Home Buyers’ Guide
Move Beyond Your Expectations
Meet Angela, Nhila, and Hana—a dynamic team of real estate professionals united by our dedication to clients, community, and personal excellence. Our collective experience spans over decades in the San Diego marketplace, where we focus on areas such as Del Mar, Carmel Valley, and North County Coastal Communities. Each team member brings a unique set of skills and experiences, from technical solutions and real estate investment to international backgrounds and multilingual capabilities.
We share a passion for real estate matched by our commitment to our families and community. We believe in inspiring those around us to live well and be healthy, values that we integrate into our professional lives. We prioritize understanding the individual motivations of our clients, forging lasting relationships based on trust and personalized service.
Staying ahead of the latest trends in the San Diego market, we are dedicated to educating our clients throughout the home buying and selling process. We measure our success not by achievements or awards, but by the satisfaction and referrals of our clients. Our extensive network of industry professionals and our resilience and strength, drawn from diverse life experiences, enable us to navigate and excel in the luxury real estate market.
Together, as part of Pacific Sotheby’s International Realty, Angela, Nhila, and Hana are committed to providing exceptional service and achieving excellence in every transaction, making a positive impact on our clients and our community.
Our Mission
Our relationships do not end when your home buying process ends. We thrive on being a continuous source for years to come.
Our philosophy is simple: Clients come first.
We pledge strong communication with our clients, keeping lines of communication open, honest, and flowing.
We believe that if you’re not left with a feeling of exceptional service, we haven’t done our job.
We don’t measure success through achievements or awards, but whether our clients are eager to refer us to others and trust us with their future business.
Home Buyers’ Guide in Details
Meet with your Agents
Agreements:
Discuss and complete the Buyer Broker Agreement and Compensation Agreement.
Advisory Fees
Pacific Sotheby’s International Realty and your advisor are compensated by you per the terms of a Buyer’s Representation Agreement.
SELLER-PAID BUYER’S BROKER COMPENSATION
The seller may offer or agree to pay a Buyer’s Broker compensation through a concession. In most transactions, we will request that the seller pay the Buyer’s Broker compensation as a term of the transaction.
BUYER-PAID COMMISSION
The seller may only offer a portion of the buyer’s broker compensation in any particular transaction. Any portion of the Buyer’s Broker compensation not covered by a concession, would have to be paid by you pursuant to the terms of the Buyer’s Representation Agreement.
Consumer Guide
WHY AM I BEING ASKED TO SIGN A BUYER AGREEMENT?
If you’re a homebuyer working with an agent who is a REALTOR®, it means you are working with a professional who is ethically obligated to act in your best interest. As of August 17, 2024, you will be asked to sign a written buyer agreement after you’ve chosen the professional you want to work with. Here’s what you should know about these agreements:
WHAT IS A “WRITTEN BUYER AGREEMENT?” WHAT DOES IT DO?
A written buyer agreement is an agreement between you and your real estate professional outlining the services your real estate professional will provide you, and what they will be paid for those services.
WHY AM I BEING ASKED TO SIGN AN AGREEMENT?
Written buyer agreements became a nationwide requirement for many real estate professionals as a part of the National Association of REALTORS®’ proposed settlement of litigation related to broker commissions. The requirement went into effect on August 17, 2024.
ARE THESE AGREEMENTS NEW?
In some places, yes. Many states have required them for years, while some have not. As a result, it is entirely possible you or others you know have not used them in the recent past. Regardless, they are now a nationwide requirement for many real estate professionals.
ARE THESE AGREEMENTS NEGOTIABLE?
Yes! You should feel empowered to negotiate any aspect of the agreement with your real estate professional, such as the services you want to receive, the length of the agreement, and the compensation, if any. Compensation between you and your real estate professional is negotiable and not set by law. In the written agreement, the compensation must be clearly defined (e.g., $0, X flat fee, X percent, X hourly rate)—and not open-ended or a range. Only sign an agreement that reflects what you have agreed to with your real estate professional.
HOW DO I BENEFIT FROM THESE AGREEMENTS?
These agreements clearly lay out what services you (as a homebuyer) expect your real estate professional to provide, and what your real estate professional will be paid. These agreements make things clear and reduce any potential confusion at the outset of your relationship with your real estate professional.
WHEN DO I NEED TO SIGN AN AGREEMENT?
You will be asked to enter into a written buyer agreement with your real estate professional before “touring” a home with them, either in-person or virtually. If you are simply visiting an open house on your own or asking a real estate professional about their services, you do not need to sign a written buyer agreement.
DOES THIS MEAN I HAVE TO PAY MY REAL ESTATE PROFESSIONAL OUT OF POCKET?
Not necessarily. While you are responsible for paying your real estate professional as outlined by your agreement, you can still request, negotiate for, and receive compensation for your real estate professional from the seller or their agent.
DO AGREEMENTS DICTATE A SPECIFIC TYPE OF RELATIONSHIP I NEED TO HAVE WITH MY REAL ESTATE PROFESSIONAL?
No—you are allowed to enter into any type of business relationship with your real estate professional allowed by state law where you are purchasing a home.
CAN I CHANGE OR EXIT AN AGREEMENT?
Yes. You and your real estate professional can mutually agree to change your agreement. Agreements may have specific conditions under which they can be exited, so read the text of the agreement and speak with your real estate professional if you would like to change or exit your agreement
Please visit facts.realtor for more information, and consult your real estate professional or attorney for details about state law where you are purchasing a home.
The Home Buying Process
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• Needs, wants and priorities: Make a list of must haves in your home, what can you live with and without such as number of rooms, yard, pool, square footage, etc.
• Purchase Timeline: How soon would you like to move; do you need to sell an existing home.
• Financial parameters and cost: Decide your method of payment; cash or loan. If you are choosing to take out a loan, contact a lender to get pre-qualified. If you do not have a lender, we are happy to refer a few to choose from.
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• Let us help you assess Market conditions and Values
• Discuss the pros and cons of different neighborhoods
• Understanding Comps
• Get pre-approved
3
CONSIDERATIONS SEARCH PREPARATIONS
• Exploring options and learning the market
PREPARING YOUR OFFER CONTINGENCIES OPEN ESCROW
• Review property documents
• Comparative Market Analysis
• Negotiation of best terms and price
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• Buyer good faith deposit
• Preliminary Title Report
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• Property inspections
• Review disclosures and reports
• Lender appraisal
• Contingency removal
WEEK BEFORE CLOSING DAY OF CLOSING
• Final walk through
• Buyer’s closing funds
• Funding of loan
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• Record title
• Delivery of keys
• Prepare to move in!
Financial Preparation
The most important first step in the home buying process is understanding the loan programs available and the qualifying requirements of each program.
PREPARING FOR THE LOAN APPLICATION
1. All financial specialists will require you to provide proof of assets and income, good credit standing, employment verification, tax returns and other personal financial documentation.
2. Review all available loan products with your financial provider to determine the loan that is best suited for your situation.
3. Discuss your credit standing and your income to ensure you qualify for the type of loan you want.
4. Seek out alternatives with your lender if your present credit and income situation do not qualify for a specific loan type. There is a multitude of non-conventional loan products available for unique situations.
5. For self-employed borrowers, a financial specialist can help you compare the cost difference between increasing your taxable income to qualify vs. using a bank statement program with a higher interest rate.
Following these initial steps will enable your loan specialist to prepare a strong preapproval letter when you are ready to begin the home shopping process.
Next Steps: Making an Offer
THE ABILITY TO MOVE QUICKLY WILL BE YOUR BIGGEST ADVANTAGE
Once you have found the property you want, we will write a purchase agreement. While much of the offer is standard, there are a few areas we can negotiate:
PRICE
What you offer on a property depends on a number of factors, including its condition, length of time on the market, buyer activity and the urgency of the seller.
DUE DILIGENCE PERIOD
Conducting your inspections expeditiously shows seriousness and increases your odds of acceptance.
MOVE IN DATE
If you can be flexible on the possession date, the seller will be more apt to accept your offer over others.
OFFER DETAILS: INCLUSIONS & EXCLUSIONS
Often the seller plans on leaving major appliances in the home; however, which items stay or go is often a matter of negotiation.
Typically you will not be present at the offer presentation. We will present it to the listing agent and/or seller. The seller will then do one of the following:
Accept the offer | Reject the offer | Counter the offer
By far the most common of these is the counteroffer. If a counteroffer is presented, you and I will work together to review each specific area of it, making sure that we move forward with your goals in mind and ensuring that we negotiate the best possible price and terms on your behalf.
• Discuss our strategic approach
• Comparative Market Analysis (CMA)
• Review Property documents
• Negotiate Offer and Terms
9 Purchase Price
9 Earnest Deposit Amount (due within 3 business days)
9 Close of Escrow Date
9 Asking for Seller Concessions?
9 Inclusions/Exclusions (refrigerator, washer, dryer, spa, etc.)
9 Time for Seller Response
9 Due diligence timeline
• Offer Outcomes
9 Accept 9 Reject
9 Counter OPEN ESCROW
• Buyers’ good faith Deposit (Earnest Money deposit): Offer Acceptance
9 Usually within 3 days.
9 The escrow Company will provide wire instructions for the deposit and hold the money as a neutral third party. All wire instructions must be verified verbally directly with the escrow company.
9 The escrow Company does not accept cash.
9 During escrow, buyers will be asked to complete an escrow document package sent to them by the escrow company. Your escrow officer and your agent will advise you on how to complete them.
• Preliminary Title Report
9 Receive Preliminary Title Report
9 Discuss with escrow and Title companies how to hold title
CONTINGENCIES
• Let us help you find the right:
9 Home Inspectors
9 Homeowner’s Insurance Providers
9 Home Warranty Companies
9 Contractor (If needed)
9 Pest & Termite Companies
• Property Inspections:
9 Review Disclosures (TDS, SPQ) and Reports such as insurance claims, deaths, and all history of renovations, improvements, and changes.
9 Review Preliminary Title Report
9 General Property inspection. This process typically last 2.5 – 3 hours, and you will be meeting with the inspector towards the last 30 minutes to discuss the findings. Your agent will accompany you to this meeting.
9 Schedule any additional inspections, based on findings (Roof, sewage, pool, chimney, HVAC, etc.)
9 Termite Inspection
9 Discuss a repair Request (Form RR)/ Negotiate.
9 It is important to read the title report, review CC&R’s and other restrictions that may affect the use of the property.
• Lender Contingencies
9 Obtain property insurance
9 Discuss loan fees with lender
9 Appraisal
9 Underwriting
9 Understand your payment options
9 Loan disclosures
9 Discuss loan contingency removal
• Contingency Removal:
9 Your agent will guide you through timelines and your ability to perform
WEEK BEFORE CLOSING:
• Final Walk through:
9 Your Realtor® will accompany you to walk through the property to determine that it is in substantially the same condition as it was when the contract was written and that any repairs were completed. You will be asked to sign a verification of the property condition
• Buyer’s closing Process
9 Signing Closing Documents Buyer to review their ESTIMATED closing statement with Escrow and Agent
9 Typically occurs up to 3 days prior to close of escrow and includes your loan documents, if applicable. You will sign at the office of the Title Company, or they will arrange for a remote signing with a notary at a place more convenient for you.
9 Note: A fee may be charged for mobile notary services.
• Funding of loan
9 Your lender will contact you when your loan funds, but you don’t own the property until it is recorded with the city.
• Prepare to move in
9 Schedule turning on of Utilities: As of the close of escrow date.
9 Change of mailing address: To occur on the close of escrow date.
9 Ensure homeowner’s insurance is in place: Effective the close of escrow date
DAY OF CLOSING:
• Record Title
9 Close of Escrow: Close of Escrow happens when the Deed records with the county on the date of closing. This is the moment that ownership transfers from the sellers to you.
• Delivery of Key
9 Close of Escrow: Your agent will give you all keys, remotes, etc. only after the recording at the county is complete.
Welcome Home
We take great pleasure in discovering and bringing to life all the things that make a home unique. Our considerable experience, resources and global connections artfully unite these special places with those who will cherish them as we do.
Pacific Sotheby’s International Realty’s team of local experts makes every move seamless by providing the latest market data, local insights, and exceptional service.
10 Essential Advantages of Representation
KNOWLEDGE & EXPERIENCE
Our expertise delivers indepth insights into the local market, from pricing trends to sought-after neighborhoods, empowering you to make confident, informed decisions.
SUPERIOR ACCESS
We provide exclusive access to Off-Market, Coming Soon, and Broker Exclusive listings, offering you a competitive edge with properties not yet available to the public.
VAST NETWORK
We have access to a global network of industry professionals, including inspectors, mortgage brokers, and other real estate advisors, to expedite processes and unearth opportunities, ensuring a seamless experience for you.
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TRUSTED COUNSEL
Buying a home can be emotionally charged. We serve as confidential advisors and fiduciaries, ensuring that emotions don’t cloud judgment or derail a transaction.
FUTURE GUIDANCE
Even after your transaction is complete, you can rely on us as a trusted resource, always available to provide advice on home improvements, market trends, and much more.
CONTRACT NAVIGATION
We are well-versed in the complexities surrounding the legal paperwork involved in real estate transactions and can help you navigate disclosures and reports, helping you avoid mistakes.
PROBLEM SOLVING
We have a proven track record of overcoming hurdles and are equipped to tackle any obstacles that may arise, ensuring a smooth and successful outcome.
TIME SAVING
We handle all the behind-thescenes work, from property research to paperwork, streamlining the process and saving you valuable time.
RISK MITIGATION
Mistakes in real estate can be costly. With our experience, we will help you make the right investment.
PROFESSIONAL DEVELOPMENT
The real estate market and its regulations are continually evolving. Pacific Sotheby’s International Realty is committed to continuous education and learning, ensuring we provide you with informed and experienced service that stays ahead of the curve.
Your Team
YOUR GLOBAL REAL ESTATE ADVISOR
To provide you with the support, market knowledge and negotiation skills to ensure we reach your home buying goals.
LOAN OFFICER
Walks you through loan options, gathers documents and takes formal loan application.
LENDER/UNDERWRITER
Reviews documents from Loan Officer and gives final loan approval.
INSPECTOR
Evaluates the property for potential issues and provides a report detailing their recommendations (buyer typically pays for inspection when the inspection is conducted).
APPRAISER
Estimates the market value of the home (for the bank/lender).
TITLE
Protects new homeowners (you!) against loss or damage occurring from liens, encumbrances, or defects in title or actual ownership of the property.
ESCROW
Independent, neutral third party by which the interests of all parties to the transaction are protected. Escrow will hold earnest money, prepare closing documents, and schedule for signing.
TRANSACTION COORDINATOR
A real estate transaction coordinator manages contracts throughout the selling and buying process. They are responsible for completing escrow paperwork, scheduling repairs and inspections, and making sure offers and counteroffers are approved.
Roles in the Buying Process
YOU ME
Explore neighborhoods and communities
Get financials in order
Get pre-qualified
Browse for homes
Attend open houses
Communicate feedback
Timely signing of documents
Ask me questions
Home searching
Send me properties
Sign the Buyer Broker Agreement
Home credit responsibilities
Ask questions!
US
Search for homes
Private property tours
Fine-tune our search based on changed goals
Discover new neighborhoods
Review inspections and due diligence
Collaborate
Provide community knowledge
Network with peers
Listen to you, advocate for you and protect your interests
Touch base with lender
Search for exclusives, coming soons, and premarket properties
Answer your questions
Present curated property selections
Personal home tours
Virtual tours and walk throughs
Close communication with listing agent
Provide value via brand and expertise
Strategically construct your offer based on the current landscape to win the deal!
Angela Meakins Nhila Kliber
GLOBAL REAL ESTATE ADVISOR
DRE# 014597261
ANGELA@ANGELAMEAKINS.COM
858.405.9270
Angela is a dynamic, passionate, and highly motivated individual who excels in exceeding expectations. As a dedicated mother of two, she sets an example for her family by encouraging a lifestyle that embraces health and wellness. In her role as a top producer at Pacific Sotheby’s International Realty, Angela channels the same enthusiasm and determination that she brings to all aspects of her life.
Angela credits her achievements in the real estate industry to her exceptional ability to grasp each client’s unique aspirations and her commitment to nurturing long-lasting connections. She views her success not only in terms of transactions but by the positive impact she has on her clients’ lives. Serving as a Global Real Estate Advisor, Angela remains well-informed about the latest trends in the San Diego market while also prioritizing issues relevant to her family and clients, such as developments in the local school system and community wellness news.
With a background as a triathlete and international experience in education and finance, Angela demonstrates resilience and a calm demeanor in all situations. Leveraging her background, she consistently forges strong relationships, supported by a vast network of luxury consultants, ensuring that her clients receive unparalleled service. Drawing on her mental toughness honed through her Iron(wo)man experience, Angela adeptly guides her clients through negotiations to achieve their desired outcomes. An inspirational figure for her family, Angela instills the belief that success is founded on a healthy mind and body.
Residing in Del Mar for more than 22 years, Angela originally hails from Vancouver, Canada, and is grateful to now call California her home. Her favorite quote, “It’s never crowded along the extra mile,” reflects her belief in going above and beyond to deliver exceptional results. With a proven track record spanning over two decades, Angela has earned a reputation as a trusted and respected real estate advisor, known for expertly managing emotions and negotiations to achieve outstanding outcomes. Her dedication to personalized service has fostered strong loyalty among her clients, many of whom have been with her since the beginning and continue to refer others due to their positive experiences.
GLOBAL REAL ESTATE ADVISOR
DRE# 02063887
HOMES@NHILAKLIBER.COM
858.573.2007
With over 25 years of extensive experience in the sales and marketing sector, Nhila has established herself as a leading realtor in the San Diego marketplace. Her diverse background encompasses a wide range of industries, providing a unique blend of experience equipping her with insights and skills that are invaluable to her clients, enabling her to navigate complex real estate transactions with ease.
Not only is Nhila a devoted mother of two, guiding and inspiring her children daily to think independently and broaden their knowledge, she is a dedicated partner in her real estate business, committed to guiding her clients through one of the most significant transactions of their lives. She consistently demonstrates exceptional performance and skillful negotiations, earning recognition and establishing herself as a trusted name among her clients.
A passionate advocate for client education, Nhila believes that knowledge empowers her clients. She insists on providing one-on-one consultations to ensure they are educated, confident and well-informed throughout the home buying and selling processes. Her dedication to building strong, lasting relationships is reflected in her high rate of repeat business and referrals. She takes the time to understand her clients’ unique needs, tailoring her approach to provide a personalized experience that fosters trust and loyalty.
Nhila’s market expertise is evident in her diligent research and up-to-date knowledge of San Diego’s housing market trends. She uses this expertise to offer strategic advice, helping her clients position themselves competitively, whether they are pricing a home for sale or seeking neighborhood insights. Her extensive professional network, which includes mortgage brokers, home inspectors, and contractors, further enhances her ability to provide valuable referrals and streamline the transaction process.
In the spirit of giving back, Nhila enjoys engaging with her community. She actively hosts local community events, enriching her relationships and understanding of the neighborhoods she serves. This community involvement allows her to connect with clients on a deeper level and grasp the dynamics that influence real estate decisions.
Hana Kharroubi
GLOBAL REAL ESTATE ADVISOR
DRE# 02206060
HANA@HANAKHAROUBI.COM
619.549.4262
Hana is a highly accomplished business woman with extensive experience and an unwavering passion for helping her clients achieve their property dreams achieve their property goals in San Diego’s most desirable neighborhoods. Originally from Tunisia, Hana holds a degree in Banking and Finance and later earned a degree in Economics from San Diego State University. With almost 25 years in the city, she has built an intimate knowledge of San Diego’s real estate market and developed a reputation for providing exceptional, personalized service.
Hana’s career began with 19+ years of success in implementing technology solutions for a prominent investment management firm. Her analytical skills and business acumen are complemented by her experience growing up in her family’s hotel, where she learned the importance of customer service, attention to detail, and cultural sensitivity. This unique blend of hospitality and technical expertise allows Hana to offer her clients a well-rounded, highly professional approach to buying and selling homes.
Fluent in English, Arabic, French, Italian, and self-taught Spanish, Hana seamlessly connects with a diverse clientele, ensuring clear communication and a deep understanding of their needs. Her approach is centered on creating trust and delivering results, whether working with first-time buyers, seasoned investors, or international clients seeking luxury properties.
In her personal life, Hana enjoys exploring San Diego’s vibrant culture, from beach outings to concerts, while balancing time with her three children. This strong sense of work-life balance translates into her professional life, where she is dedicated to helping clients not just find a house but a home that aligns with their lifestyle and long-term aspirations and help navigate one of the most important milestones in their lifetime.
Being part of Pacific Sotheby’s International Realty places Hana at the forefront of the luxury market. Her global perspective, combined with a passion for real estate, art, and culture, enables her to collaborate with industry leaders and provide unparalleled service to her clients. Whether you’re buying or selling, Hana is committed to making your real estate journey seamless, informed, and successful.
Our World is Yours
GLOBAL CONNECTIONS
1,115 Offices Worldwide
83 Countries & Territories
26,500 Sales Associates
$143B Annual Sales (USD)
Sotheby's International Realty is the only truly global luxury real estate company with 26,500 advisors working in more than 1,115 local offices across 83 countries and territories. Our unparalleled network works together to meet your needs and expectations.
SOTHEBY’S AUCTION LOCATIONS
Sotheby’s has a global network of 80 offices in 40 countries, presents auctions in 9 sales rooms around the world, and has private sales galleries in New York, Hong Kong, and London.
Client Endorsements
Angela is a realtor angel. This was my first time working with her and she blew us away. She was an all-star - from her professionalism, industry knowledge, availability, drive, experience, proactiveness, all the way to her approachable demeanor. Even her rolodex of associates from inspectors, loan agents, and specialists (foundation, termite, etc) were highly competent and made themselves readily available even in this pandemic time period. We purchased in Del Mar and she knows the area like the back of her hand - which streets are great for families, lower noise, higher future property value, etc. What I liked most outside of her real estate experience was just that she genuinely got to know us on a personal level and adapted her approach accordingly - even down to our preferred style of communication (including frequency, method - text vs call, after hours, etc...). She never pressured us or was salesy and even took the other side a few times on being able to keep looking for other places if we wanted. She went to bat for me several times successfully with the seller, all in a positive way keeping a great working relationship with the seller’s agent. She has reached out several times after the sale closed just to check in and offer her help and advice, which is ridiculously above and beyond, but what makes her so special. If you get the opportunity to work with Angela I would not hesitate, jump! She’s amazing.
- KATIE A. | BUYER IN DEL MAR
I think Angela is a rock star! She is extremely knowledgeable about the properties, she knows the details (about the HOA, the property history, etc.), provides first-class treatment to her clients, and is always available for questions, concerns, or just to speak. In addition to all of that, she is a wonderful person, and has taken the time to get to know our family, which is very much appreciated. Our experience with Angela was fantastic, and she was a big selling point for us in our decisionmaking process.
Angela represented us in our purchase of a home in Del Mar Heights. The first house we saw was in our price range, but required extensive repairs. Instead of saying, “Oh, all you would need to do is” Angela said, “Nope. Too much work”, and took us to the next house. She cares about getting the transaction right for your family. We had a 30-day escrow, and literally every day during that period Angela was doing something on our behalf to ensure that every element of the transaction that needed to happen was happening. If she felt that the loan officer was not being responsive enough, she went to the supervisor. If she did not receive a response to an e-mail, she picked up the phone and called the person. She only works with the best of the best, and her escrow and title representatives all worked in such a professional, competent manner to ensure that we closed on time. We could not have had a better experience. We would recommend Angela enthusiastically and without reservation to anyone who needs to buy or sell a home in San Diego.
- ROBB & MARY M. | BUYER IN DEL MAR
Angela was a pleasure to work with and helped me find the perfect home in San Diego from halfway across the globe! She went above and beyond to make sure the transaction went smoothly and more importantly she was honest and upfront about everything that was discovered during the escrow period. Her negotiation skills and ability to diffuse any situation is truly valuable and sets her apart from the rest. I will definitely be using Angela for all of my real estate needs in the future
- INTERNATIONAL BUYER
This was our second time working with Angela and she continues to amaze. Her swift action and thoughtful approach allowed us to secure our dream home despite fierce competition from other buyers. Faced with a short escrow period, Angela sprang into action and managed every aspect of the transaction. Without her hands on approach and attention to detail our dream would not have become a reality. We are thrilled about the outcome and highly recommend Angela for your next home purchase
-BETH & GREG L. | BUYER
My family and I moved from Brooklyn, NY to enjoy the great weather and outdoor activities in San Diego. Working with Angela is such a great pleasure. Most of the real estate people we tried to work with know the area, but Angela brings to the table much more than that - The good vibes, kindness and professionalism, together with the ability to close a deal and get your dream home is something we couldn’t find somewhere else. I would highly recommend Angela for any of your real estate needs in the San Diego area, and my family and I would love to have her close to us again if/when we decide to wear the seller’s hat
-RECUERDO | BUYER IN DEL MAR
Angela (and her team) is the best realtor we have worked with over the past 25 years. She is well known in the area and is very knowledgeable about locations and comparable homes and has an excellent network of service professionals. We never felt pressured by her and she is fantastic about answering emails, texts and phone.
-ANTHONY S. | BUYER IN ENCINITAS
Angela is the best! Very professional and knowledgeable about the local market. Excellent attention to detail. Understood our needs and helped us zero in quickly on the right properties. A pleasure to work with!
-KYLE W. | BUYER
Preparing to Buy Mortage Loan Checklist
PERSONAL CHECKLIST FOR PRIORITIZING YOUR MOST IMPORTANT CONCERNS BE PREPARED
In what areas are you interested in living?
Are there specific neighborhoods you prefer?
What is your price range?
Is having a homeowners association important to you? YES NO
Do you have a lender? YES NO Have you been pre-approved? YES NO
Do you need to complete your existing lease? YES NO Lease end date
Do you need to sell your current residence? YES NO
If yes, describe your home:
What is your timeline for purchasing a new property?
Do you prefer: 1-story Multi-level No preference
Preferred number of bedrooms: Preferred number of bathrooms:
Preferred
Which of the following are important in your new home? Yard Pool New Construction
Fireplace AC/Heating Office Children’s Area Hardwood Floors Garage
Which of the following are important to you about your new neighborhood? Easy Commute
Parks Shopping/Restaurants Freeway/Transit Private Schools Public Schools
Other things that are important:
CONTRACTS
Copy of Sales Contract (on the purchase of your new home)
Copy of Sales Contract and certified copy of Closing Statement (on the sale of your present home)
RESIDENCE HISTORY
Past 24 months of residence with complete addresses and dates
If currently renting, landlord’s name and contact information
EMPLOYMENT HISTORY
Employers for the past two years with complete addresses and dates
W2 forms (most recent two years)
Tax returns with all schedules (most recent two years)
If self-employed, YTD profit and loss statement and current balance sheet
If you have gaps in employment, be prepared to explain
ACCOUNTS
Copies of most recent statements (3 months) for all loans and credit cards with current balances
Copies of most recent bank statements (3 months) for all accounts, stock brokerages, mutual funds, IRAs, pensions, etc.
CURRENT REAL ESTATE
Property addresses with estimated market values
Outstanding loan balances (bring copy of recent loan statement)
Amount of monthly payment
Amount of monthly rental income (copy of rental agreements)
PERSONAL PROPERTY
Net cash value of your insurance
Year, make and value of all vehicles
Value of your furniture and personal property
Value of any additional property used to procure loan
IF APPLICABLE
Copy of divorce papers
Certificate of eligibility & DD214 (for VA only)
Copy of drivers license and Social Security Card (for FHA only)
NOW, MORE THAN EVER
Who you work with Matters!
Any Questions?
Fluent in English, Arabic, French, and Italian
