Buyer's Broker - Monterey County and Santa Cruz County

Homes & Real Estate in the Monterey, California Area

The Difference Between An Ordinary Agent And An
Agent 100% Committed To Assisting Buyers

Seller's Agent Exclusive Buyer's Agent
Can show you all the homes in the MLS (Multiple Listing Service). Will show you all the homes in the MLS, For Sale By Owner properties, foreclosures, even properties that are not on the market!
Can tell you the price the seller's are asking for homes but cannot suggest an offering price. Will calculate the fair market value of the home for you, and assist you in developing an offering price by using comparable sales data.
Can provide "raw" information on comparable homes that have sold in the area. Not allowed to interpret that data for you. Will provide and interpret information on comparable homes that have sold in the area and help you formulate an offering price and negotiating strategy.
Can convey your offer to the seller or their agent and convey their response back to you. Will negotiate on your behalf through the entire home buying process offering advice and information every step of the way!
Can provide you with a "list" of title companies, home inspectors, and other professionals for you to choose from but cannot recommend any particular company or professional. Will recommend title companies, inspectors, and other professional services you will need!
May tell you some general information about the seller. Can tell you everything they can find out about the seller and their motivation for selling!
Must tell the seller everything they know about you, your financial status, and your motivation for buying. Will keep any information about you confidential if it would weaken your negotiating position!
"Thinks" in Seller's terms (i.e.: Get the highest price possible for the home) "Thinks" in Buyer's terms (i.e.: Get the lowest possible price and best terms for the Buyer, not the Seller).
Shouldn't you be using an Exclusive Buyer's Agent?

Homes and real estate in:

MONTEREY COUNTY: Alisal, Aromas, Big Sur, Bradley, Carmel, Carmel by the Sea, Carmel Highlands, Carmel Valley, Carmel Valley Village, Castroville, Chualar, Del Monte Park, Del Rey Oaks, Fort Hunter Liggett, Gonzales, Gorda, Greenfield, Jolon, King Citty, Lockwood, Lucia, Marina, Monterey, Monterey County, Moss Landing, Pacific Grove, Pacific Valley, Pebble Beach, Point Sur, Presidio of Monterey, Prunedale, Robles del Rio, Salinas, San Ardo, San Lucas, Sand City, Seaside, Soledad, Spreckels, Tassajara Hot Springs

SANTA CRUZ COUNTY: Aptos, Ben Lomond, Big Basin, Bonny Doon, Boulder Creek, Brookdale, Capitola, Corralitos, Davenport, Felton, Freedom, La Selva Beach, Las Lomas, Lompico, Los Gatos, Mount Hermon, Pajaro, Paradise Park, Rio del Mar, Royal Oaks, Santa Cruz, Santa Cruz County, Santa Cruz County, Scotts Valley, Seacliff, Seascape, Soquel, Watsonville

SAN BENITO COUNTY: Hollister, New Idria, Paicines, Panoche, Pinnacles, San Benito, San Benito County, San Juan Bautista, Tres Pinos

SANTA CLARA COUNTY: Blossom Valley, Campbell, Coyote, Gilroy, Los Altos, Los Altos Hills, Los Gatos, Monte Sereno, Morgan Hill, New Almaden, San Jose, San Martin, Santa Clara, Saratoga.

Jim Rygiol, EBA, Agent
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Tips For Home Buyers

How Much Home Should You Buy?

You may have heard a real estate Agent or someone else say, "Always buy the biggest home you can afford. It is a good investment and the larger the investment the larger the return on investment will be".

But is that good advice for you? Maybe, maybe not.

When deciding to buy a home the first thing you need to do is get a loan. Yes, get the loan before you shop for homes. The lender will give you a letter stating how the maximum amount they will lend you given your income, debts, and the amount of cash available for down payment and closing costs.

Now that you know the maximum amount you can borrow and what the monthly payment will be on that amount, ask yourself some questions about your "comfort level". We all have a different comfort level when it comes to debt.

Some things that affect each individuals comfort level are:

Do I worry a little or a lot about money I owe?

Am I comfortable that my job is secure and my income will be stable for the next few years?

Do I reasonably expect to have a considerably larger income in the near future?

Am I willing to change my lifestyle (travel less, eat out less often, keep our car for a few more years) in order to make a house payment?

Think about all of that and then decide what payment you are comfortable with. If it is the maximum amount the lender has stated, fine. But if it is less than that amount, then buy less home.

The new home should be a place of comfort, not a place to sit in and worry about how you are going to pay for it!

Besides, you can always "move up" later if you situation or comfort level changes.

Jim Rygiol   DRE#   CalBRE#   00577801
Send an Email to Jim Rygiol

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