a lender or bank.

I have great referrals.

3

Let's go shopping!

Look at homes to help you find the perfect one!

6 Schedule inspection.

Discuss results. Decide on any repairs needed. I will walk you through this.

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and appraisal if financed.

8 Closing confirmed.

This is the day you've been waiting for!

Appraisal, seller disclosures and finalizing financing time periods.

Congratulations

YOU ARE A HOMEOWNER

THE OFFER DETERMINING YOUR OFFER - NEGOTIATING THE OFFER AND CONTRACT

Many factors influence the asking price of a home. To help you decide how much you feel comfortable offering for a property, i will gather critical information for you regarding the factors that impact how much you should consider paying for the home, including:

How long the home has been on the market.

The history of the listing including changes to the price and terms.

The prices for other comparable homes in the area.

If it is known whether 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.

You may make your offer subject to certain terms of contingencies, including the securing of financing or perhaps the sale of your current home. The purchase contract will also be subject to various inspections by both you and professional inspectors. Your contract will also include some standard provisions, such as property taxes that will be prorated between buyer and seller. Others will outline what happens if the property is damaged before closing, or if either party fails to go through with the sale.

I will review every aspect of your offer and contract with you. Together, we will plan a negotiating strategy to give you the best chance to secure the property at the most advantageous price and terms.

LIFE OF AN ESCROW ESCROW OPENED WITH ESCROW COMPANY & TITLE REPORT ORDERED

CONGRATS! ESCROW IS OFFICIALLY OPEN

CLOSING DISCLOSURE SENT & 3 DAY WAITING PERIOD BEGINS

BUYER RECEIVES FINAL LOAN APPROVAL FROM LENDER

LOAN DOCUMENTS PREPARED BY LENDER & SENT TO ESCROW COMPANY

DOCUMENTS RECORDED & ESCROW CLOSED

AFTER RECORDING CONFIRMED, TITLE CO. COMPLETES PAYOFF OF EXISTING LIENS & BALANCE SENT TO ESCROW CO.

SEPARATE APPOINTMENTS SET: BUYER & SELLER SIGN DOCUMENTS

ESCROW COMPANY ENSURES ALL ESCROW CONDITIONS ARE MET

CONGRATS! YOUR ESCROW HAS CLOSED!

INSPECTION REPORTS SENT TO ALL PARTIES & REVIEWED

TITLE REPORT RECEIVED & APPROVED

BY BUYER

APPRAISAL ORDERED BY & COMPLETED FOR LENDER

CLOSING DOCUMENTS COMPILED BY ESCROW COMPANY

LENDER "FUNDS LOAN" (SENDS FUNDS TO TITLE CO.)

VARIOUS INSPECTIONS ORDERED & DEPOSIT DELIVERED TO ESCROW COMPANY

BUYER DEPOSITS REQUIRED CLOSING FUNDS

LOAN DOCUMENTS RETURNED TO LENDER FOR REVIEW

ESCROW COMPANY DISBURSES REMAINING FUNDS & ISSUES SETTLEMENT STATEMENT

THE TITLE SEARCH

A title spells out who has the right of ownership for a property. It is considered "clear" if there are no claims or liens against it. In order to make sure nothing will prevent the transfer of the property to you, a title company will conduct a title search and prepare a preliminary report that indicates what recorded matters affect the title to the property and if the title insurance company is willing to insure the title. At the close of escrow, the title company will issue an Owner's Policy of Title Insurance to protect you against losses that might arise from covered claims on the title.

PROPERTY INSPECTIONS

Real estate contracts contain contingencies clauses that allow buyers to inspect the property. It is very important that you hire a professional Home Inspector and conduct a home inspection to determine if the home has any defects that would affect the value or desirability of the home.

It is also important to order a Wood Destroying Pest and Organisms (termite) Inspection. This inspection identifies existing or potential pest, dry rot, fungus and other structure-threatening infestation or conditions.

The initial inspection fee covers only those areas which are accessible to the inspector. These inspectors must be licensed and can give estimates to correct noted problems, can make the suggested repairs and/or can certify that the work has been completed.

Once you have completed all of your desired inspections you have the right to negotiate for the seller to make repairs based upon your determination of important issues found during your inspections. The seller will then have the right to agree, renegotiate or refuse to make any repairs. In most cases, if the seller does not agree to make your requested repairs you can accept the seller's response, withdraw from the response, withdraw from the sale or attempt the renegotiate.

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TEN CMORTGAGE OMMANDMENTS CHANGE JOBS OR BECOME SELF EMPLOYED

BUY A VEHICLE UNLESS YOU WANT TO LIVE IN IT

USE YOUR CREDIT CARDS OR LET PAYMENTS FALL BEHIND

SPEND MONEY YOU HAVE SAVED FOR A DOWN PAYMENT

BUY FURNITURE BEFORE CLOSING ESCROW

ALLOW ANYONE TO INQUIRE/PULL OUT YOUR CREDIT REPORT

MAKE ANY LARGE DEPOSITS INTO YOUR BANK ACCOUNT

CHANGE BANK ACCOUNTS

CO-SIGN A LOAN FOR ANYONE

PURCHASE ANYTHING UNTIL (WAY) AFTER CLOSING ESCROW

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COMMITTING ANY OF THESE ACTS CAN DRAMATICALLY ALTER YOUR CREDIT SCORE OR DEBT TO INCOME RATIOS THIS CAN BLOCK YOUR CHANCES OF CLOSING ON YOUR HOUSE

TESTIMONIALS

L o r e n S a n c h e z i s t h e b e s t . S h e m a d e th e w h o l e p r o c e s s s e a m l e s s i n t h i s c r a z y t i m e . S h e i s s o g r e a t to w o r k w i t h . S h e g a v e 1 1 0 p e r c e n t t o m y w i f e a n d I . S h e n e v e r g a v e u p a nd a l w a y s h a d o u r b e s t i n t e r e s t i n m i n d . S h e i s a g r e a t n e g o ti ato r a n d a s t r o n g p o w e r f u l w o m a n to g e t th e jo b d o n e . N o t o nl y i s s h e a m a z i n g . S h e i s f u n t o b e a r o u n d a n d e x tr e m e l y p a ti e nt.

H e r t e a m i s e x t r e m e l y h e l p f u l a n d h e l p s th e b u y e r / s e l l e r s o n e v e r y s t e p a l o n g t h e w a y . I f y o u w a n t th e b e s t a g e n t a n d te am i n S a n D i e g o y o u h a v e t o g o w i th L o r e n S a n c h e z R e a l i ty .

-Andrew Georgopoulos

T h e L o r e n S a n c h e z G r o u p a s s i s te d m y f a m i l y in purchasing our first home. They were p a t i e n t a n d f l e x i b l e . L o r e n i s v e r y p o s i ti v e , c r e a t i v e a n d f i r m w h e n i t c o m e s to th e h o u s i n g market these days. Her team made us feel c o n f i d e n t a n d c o m f o r t a b l e i n v e s ti n g i n o u r first property. She was professional t h r o u g h o u t t h e p r o c e s s . H e r te a m ta k e s p r i d e n o t o n l y i n t h e i r b u s i n e s s b u t i n th e i r c l i e n ts a s w e l l . W h e n i t c o m e s t i m e to s e l l , w e w i l l reach out to the Loren Sanchez Group again.

-Garcia Family

It was so great to have Loren as our realtor!

She is well connected to her community, she's positive, and has built great relationships among her colleagues that truly benefits her clients.

-Valdez Family

Loren Sanchez and her team are amazing! The moment we met Loren w e c o n n e c t e d a n d k n e w s h e w a s th e o n e to h e l p m a k e o u r d r e am c o m e t r u e o f h o m e o w n e r s ! S h e k n o w s h e r s tu ff v e r y w e l l , s h e k e p t i t r e al w i t h u s . S h e k n e w e x a c t l y w h a t w e w a n te d a n d s h e d i d ju st th at! S h e m a d e t h e h o u s e h u n t i n g a n d h o m e b u y i n g p r o c e s s s o e asy ! L o r e n d i d a n i n c r e d i b l e j o b f r o m s t a r t to fi n i s h a n d p r o v i d e d to p no tc h c u sto m e r s e r v i c e ! W h e n s h e s a i d s h e w a s g o i n g to d o s o m e th i n g , sh e m e ant i t a n d f o l l o w e d t h r o u g h . I h i g h l y r e c o m m e n d L o r e n a n d h e r te am !

-Valdez Family

T h i s w a s o u r s e c o n d t i m e w o r k i n g w i th L o r e n . W e b o u g h t o u r fi r st h o m e w i t h h e r i n 2 0 1 9 & a f t e r 2 y e a r s d e c i d e d to p u t o u r c o nd o o n t h e m a r k e t & p o t e n t i a l l y b u y a n e w h o m e . W e w e r e v e r y h e si tant & n e r v o u s t o b u y & s e l l d u r i n g th i s c r a z y r e a l e s ta te m a r k e t b u t k ne w i t w o u l d b e p o s s i b l e w i t h L o r e n a s o u r a g e n t. F r o m D a y 1 , sh e e xp l ai ne d a l l o u r o p t i o n s & m a d e u s f e e l c o m fo r ta b l e i n o u r d e c i si o n to m o ve f o r w a r d w i t h p u t t i n g o u r c o n d o o n th e m a r k e t. U p o n s e l l i ng o u r c o n d o , w e w e r e c o n t i n g e n t o f u s fi n d i n g a n e w h o m e . Af te r a f e w w e e k s o f h o u s e h u n t i n g , w e f o u n d th e p e r fe c t h o m e & L o r e n b e at o u t m u l t i p l e o f f e r s ( N o s u r p r i s e ! ) . T h r o u g h o u t th i s e n ti r e p r o c e ss, L o r e n a l w a y s m a d e u s f e e l c o m f o r ta b l e . T h e ti m e & d e d i c a ti o n sh e sh o w s h e r c l i e n t s i s t r u l y u n m a t c h e d . S h e i s e x tr e m e l y p r o fe ssi o nal , k n o w l e d g e a b l e , t r u s t w o r t h y & i s a l w a y s a v a i l a b l e to a nsw e r q u e s t i o n s . S h e i s a m a z i n g a t w h a t s h e d o e s & w i l l g o a b o ve and b e y o n d y o u r e x p e c t a t i o n s . W e a p p r e c i a te a l l y o u r h a r d w o r k & ar e l u c k y t o h a v e y o u a s o u r R e l a to r !

-The Martins

SUPERIOR RESULTS GUARANTEED W E ' R E

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C O N F I D E N T

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S E R V I C E S ,

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G U A R A N T E E

WWW.LORENSANCHEZ.COM

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