Knowledge and experience are the keys to successful real estate transactions.

Working as your agent, I can provide you with an enormous amount of valuable information. Such data, combined with my expertise, experience and training, can be an essential key to your success.

One of the keys to making the home buying process easier and more understandable is planning. In doing so, you’ll be able to anticipate requests from lenders, lawyers and a host of other professionals. Furthermore, planning will help you discover valuable shortcuts in the home buying process.

12 Steps to Financing Your New Home

1. Find a lender. Ask friends, family or co-workers for referrals; speak with local real estate agents; search the Internet.

2. Fill out a loan application.

3. Get an estimate of closing costs from the lender you choose. By law, the lender is required to provide this statement to you within three days of receiving the loan application. Make sure to ask what type of loan program your lender has selected for you, including the rates, terms and any special information, such as prepayment penalties.

4. Compare costs, fees and terms of loans if you are working with more than one lender.

5. Negotiate fees. Sometimes you can negotiate the amount of fees or loan points (a point is 1 percent of the loan amount) the lender charges you.

6. Consider lowering your interest rate by paying more points. The relationship of interest rate to points paid is an inverse one; the more points you pay, the lower the interest rate.

7. Provide required documentation.

8. Pay any up-front fees. Sometimes the lender requires that the appraisal, or processing fee be paid at the beginning.

9. Review loan papers. Approximately one week prior to closing, loan papers will be ready for your review. Make sure the loan matches the original quote you were given.

10. Sign your loan papers and your down payment funds into your account four to six days prior to closing.

11. Bring a cashier’s check for the down payment to the title company, escrow company or attorney handling the closing. The lender will send the title company a check for the loan amount.

12. Get ready to congratulate yourself! Once the transaction closes and you have signed off on all contingencies, you will receive a copy of the deed and a set of keys, and you then own the home!

 

 

Trustee Sales Report: Naples (Long Beach, CA 90803)

For August 23^rd - 27^th, 2010

The properties listed below are scheduled to be sold at Trustee Sale on the stated date, time and location.  Please note that there are occasions where the Trustee Sale is postponed or cancelled.

5580 E. Saint Irmo Walk

• Single family home: 3 bedrooms / 3 bathrooms / 2,187 sqft / 2,400 sqft lot
• Date: August 23, 2010
• Time: 1 PM
• Location: 350 W. MISSION BLVD.  POMONA, CA
• Published bid: $700,649

133 Rivo Alto Canal

• Single family home: 3 bedrooms / 3 bathrooms / 3,481 sqft / 3,840 sqft lot
• Date: August 24, 2010
• Time: 10:30 AM
• Location: 12720 NORWALK BLVD.  NORWALK, CA
• Published bid: $1,981,976

127 N. Loreta Walk

• Single family home: 5 bedrooms / 3 bathrooms / 2,205 sqft / 2,400 sqft lot
• Date: August 24, 2010
• Time: 10:30 AM
• Location: 12720 NORWALK BLVD.  NORWALK, CA
• Published bid: $780,059

230 San Marco Drive

• Single family home: 3 bedrooms / 1 bathrooms / 1,121 sqft / 5,324 sqft lot
• Date: August 26, 2010
• Time: 10:30 AM
• Location: 12720 NORWALK BLVD.  NORWALK, CA
• Published bid: $940,767

 

In the event the home is taken back by the bank, I will blog this so please come back 24-48 hours after the stated sale date for an update.

Should you be interested in being posted when bank owned homes hit the market as active listings, I have a daily and/or weekly list that goes out.  This list is sent directly to your email and you will not receive any other correspondences from me unless you ask.

If interested email me at: GGasparRE@Yahoo.com and request to receive the "Active Listing Foreclosure List" and I will place you on the list.  Should you have any other questions please feel free to call or text me directly at (714) 612-0995.

You can also follow me on Twitter for daily updates on newly acquired bank owned properties with in the cities of Long Beach, Rossmoor, Los Alamitos, Cypress and Seal Beach plus links to articles dealing with the real estate market. 

 

 

 

 

 

The data being provided is for informational purposes only.  Reasonable efforts have been made to produce accurate information which was collected from county sources.

 

 

 

 

 

 

 

 

Trustee Sales Report: Naples (Long Beach, CA 90803)  for August 16^th - 20^th, 2010

The properties listed below are scheduled to be sold at Trustee Sale on the stated date, time and location.  Please note that there are occasions where the Trustee Sale is postponed or cancelled.

 

5581 E. Vesuvian Walk

• Single family home: 3 bedrooms / 1 bathroom / 1,008 sqft / 2,400 sqft lot
• Date: August 16, 2010
• Time: 1 PM
• Location: 350 W. MISSION BLVD.  POMONA, CA
• Published bid: $675,726

 

5565 Riviera Walk

• Single family home: 4 bedrooms / 3 bathrooms / 1,748 sqft / 3,200 sqft lot
• Date: August 19, 2010
• Time: 1 PM
• Location: 350 W. MISSION BLVD.  POMONA, CA
• Published bid: $971,473

 

93 Corinthian Walk

• Single family home: 2 bedrooms / 2 bathrooms / 2,103 sqft / 2,240 sqft lot
• Date: August 20, 2010
• Time: 10:30 AM
• Location: 350 W. MISSION BLVD.  POMONA, CA
• Published bid: $630,272

 

In the event the home is taken back by the bank, I will blog this so please come back 24-48 hours after the stated sale date for an update.

Should you be interested in being posted when bank owned homes hit the market as active listings, I have a daily and/or weekly list that goes out.  This list is sent directly to your email and you will not receive any other correspondences from me unless you ask.

If interested email me at: GGasparRE@Yahoo.com and request to receive the "Active Listing Foreclosure List" and I will place you on the list.  Should you have any other questions please feel free to call or text me directly at (714) 612-0995.

You can also follow me on Twitter for daily updates on newly acquired bank owned properties with in the cities of Long Beach, Rossmoor, Los Alamitos, Cypress and Seal Beach plus links to articles dealing with the real estate market. 

 

 

 

 

The data being provided is for informational purposes only.  Reasonable efforts have been made to produce accurate information which was collected from county sources.

 

 

 

Trustee Sales Report: Naples (Long Beach, CA 90803)

For August 9^th - 13^th, 2010

The property listed below is scheduled to be sold at Trustee Sale on the stated date, time and location. Please note that there are occasions where the Trustee Sale is postponed or cancelled.

133 Rivo Alto Canal

• Single family home: 3 bedrooms / 3 bathrooms / 3,481 sqft / 3,840 sqft lot
• Date: August 10, 2010
• Time: 10:30 AM
• Location: 12720 NORWALK BLVD. NORWALK, CA
• Published bid: $1,981,976

In the event the home is taken back by the bank, I will blog this so please come back 24-48 hours after the stated sale date for an update.

Should you be interested in being posted when bank owned homes hit the market as active listings, I have a daily and/or weekly list that goes out. This list is sent directly to your email and you will not receive any other correspondences from me unless you ask.

If interested email me at: GGasparRE@Yahoo.com and request to receive the "Active Listing Foreclosure List" and I will place you on the list. Should you have any other questions please feel free to call or text me directly at (714) 612-0995.

You can also follow me on Twitter for daily updates on newly acquired bank owned properties with in the cities of Long Beach, Rossmoor, Los Alamitos, Cypress and Seal Beach plus links to articles dealing with the real estate market.

The data being provided is for informational purposes only. Reasonable efforts have been made to produce accurate information which was collected from county sources.

Trustee Sales Report: Naples (Long Beach, CA 90803)  for August 3^rd- 6^th, 2010

 

The property listed below is scheduled to be sold at Trustee Sale on the stated date, time and location.  Please note that there are occasions where the Trustee Sale is postponed or cancelled.

 

5580 E. Saint Irmo Walk

Single family home: 3 bedrooms / 3 bathrooms / 2,187 sqft / 2,400 lot

Date: August 6, 2010

Time: 1 PM

Location: 350 W MISSION BLVD.  POMONA, CA

Published bid: $700,649

 

In the event the home is taken back by the bank, I will blog this so please come back 24-48 hours after the stated sale date for an update.

Should you be interested in being posted when bank owned homes hit the market as active listings, I have a daily and/or weekly list that goes out.  This list is sent directly to your email and you will not receive any other correspondences from me unless you ask.

If interested email me at: GGasparRE@Yahoo.com and request to receive the "Active Listing Foreclosure List" and I will place you on the list.  Should you have any other questions please feel free to call or text me directly at (714) 612-0995.

You can also follow me on Twitter for daily updates on newly acquired bank owned properties with in the cities of Long Beach, Rossmoor, Los Alamitos, Cypress and Seal Beach plus links to articles dealing with the real estate market. 

 

 

 

 

The data being provided is for informational purposes only.  Reasonable efforts have been made to produce accurate information which was collected from county sources.