closing costs: Educating a first time buyer is time-consuming, but they're worth it - 09/27/09 06:30 AM
A San Francisco agent referred a couple to me who are first time buyers looking to buy their first home in the east bay. Yesterday, I invited them to come into the office to discuss their wants and needs and their resources. I gave them a Home Buyer Guide that could be their "bible" as they traverse the way to home ownership.
 
Wish List: Naturally, they are looking for a 3 bedroom/2 bath home with a garage and a yard. And they'd like to buy in Alameda, east of San Francisco.
 
Financials:   They've saved $4,000. They are pre-approved for $310,000. They want … (6 comments)

closing costs: Paint by numbers ---- illustrate buying scenarios on my iPhone - 08/26/09 04:57 AM
Showing a buyer the "what ifs" when thinking of how much to offer, etc. has never been easier once I got the hang of using Fidelity Agent software to do the estimates.
Yesterday, I was showing my client a house....and he was wondering what his options are in terms of down payment, what his monthly payments would be, how much he can offer.
I whipped out my iphone to show him some scenarios. I followed up by sending him emails of some estimates, using Fidelity Agent software which cost me $27 to upload on my computer AND on my iphone.
Yes, … (4 comments)

closing costs: When educating a first time buyer becomes a challenge - 03/15/09 06:59 AM
Here is a woman burning with desire to buy a house. For years, she worked towards saving money, cleaning up her credit rating, all the while pining for a house.
Because of the language barrier, she has to rely on both her son and her daughter to help her in the process. So they go to the bank. She gets preapproved. She's ready.
Step by step
The first time that we met, I walked them through the process. I even gave them a Home Buyer's Guide and asked that they read it so that they know what to expect. I asked them to … (5 comments)

closing costs: Fidelity Agent: A WOW tool for quick answers for real estate calculations --- for your computer and your PDA! - 09/10/08 05:49 PM
Fidelity Agent. Ever hear of it?
We didn't either, until our Fidelity Title rep introduced us to it today. We were asked if we were ever baffled by math questions,  Questions such as:
I don't want to go over $3000/month in mortgage payments. How much house can I afford to buy? How much are our closing costs going to be? How much will we net if we sell our house at a certain price? How much will our monthly payments be at 5% down? 10%? 15%? 20%? How much will our monthly payments be at 6% interest for 30 years? At … (12 comments)

 
Pacita Dimacali, Alameda/Contra Costa Counties CA (Alain Pinel)

Pacita Dimacali

Alameda/Contra Costa Counties CA

Oakland, CA

More about me…

Alain Pinel

Address: 6211 La Salle Ave, Oakland, CA, 94611

Mobile: (510) 205-2992

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