We take the buying process as seriously as our buyers do, therefore we offer nothing but the highest quality of service to our clients. When you decide to purchase your home, make sure you hire someone whom you can trust and someone who wants to earn your business. Buying your home is one of the most important purchases you will make, so make sure you have the right agent who can provide you with the experience and the service you deserve.

Here are some of the steps I will take to find your perfect home:

Determine Your Wants and Needs
This is the single most important step. By asking you a series of questions I will establish what you are looking for. My goal is to not waste your time by looking at properties that are not in your price range or homes that don't meet you needs. Throughout the buying process I will maintain your confidentiality and represent your best interests.

Help You Get Pre-Qualified
This step will show you how much you can afford.  This is accomplished by speaking with your financial institution, or speaking with us as we can handle your mortgage needs as well, and establishing what monthly payments you will be comfortable with.

Home Shopping
We will use every available method to locate a property that matches your search parameters.  This will include properties listed with our office, offered through other real estate companies, as well as unlisted properties.  We will disclose all known facts about the property that are likely to affect your decision. When we find the home that meets your criteria, I will assist you in writing an offer and act as a liaison between you and the seller.

BELLISSINIA INTERIOR DESIGN

BY  SHERRY

408-778-2605

1ST. TIME HOME BUYERS PROGRAMS

Each program has its own requirements, not all of which are listed here. The definition of “first time” home buyer can vary from program to program. Many of these programs can be used simultaneously.

THE HOUSING TRUST OF SANTA CLARA COUNTY has several programs available. Go to: www.housingtrustscc.org It offers a loan program of as much as $6,500 to cover closing costs or a down payment for low-income buyers. The SuperFlex program provides a first and second mortgage together. The deferred-payment, reduced-rate second lowers the amount of mortgage insurance and provides funds toward the down payment or closing costs. Find more info at: http://www.mccprogram.com  or call 408-299-5142.

NEIGHBORHOOD HOUSING SERVICES OF SILICON VALLEY offers no-interest second mortgages, mostly in San Jose, that require no payments in the first five years. For more info go to: www.nhssv.org or call 408-279-2600.

MORTGAGE CREDIT CERTIFICATE PROGRAM provides a credit on Federal Income Tax for low-income buyers. Go to: www.mccprogram.com or call 408-299-5160.

TEACHER HOME BUYER PROGRAM for full time teachers in San Jose schools offers no-interest, no-payment loans up to $40,000 Go to: http://www.sjhousing.org or call 408-277-8486.

FANNIE MAE AND FREDDIE MAC set guidelines for many large lenders. Buyers should ask lenders what kinds of Fannie or Freddie sponsored programs they offer. More info at and www.homebuyingguide.org/ or www.freddiemac.com.

Many cities, such as San Jose, San Francisco and San Mateo have first time home buyer programs. Contact Diana Harper at: E*Mail:yourharper@aol.com, or call us at: 408-363-3743, cell: 408-315-6918