El Padrino

A home is so much more than four walls and a roof. And for most people, property represents the biggest purchase they’ll ever make. Having a concerned, but objective, third party helps you stay focused on the issues most important to you. Contact Us www.henryjvasquez.com +1 760-716-1095... [email protected] #ElPadrino #HenryJvasquez #realestate #realestatesandiego #northcountysd #broker #mortagebroker #realestateagent #realestateinvestor #realestateinvesting #realestatebroker #realestatemarketing #realestateagents #realestatesales #realestateexpert #realestateinvestment #realestatedevelopment #realestatetips #realestateagency #realestatemarket #realestatedeveloper

If you think it's expensive to hire a professional, wait till you hire a professional. Unlike your average Joe or Jane home buyer and home seller, real estate agents need to follow a strict code of ethics. Most countries offer an optional membership to the national trade group association, whether it be the National Association of Realtors in the USA, or mandatory membership to the Estate Agency Affairs Board in South Africa, which all require their members to hold themselves... to an even higher ethical standard than other real estate agents! If things were to go awry along the way (before, during or after the transaction), and a formal complaint against the real estate agent is filed, the involved real estate agent will need to justify his (in)actions to his principal broker, or even higher up at the Board! Complaints are taken very seriously, as reputational damage of the respective real estate brand can turn out to be a very costly experience! Contact Us www.henryjvasquez.com +1 760-716-1095 [email protected] #ElPadrino #HenryJvasquez #realestate #realestatesandiego #northcountysd #broker #mortagebroker #realestateagent #realestateinvestor #realestateinvesting #realestatebroker #realestatemarketing #realestateagents #realestatesales #realestateexpert #realestateinvestment #realestatedevelopment #realestatetips #realestateagency #realestatemarket #realestatedeveloper

I know what my clients value above all else: Trust. Buyers and sellers want full disclosure at all times about every document. They want to be given the heads up about important changes to housing regulations and mortgage rules. They want to be advised of realistic expectations to selling or buying their home, and dislike last-minute changes. My pre-listing package should be comprehensive, and provide clients with a thorough plan for selling or buying their dream home. Contac...t Us www.henryjvasquez.com +1 760-716-1095 [email protected] #ElPadrino #HenryJvasquez #realestate #realestatesandiego #northcountysd #broker #mortagebroker #realestateagent #realestateinvestor #realestateinvesting #realestatebroker #realestatemarketing #realestateagents #realestatesales #realestateexpert #realestateinvestment #realestatedevelopment #realestatetips #realestateagency #realestatemarket #realestatedeveloper

Refinancing Your Home In The Midst Of A Pandemic: Shop around for rates and lenders: To make sure you're getting the lowest rate possible, I suggest searching for the best lender. Under normal circumstances, you may look at mortgage rate comparison sites to find the best rate. But if you're interested in a specific lender and can't find its rates on comparison websites, that doesn't mean you should give up on that... institution. Get in touch with the lender directly and see what they can do for you. Look For Lenders Using Multiple Avenues: There's more than one way to find a refinance rate. To find the best APR during the coronavirus, Hutchins recommended trying three sources when you shop. There's real mortgage brokers, there's online mortgage brokers, and kind of just going directly to the institutions. Make sure you ask about any additional fees, too. Contact Us www.henryjvasquez.com +1 760-716-1095 [email protected] #ElPadrino #HenryJvasquez #realestate #realestatesandiego #northcountysd #broker #mortagebroker #realestateagent #realestateinvestor #realestateinvesting #realestatebroker #realestatemarketing #realestateagents #realestatesales #realestateexpert #realestateinvestment #realestatedevelopment #realestatetips #realestateagency #realestatemarket #realestatedeveloper

Refinancing is a surefire way to give yourself extra cash three digits’ worth for most people every month. And as the coronavirus outbreak has tipped consumer sentiment from uncertainty to hoarder-level panic, lenders have been swamped by people looking to grab any savings they can, while they can. For the week ending March 6, the Mortgage Bankers Association reported a 55 percent increase in refinance applications from the previous week. Here's what you need to keep your... loan on track and stay out of trouble with the lender. 1: Communicate, then communicate again. 2: Don’t let rate chaos distract you. 3: Prepare your income explainers. Contact Us www.henryjvasquez.com +1 760-716-1095 [email protected] #ElPadrino #HenryJvasquez #realestate #realestatesandiego #northcountysd #broker #mortagebroker #realestateagent #realestateinvestor #realestateinvesting #realestatebroker #realestatemarketing #realestateagents #realestatesales #realestateexpert #realestateinvestment #realestatedevelopment #realestatetips #realestateagency #realestatemarket #realestatedeveloper

As an agent, I know what I need to be looking for. Buyers usually have a pretty firm idea in mind of what they want in a property, from number of bedrooms to an attached garage to any number of other must-have and must-not-have factors. You'll probably feel pretty comfortable looking at homes with that list tucked firmly in the back of your mind. But your agent will be alert for issues that might not cross your mind, such as furnace issues, leaks, roofing problems, and mold a...nd insect issues. An agent will recognize the telltale signs of these problems and know how best to approach them. Again, this experience and knowledge can end up saving you thousands down the road. An agent can hand over researched, current, and reputable data regarding a neighborhood's demographics, crime rates, schools, and other important factors. That's a lot of time-consuming research to do on your own, particularly if you don't know where to start. Contact Us www.henryjvasquez.com +1 760-716-1095 [email protected] #ElPadrino #HenryJvasquez #realestate #realestatesandiego #northcountysd #broker #mortagebroker #realestateagent #realestateinvestor #realestateinvesting #realestatebroker #realestatemarketing #realestateagents #realestatesales #realestateexpert #realestateinvestment #realestatedevelopment #realestatetips #realestateagency #realestatemarket #realestatedeveloper

Privacy, Confidentiality and Fiduciary Duty. As your real estate agent, I have your back whether you're a buyer or a seller. Agents have what's known as a ""fiduciary"" responsibility to their clients. They legally obligated to put their clients' best interests first. This duty imparts a very high standard for confidentiality. As a buyer, do you really, really want to turn over your most intimate financial details to a FSBO seller who's under no legal obligation to keep the i...nformation confidential? The same goes for turning any and all information over to the seller's agent, who has no fiduciary responsibility to you but only to the seller. Your own agent would know whether any information the other agent is requesting from you is reasonable. Contact Us www.henryjvasquez.com +1 760-716-1095 [email protected] #ElPadrino #HenryJvasquez #realestate #realestatesandiego #northcountysd #broker #mortagebroker #realestateagent #realestateinvestor #realestateinvesting #realestatebroker #realestatemarketing #realestateagents #realestatesales #realestateexpert #realestateinvestment #realestatedevelopment #realestatetips #realestateagency #realestatemarket #realestatedeveloper

You might be far out of your element when it comes to reviewing and understanding the multiple documents involved in a real estate deal, and you should have a thorough understanding of what you're getting into regardless of whether you're buying or selling. Purchase agreements alone can top 10 pages in 2019, not to mention federal, state, and local document requirements. Luckily, your agent will be far more familiar with all this paperwork than you are. Consider this if you'...re still thinking about saving money: Some mistakes or omissions in these documents can cost you as much as that commission you were trying to avoid payingor even far more. Here's an example: Maybe a buyer makes an offer on a home, but it's contingent on getting a mortgage. There's no possibility that the buyer could purchase the property without first securing financingbut there's no such contingency or escape hatch built into the purchase agreement to let the buyer out of the deal if financing fails. The buyer is obligated to go through with the sale or be sued if it turns out that a mortgage isn't happening. Contact Us www.henryjvasquez.com +1 760-716-1095 [email protected] #ElPadrino #HenryJvasquez #realestate #realestatesandiego #northcountysd #broker #mortagebroker #realestateagent #realestateinvestor #realestateinvesting #realestatebroker #realestatemarketing #realestateagents #realestatesales #realestateexpert #realestateinvestment #realestatedevelopment #realestatetips #realestateagency #realestatemarket #realestatedeveloper

Consider this if you're contemplating going ""FSBO""for sale by ownerwhen listing your home. Of course, you want to get as much for their home as possible, and you might think that means not parting with extra commissions. But a 2017 study indicated that FSBOs fetched about 30% less for their owners than agent-listed properties. And you're probably going to have to pay a commission anyway if your buyer is represented by an agent. The buyer's agent's commission is typically... factored into the dealalthough you'll still save on the commission you would otherwise have paid your own agent. Contact Us www.henryjvasquez.com +1 760-716-1095 [email protected] #ElPadrino #HenryJvasquez #realestate #realestatesandiego #northcountysd #broker #mortagebroker #realestateagent #realestateinvestor #realestateinvesting #realestatebroker #realestatemarketing #realestateagents #realestatesales #realestateexpert #realestateinvestment #realestatedevelopment #realestatetips #realestateagency #realestatemarket #realestatedeveloper

We know how to manage transactions. Even a straightforward sale can derail unless both parties honor deadlines and stay ahead of potential problems. A buyer or seller who goes it alone risks making errors that otherwise would have been prevented by an experienced professional. A real estate agent can correct issues with the purchase agreement, make sure inspections and repairs are completed in a timely manner, and keep both parties on schedule to make the closing. Contact Us ... www.henryjvasquez.com +1 760-716-1095 [email protected] #ElPadrino #HenryJvasquez #realestate #realestatesandiego #northcountysd #broker #mortagebroker #realestateagent #realestateinvestor #realestateinvesting #realestatebroker #realestatemarketing #realestateagents #realestatesales #realestateexpert #realestateinvestment #realestatedevelopment #realestatetips #realestateagency #realestatemarket #realestatedeveloper

Real estate agents negotiate on your behalf. A real estate transaction involves various steps: from making and accepting an offer to completing inspections and repairs. A buyer's agent will help craft an offer that's reflective of the market and sensitive to her client's budget, while a seller's agent will set a listing price that not only attracts multiple buyers but also recognizes the worth of the property.... A seller's agent also can advise her client as to what repairs will earn the most bang for the buck, while a buyer's agent can look for problems in a home that could end up costing her client thousands of dollars down the road.

Agents have resources. Agents work with a variety of other real estate professionals with whom you might need to call upon, such as mortgage consultants, home inspectors, attorneys and title companies. If complications arise during the buying and selling process, your agent can recommend the best professional to help you with your specific situation and serve as your intermediary if necessary. In addition, such tools as the multiple listing service puts a wealth of market dat...a at your agent's fingertips -- information not available from consumer real estate websites. Contact Us www.henryjvasquez.com +1 760-716-1095 [email protected] #ElPadrino #HenryJvasquez #realestate #realestatesandiego #northcountysd #broker #mortagebroker #realestateagent #realestateinvestor #realestateinvesting #realestatebroker #realestatemarketing #realestateagents #realestatesales #realestateexpert #realestateinvestment #realestatedevelopment #realestatetips #realestateagency #realestatemarket #realestatedeveloper

Does Your Agent Still Matter? Real estate transactions are almost always about the bottom line. A professional real estate agent's knowledge of the local market and access to home listings and sales data helps him recommend realistic prices to both buyers and sellers. An experienced agent also will be familiar with market trends over a long period of time. Although the decision about how much to offer or how much to accept ultimately lies with the consumer, your agent's advice helps to ensure that the deal you make is a fair one.

When shouldn't you refinance? Reason #1: You're Not Planning on Staying Put. Reason #2: Your Credit Score Is Lacking. Reason #3: You Can't Afford the Closing Costs. Reason #4: Long-Term Costs Outweigh Your Savings.... Reason #5: You Want to Tap Into Your Home's Equity Contact Us www.henryjvasquez.com +1 760-716-1095 [email protected] #ElPadrino #HenryJvasquez #realestate #realestatesandiego #northcountysd #broker #mortagebroker #realestateagent #realestateinvestor #realestateinvesting #realestatebroker #realestatemarketing #realestateagents #realestatesales #realestateexpert #realestateinvestment #realestatedevelopment #realestatetips #realestateagency #realestatemarket #realestatedeveloper