BUYERS

An integrated approach for unmatched results

Finding a future home is more than just a monetary investment. It's about finding a lifestyle that complements your personality, goals, and desires. When you move into a new home, you're also moving into a new community and neighborhood. However, it's equally important to understand the financial implications of being a homeowner, as well as the additional responsibilities that come with it. While emotions play a significant role in the decision-making process, it's crucial to consider the long-term financial impact to avoid future stress and disappointment.

We are not only helping you find the right home! We make sure that it is a solid investment.

Throughout your life, you'll likely upgrade your home multiple times. Therefore, it's imperative that each home purchase is also a solid investment. By building equity, you can secure your future purchases or even use it for retirement. As a licensed Certified Public Accountant specializing in real estate taxation, a Real Estate and Mortgage Broker, we take our expertise to another level. We provide you with valuable insights into the tax implications of owning real estate and how to use tax strategies to your benefit. Tax benefits, used correctly, can reduce your actual mortgage payments and therefore the payment burden. We can break down the numbers by using tax break projections for your specific tax context, allowing you to understand the reduced cost of homeownership, net of tax. We will also advise on the best exit strategies so you can prepare years ahead and minimize the tax consequences. With our investor like mindset and expertise we will provide you with investment specific input should you be interested in turning your purchase in a rental.

Getting the right financing guidance!

Before you start making offers, it's essential to get pre-approved for a loan. With our two decades of mortgage expertise, we will guide you through the process, discuss the most recent interest rates environment and financing options, and ensure you are fully prepared to write competitive offers. We consider your financing options with a tax planning and investment mindset, ensuring that we present the best fit for your overall context.

An integrated strategy produces the best results.

We use an integrated strategy that combines real estate, mortgage finance, tax planning, and investment analysis. We strongly believe that this approach will help you make the right buying decision and maximize your profit when you decide to sell. Solid knowledge from all three fields is required to understand how one affects another and generate the optimal result. Our expertise in all three fields allows us to offer a level of service that traditional agents simply cannot match.

Some of the steps we follow to ensure your experience is perfect are:

We'll begin by diving into your objectives and requirements, including property type, location, budget, timeline, and any other specific factors that hold significance for you. During this consultation, we'll introduce our distinctive, all-encompassing approach, which seamlessly integrates tax planning, investment analysis, mortgage approval, and expert insights in real estate. This holistic strategy will empower you to fully comprehend the remarkable advantages it offers in contrast to the conventional buyer's agent approach.
We firmly hold the belief that any significant investment decision, particularly in real estate, should commence with a comprehensive examination of the potential tax implications. These tax considerations can either prove advantageous or lead to significant adverse consequences, not just in the short term but also throughout the entire duration of ownership and even when it comes time to sell. As part of our advisory service, we specialize in conducting in-depth discussions about the tax aspects and providing tailored planning solutions to ensure you make informed and tax-efficient investment choices.
Other Realtors will connect you with “their trusted partners”. We are your trusted partner! We will go in depth about available mortgage options and the current interest rates environment. At this stage we will gather all relevant documents so we can get you fully pre-approved and ready to make offers. Our tax expertise gives us the ability to show you the potential tax benefit of using financing so you can understand the true cost of your mortgage, which is what is ultimately relevant. The actual cost of your mortgage can be significantly lower than the actual payment and so the effective interest rate.
Finding homes might seem straightforward, but identifying the right opportunity is the real challenge. That's where we step in. We're here to provide you with a curated shopping experience, offering recommendations tailored to meet or exceed your expectations. Our approach is intelligent and targeted, keeping you informed when properties that match your criteria become available or drop in price. Throughout the process, we'll share valuable insights on effective home searching and how to leverage public websites to discover exceptional properties that align with your needs. In addition to online searches, we'll also proactively reach out to local listing agents to explore off-market properties that may not yet be publicly visible. These hidden gems can be a game-changer in your search for the perfect home.
Once you've found a home you like, we'll schedule a meeting to plan your home buying strategy. We believe that every home purchase should be a smart investment, leading to higher profits when you decide to sell. This can help you fund future home improvements or simply build wealth. We'll provide you with up-to-date data to support the home's valuation, talk about the current local market conditions, and point out any potential issues so you can make a well-informed decision. We'll also discuss the investment side of your purchase. We understand that plans can change, and you might consider renting out your home later. We'll cover things like market rent, appreciation data, and potential tax considerations.
It might take a few attempts, but don't give up. We're eager to see you start the process to secure the property you adore, but it's essential to negotiate the right contract terms. There might be times when it's better to let go of a property and find another rather than agreeing to terms that could cause problems. We're here to guide you honestly and reliably, ensuring you not only get your dream home and a sound investment but also steer clear of any potential troubles.
After you open escrow, there's a bit more room for negotiation before you finalize everything. We'll do our homework, get the property appraised, have it inspected, and go over the lender's terms. You'll be wrapping up your loan details, reviewing documents, and discussing the inspection results. If the property passes all the inspections, we can proceed quickly. But if it doesn't, we can bring in specialists to estimate the cost of fixing any problems we find. We'll then work on addressing these issues, either negotiating for credits at closing, asking for a price cut, or making sure the seller fixes the problems before we close the deal.
Once you've finished all your checks and removed any conditions, we'll ensure the seller has made the agreed-upon repairs or provided the credits, and we'll prepare to close the deal. The home is effectively held for you until closing.
This is the moment we've all been waiting for! You've successfully completed the escrow process and now officially own your new home. We'll take care of everything needed to hand over the keys and ensure you're all set. If you ever have any questions or concerns, don't hesitate to get in touch. We're your partners, and we're here to assist you every step of the way.

Congratulation! You are a new homeowner.
Since we're well-versed in your tax situation, mortgage, and real estate transaction, we're here and ready to address any questions you might have after the closing. You won't need to contact your tax advisor, mortgage broker, or real estate agent individually. We've got you covered, and we'll take care of everything!