prepared for mr. & mrs. buyer · excellence in buyer services buying a home is a significant...

Cloud CMA

BUYER TOUR

PREPARED FOR

Mr. & Mrs. BuyerNOVEMBER 4, 2014

Christine Dwiggins | NextHome | 4309 Hacienda Drive #110 | Mobile: 415-595-8787 | [email protected] |www.NextHome.com | BRE number: 01365648

http://www.mapquest.com/?q=4309+Hacienda+Drive+%23110

mailto:[email protected]

http://www.NextHome.com

EACH OFFICE IS INDEPENDENTLY OWNED AND OPERATED.

Home Buyers’ Preferences

Current Information:

Home Buyer Names: _________________________________________________________

Address: _________________________________________________________________

________________________________________________________________________

Phone 1: ___________________________ Phone 2: ______________________________

E-mail address: ____________________________________________________________

Second E-mail address: _______________________________________________________

Approximate Value: ___________________ Estimated Equity: ________________________

Down Payment Available: _______________ Status or Need To Sell: ____________________

Desired Home Characteristics:

Location: _________________________________________________________________

________________________________________________________________________

New, Remodeled or Project Preference: _____________________________________________

Preferred Style(s) ____________________ Square Feet: ____________________________

Price Range: _______________________ Lot Size: _______________________________

Bedrooms: _________ Features: _______________________________________________

Bathrooms: ________ Features: _______________________________________________

Other Preferences: ___________________________________________________________

________________________________________________________________________

________________________________________________________________________

Family Information:

Children Names, Ages: _______________________________________________________

________________________________________________________________________

Employer: _________________________ Phone: ________________________________

Address: __________________________ Commute Time: _________________________

Employer: _________________________ Phone: _______________________________

Address: __________________________ Commute Time: _________________________


The Home Buying Process

Buying a home is a step toward an American Dream, financial security and building equity. It is typically an individual or family’s most significant investment making the process both exciting and overwhelming, especially for first time homebuyers. Understanding the process and having the right agent to assist you can make home buying enjoyable and rewarding.

We are dedicated to ensuring you are well informed of the current market dynamics, the steps and commitments you will be making, as well as guiding you through the local and legal requirements to property ownership.

Transparency is essential to us. We will be working together as a team to help you purchase a new home. Understanding your needs is paramount to knowing how we can best

guide you through the process. We will work with you on the right strategy, taking into account what you need as well as sharing with you what must be done. We will provide you with local, accurate and current information so you can make informed decisions every step of the way. We will look out for your risks, negotiate on your behalf and focus on our fiduciary responsibility to you, our client.

There are many requirements in the home buying process on local, statewide and federal levels. It will take time and communication to consider the important factors in deciding which home to buy, including desired locations, proximity to work, schools and transportation, neighborhood characteristics, community requirements, financing options and price ranges.

Our experienced, local knowledge will compliment your online and neighborhood searching, providing clarification on the pertinent information regarding the home you want to buy.


The Purchase ProcessYour Steps To A New Home

Select an Agent √ Review recommendations and local agents √ Interview and select your agent √ Review and sign any upfront paperwork√ Get references for mortgage brokers√ Begin review of financing options

Prequalification √ Run a free credit report yourself√ Interview mortgage brokers √ Figure out how much you can afford √ Determine which loan package is right for you √ Select a mortgage broker √ Fill out application and provide documentation√ Get pre-approval letter confirming loan details

Home Search√ Identify home needs and wants with your agent√ Review optional areas based on needs and price range√ Set plan with your agent for new listing updates√ Preview homes and explore neighborhoods √ See lots of homes and refine the best options

Purchase Offer √ Identify a home you want to purchase √ Discuss offer options, strategy and competition with

your agent√ Determine offer details (price, financing, inspections,

closing, etc.) √ Agent to write and submit the offer and review response

with you√ Negotiations until an accepted offer

Open Escrow √ Receive a copy of the ratified contract√ Agent to open an escrow account √ Deposit earnest monies √ Review timeline and milestones in the offer √ Initiate next steps in financing process √ Take steps to meet all contractual obligations

Inspections √ Agent to schedule all inspections √ Meet the inspectors at the property for inspections √ Review seller disclosures, inspection reports and

agent visual inspection√ Make requests and schedule any follow up

inspections with your agent√ Determine next steps with your agent

Secure Financing √ Agent to provide mortgage broker with ratified contract √ Buyer to provide additional requested documentation√ Appraisal ordered and performed √ Review appraisal results √ Provide any follow up requests from the lender until

final sign off √ Receive final approval letter √ Determine next steps with your agent

Final Processes √ Continue to review all required contractual and

legal obligations √ Review timeline and contingencies (conditions) of

the contract√ Continued negotiations if applicable √ Secure a Homeowner’s Insurance Policy√ Sign all final paperwork √ Sign loan and required documents through the

title company √ Deposit remaining funds for down payment and

closing costs

Close Escrow √ Receive closing confirmation √ Get Keys√ Move In!


Selecting Your Team Important Considerations

Real estate agents and real estate companies are unique. Each possesses different skill sets, educational backgrounds, experience levels, marketing and advertising resources, and service commitments. Here is a guide to important considerations when selecting your agent. We will address all of these items regarding our team, but you should also consider asking these questions of any agent being interviewed in the process.

• Is your agent knowledgeable about the local market?

• Does your agent know current market factors and trends?

• Is your agent a REALTOR®? Not every licensed agent is a REALTOR®. REALTORS® are members of the National Association of REALTORS®, as well as their state and local associations. A REALTOR® has committed to the highest levels of ethics in the industry and will be well informed through the resources, and education, provided by the associations.

• Does your agent have access to the multiple listing service, where new listings are added from all agents in the community?

• Can your agent provide client references and testimonials from past clients?

• Are they a member of a reputable company with experience in the market, resources for training, marketing and transaction tools?

• Is your agent focused on serving you with communication and a style that works for you?

• Can you trust and rely upon your agent to represent you, negotiate for you and focus on your needs?


Our Service Principles Excellence in Buyer Services

Buying a home is a significant purchase. You deserve a representative that is honest, trustworthy and dedicated to looking out for your priorities and goals. As your agent, we are not only focused on helping you achieve your goals but also providing you with the best experience in getting there.

Our customized home buying services utilize products to provide you with a seamless, mobile and thoughtful experience. While we can’t eliminate all stress or concerns in buying a home, we can ensure you will be informed and confident in the decisions you are making. Our team will coordinate, manage and execute all the steps along the way, in a style and time frame that works best for you.

We want to share our passion and love of real estate with you. It’s our career, our inspiration.

We are dedicated to:

• Focused time and attention

• Providing market knowledge and local insights

• Proactive and responsive communication

• Representation of your interests

• Working within your timeline and schedule

• Integrity, honesty and teamwork

• Having fun together


Is It The Right Time To Buy?

Deciding when to buy a home is a personal, financial and emotional decision. Exploring the idea, stages and requirements involved in home buying is a good first step to making the right decision.

Renting versus buying: Don’t just focus on the monthly payment. It is important for your mortgage or rent payment to be manageable, but take into consideration the mortgage interest deduction, or the emotional comfort of having your own home.

Future plans: Where will you be in the near and distant future? There are options of what to do with your property in the short or long term, like living in it, renting it or selling it. These options will depend on future market values and if you are planning to expand your family, or eventually move. You should take into account the amount of time you are planning to own the home.

Building wealth and investing in your future: While there are no guarantees or crystal balls on the future values of real estate, you will build equity in your home over the long run by paying down your mortgage or realizing an increase in value when you sell. When you invest in your own property, you benefit from protecting income and are investing back into your own pocket.

The comfort of a home: Owning a home isn’t just about the investment or equity. It is a place to create a comfortable environment, a place for family and friends, and a place to create memories. The emotional benefits of a home are priceless.

Current interest rates and home prices: Trying to perfectly time the market is nearly impossible. Historical information and current market trends are interesting, but the market is cyclical and the value of owning a home isn’t just in the equity you build, but also in the memories you build.

Your financial status: Are you ready for the financial responsibility of owning a home? You should consider all costs involved…down payment requirements, mortgage payment, homeowners insurance, property taxes, association dues, etc. Properties need tender loving care so the amount, and cost, of “fix it” items will vary depending on the condition of the home you buy.


Financing Your Home

Obtaining financing to purchase a home includes a number of important factors. Lenders, banks and other sources for loans take into consideration a combination of items when determining whether or not to loan you money. They look at factors in your profile like:

• Current income

• Length of time at your current job

• Debt-to-income ratio

• Past rent or mortgage payment history

• Your credit report

• Tax returns

• Down payment amount

• Months of reserve money

Once you have identified a property for purchase, and have an accepted offer, the lender will begin processing your loan. They will take into account other factors impacting an approval including items such as:

• The preliminary title report

• Any homeowners association dues

• Financial stability of a homeowners association (HOA or planned community)

• An appraisal report

• Homeowner insurance payments

• Property taxes

The combination of your financial profile (income, debt, credit, etc.) and the property (condition, value, etc.) gives the lender a complete picture of the risks and benefits of providing you with the loan. Once all these items are reviewed and approved through the escrow process you will be in the home stretch for closing on your new home.

Your income level, debt and credit information will be used to pre-qualify you for an amount the lender thinks you can afford. However, a pre-qualification is different than a pre-approval. A pre-approval takes into account your credit report, the debt-to-income ratio and a more in-depth analysis of your financial situation. Once pre-approved, you will receive a pre-approval letter that can be provided to a seller with an offer.

Often the pre-approval process comes after homebuyers begin looking at homes, but a pre-approval can provide a more definitive price range for your search and is best completed as a first step, or as early in the home buying process as possible.

There are benefits to obtaining a mortgage on your home. These benefits can help you decide if it is the right time for you to buy, and provide other values such as the mortgage interest deduction to offset income against your taxes or making mortgage payments as an investment into building your wealth.


The Home SearchFinding the Right Home For You

The home search process is one of the many steps involved in purchasing the right home. 90% of homebuyers begin their search online and there are endless resources to help in that process including local homes for sale, neighborhood information, school information, etc.

The search process may seem daunting at times. The wide variety of resources providing different information or listed homes make it challenging to decipher what is current and true. As your agent we will work together to provide clarity and context for all the information you find online. Many sites have many homes for sale and provide an array of photos, descriptions, and more. Unfortunately many of these sites are not current and a listing may be out of date, have incorrect information or mix inaccurate sources. As your

agent we will help provide you with the nuances to look out for on the various home searching sites and research properties you find, as well as properties we suggest for your consideration.

Together we will identify possible homes, tour properties and research the neighborhoods until you find the right place for you! Once we do, the crucial next steps of making an offer, negotiating terms and executing on contract commitments will follow.

*2013 National Association of Realtors Profile of Homebuyers and Sellers

HomebuyersSource

4%

90%

87%

53%

45%

27%

18%

17%

5%

5%

Home book or magazine

Internet

Real estate agent

Print newspaper advertisement

Television

Home builder

Open house

Yard sign

Billboard

Relocation company

Information Sources Used in Home Search*

HomebuyersSource

19%

82%

78%

47%

38%

34%

30%

26%

21%

19%

Relocation company

Internet

Real estate agent

Yard sign

Home book or magazine

Billboard

Open house

Home builder

Print newspaper advertisement

Television

Usefulness of Information Sources*


NextHome Mobile ConnectInstant Property Information, Anytime, Anywhere

A lot of home shopping happens online when you can peruse listings, neighborhoods and information. But we know that you still like to load up the car and drive around looking at homes and communities in person. Your self-guided tours happen at any time of day, any day of the week. Wouldn’t it be great if you could put the information of every property for sale right there in the car with you, instantaneously?

NextHome’s Mobile Connect. Just another

way we bridge the online and offline

homebuyer experience.

NextHome’s Mobile Connect does just that. You can easily narrow down which properties in an area have the potential to be your dream home. Save time, money and gas.

Mobile Connect: Real Time. Real Information.

Real Buyer services for a better home

shopping experience. From NextHome.

Anytime you see a home of interest, pull out your mobile device. You can text into our system and we’ll immediately send back details and photos about that listing and any other listing. It doesn’t matter who the listing agent is, if it is still an active listing you can get the information right there on your mobile device.

How? All you have to do is provide us with your preferred mobile number(s) and we will set you up in the system. It’s free and easy!


Purchasing a Short Sale

A home is sold as a short sale when the purchase price and selling costs cannot cover the amount of debt or mortgage owed on the home. Essentially the sale is “short” of the money needed.

In a short sale, the owner and seller of the home is still involved. They will be making decisions relative to the contract and sales terms but are not the only decision makers in the process. If the home is selling “short,” the lender or bank that holds the note must agree to take the loss.

Since the lender or bank needs to agree to the sale they often attach their own terms to the purchase, which vary from bank to bank. The involvement of multiple parties approving all steps along the way can cause a short sale to take more time than a regular transaction.

The timing of a short sale can create risks and challenges in the purchase. Some short sales take a month, some take a year. It depends on how many lenders have to agree to the sale, as in the case where the seller has more than one loan on the house, and the timing of responses from the short sale managers. While you can often get a good deal on the home, especially if you can hang in there for a long escrow, you may have to pay for extensions of an interest rate lock, or have flexibility for when you can move.


Purchasing an REO or Bank Owned Property

Buying an REO or bank owned property differs from a short sale because the original homeowner no longer owns the home. The bank has completed all legal collections and processes to foreclose on the previous owner and has acquired ownership. It also means the home was not sold in a public auction and is being sold on the open market.

If you decide to buy a bank owned property be diligent and thorough!

When you are purchasing an REO you will be dealing with the bank or an asset manager facilitating the sale. They do not have the same emotions a homeowner would have about the property and are often focused on the numbers. The purchase steps and action items will primarily be like a regular resale, but there are important factors to keep in mind.

A bank owned property does not provide you with historical information on the home. You won’t get insights or disclosures by a previous homeowner

who has lived in the property. Often the homes have had more damage, or need more tender loving care. While you should be diligent with buyer inspections for any property purchase, you should take extra caution with an REO and consider all repairs or upgrade costs.

Bank owned properties are typically sold “as is.” You won’t have guarantees or warranties above what is required by law. REO sellers are less inclined to fix items or spend any money on the property other than what is absolutely necessary.

LISTINGSCloud CMA

MAP OF ALL LISTINGS

MLS # Status Address Price

1 426064 A 403 Main St, Unit 320N, San Francisco $998,000

2 425879 A 260 King St, Unit 727, San Francisco $899,000

3 426280 A 38 Bryant St, Unit 904, San Francisco $849,000

Status: A = Active





MLS#426064

Cloud CMA

PROPERTY DETAILS

$998,000403 Main St, Unit 320N, San Francisco

Courtesy of Climb Real EstateLISTING INFORMATION

MLS#: 426064 Beds: 2 Sq Ft: 1,083 List Date: 9/26/14

Status: Active Baths: 2.00 Year Built: 1997 DOM: 7

FEATURES

Lotsize: 0;

REMARKS

Beautiful condo with bridge and water views in popular South Beach neighborhood! Enjoy the iconicbridge light show by night and sailboats sailing the bay by day, right outside your living room window.The condo features an ideal split floor plan with two bedrooms, two bathrooms, and patio. Hardwoodfloor, designer carpet in both bedrooms. Washer/dryer in unit, Low HOA dues. 1 car parking. Walkingdistance to financial district, downtown, ferry bldg, Caltrain station, Giants stadium. Surrounded byworld renowned restaurants. Salesforce, Linkedin, Google, and other successful tech companies arenearby which makes this an ideal investment or a fabulous place called home.


http://rets3.wr-studios.com/photos/sfar/297102-1.jpg







MLS#426064

How do you rate this property?

Cloud CMA

BUYER COMMENTS


Courtesy of Climb Real EstateLISTING INFORMATION



Comments:









MLS#426064

Cloud CMA

LISTING PHOTOS






























MORTGAGECloud CMA

LOAN SCENARIOS


3% Down ($29,940) Rate Principal + Interest Tax Insurance Total

30 year fixed 3.9% $4,564 $424 $80 $5,068

15 year fixed 3.05% $6,706 $424 $80 $7,210

5/1 ARM 3.05% $4,011 $424 $80 $4,515


30 year fixed 3.9% $4,235 $424 $80 $4,739

15 year fixed 3.05% $6,222 $424 $80 $6,726

5/1 ARM 3.05% $3,721 $424 $80 $4,225


30 year fixed 3.9% $4,000 $424 $80 $4,504

15 year fixed 3.05% $5,877 $424 $80 $6,381

5/1 ARM 3.05% $3,515 $424 $80 $4,019


30 year fixed 3.9% $3,764 $424 $80 $4,268

15 year fixed 3.05% $5,531 $424 $80 $6,035

5/1 ARM 3.05% $3,308 $424 $80 $3,812

* Tax and insurance are being estimated based on the zip code of this property.


http://www.zillow.com/mortgage/





COMMUNITYCloud CMA

THE NEIGHBORHOOD


83 out of 100 - Very Walkable

Who Lives Here?

Non-native Newbies - Foreign-born individuals who just moved to U.S. A significant proportion of people whohave moved to the U.S. from Puerto Rico, the U.S. Island Areas, or a foreign country. Wide age range. Some havea high school or college education, and they work in a variety of occupations.

Foreign-born Urbanites - Foreign-born individuals who live in city. Born outside the U.S., they have moved tothe U.S. and live in the city. Wide age range. Some have a high school or college education, and they work in avariety of occupations.

Power Singles - High-income urban singles. Highly educated professionals, many with advanced degrees. Theydraw a handsome salary and have reasonable living expenses while living a hip, upscale life in an urban center.

Multi-lingual Urbanites - Urban dwellers who speak more than one language. Some have a high school orcollege education, and they work in a variety of occupations. Moderate to upper-scale earning potential.

Bright Lights, Big City - Very mobile singles living in the city. Singles ranging in age from early 20s to mid-40swho have moved to an urban setting. Most rent their apartment or condo. Some have a college education andwork in services and the professional sector.

See more San Francisco real estate information at Zillow.com.


http://maps.google.com/maps?q=403+Main+St%2C+Unit+320N%2C+San+Francisco%2C+CA+94105

http://www.walkscore.com/score/loc/lat=37.78801/lng=-122.389641/?utm_source=cloudcma.com&utm_medium=ws_api&utm_campaign=ws_api


http://www.zillow.com


http://www.zillow.com/local-info/CA-San-Francisco-people/r_20330/




COMMUNITY

Data provided by

Cloud CMA

AREA SCHOOLS


School Type Phone Distance

Impact Academy of Arts & Technology Charter/9-12 (510) 300-1560 0.8 mi

Chinese Education Center Public/K-5 (415) 291-7918 1.13 mi

Five Keys Charter (SF Sheriff's) High School Charter/10-12 (415) 734-3310 1.15 mi

John Yehall Chin (Elementary) ElementarySchool

Public/K-5 (415) 291-7946 1.19 mi

Ecole Notre Dame Des Victoires School Private/K-8 (415) 421-0069 1.21 mi

Gordon J. Lau Elementary School Public/K-5 (415) 291-7921 1.39 mi

San Francisco County Rop High School Voc/Tech/10-12 (415) 355-7711 1.41 mi

Bessie Carmichael Elementary School Public/K-8 (415) 355-6916 1.42 mi

San Francisco County Special Education School Sp-Ed/K-12 (415) 355-7656 1.43 mi

San Francisco Flex Academy Charter/9-12 1.47 mi

See more information on San Francisco schools from Education.com.©Education.com, Inc. 2010. Use is subject to Terms of Service.


http://schools.education.com/schoolfinder/us/california/san-francisco/impact-academy-of-arts-and-technology/

http://schools.education.com/schoolfinder/us/california/san-francisco/chinese-education-center/

http://schools.education.com/schoolfinder/us/california/san-francisco/five-keys-charter-sf-sheriffs/

http://schools.education.com/schoolfinder/us/california/san-francisco/john-yehall-chin-elem/


http://schools.education.com/schoolfinder/us/california/san-francisco/notre-dame-des-victoires-sch/

http://schools.education.com/schoolfinder/us/california/san-francisco/gordon-j-lau-elementary/

http://schools.education.com/schoolfinder/us/california/san-francisco/san-francisco-county-rop/

http://schools.education.com/schoolfinder/us/california/san-francisco/bessie-carmichael-elementary/

http://schools.education.com/schoolfinder/us/california/san-francisco/san-francisco-county-special-education/

http://schools.education.com/schoolfinder/us/california/san-francisco/san-francisco-flex-academy/

http://education.com


http://schools.education.com/schoolfinder/us/california/san-francisco/




COMMUNITYCloud CMA

AREA RESTAURANTS


Name Type Distance Rating

Garaje Burgers, Gastropubs 0.55 mi 525 reviews

Kokkari Estiatorio Greek, Mediterranean 0.83 mi 3058 reviews

Hopwater Distribution Pubs, American (Traditional) 1.19 mi 161 reviews

The House Asian Fusion 1.2 mi 3165 reviews

The Italian Homemade Company Italian, Delis 1.54 mi 44 reviews

Brenda's French Soul Food Cajun/Creole, French, Soul Food 1.64 mi 5516 reviews

Stones Throw American (New) 1.74 mi 311 reviews

City Smoke House Caterers, Barbeque 1.87 mi 52 reviews

The Codmother Fish and Chips British, Fish & Chips, Seafood 2.02 mi 1136 reviews

Gary Danko American (New) 2.09 mi 3985 reviews

Ike's Place Sandwiches 2.78 mi 6406 reviews

Wally's Cafe Mediterranean, Lebanese 6.68 mi 991 reviews


http://www.yelp.com/biz/garaje-san-francisco


http://www.yelp.com/biz/kokkari-estiatorio-san-francisco


http://www.yelp.com/biz/hopwater-distribution-san-francisco


http://www.yelp.com/biz/the-house-san-francisco


http://www.yelp.com/biz/the-italian-homemade-company-san-francisco-2


http://www.yelp.com/biz/brendas-french-soul-food-san-francisco


http://www.yelp.com/biz/stones-throw-san-francisco-2


http://www.yelp.com/biz/city-smoke-house-san-francisco-2


http://www.yelp.com/biz/the-codmother-fish-and-chips-san-francisco


http://www.yelp.com/biz/gary-danko-san-francisco


http://www.yelp.com/biz/ikes-place-san-francisco


http://www.yelp.com/biz/wallys-cafe-emeryville


http://www.yelp.com

http://www.yelp.com




MLS#425879

Cloud CMA

PROPERTY DETAILS

$899,000260 King St, Unit 727, San Francisco

Courtesy of Coldwell Banker Res. R.E. SvcsLISTING INFORMATION

MLS#: 425879 Beds: 2 Sq Ft: List Date: 9/23/14


FEATURES

Lotsize: 0;

REMARKS

Welcome to The Beacon. Light filled top floor 2 bed 2 bath condo. Awesome City views from everyroom. Flexible floor plan with dining/living room combo, hardwood floors, large expansive windows,and washer/dryer in unit. Open kitchen with SS appliances, granite counter tops, and moveablekitchen island for easy entertaining. The Beacon is a full service building with 24hr doorman, security,business center, clubhouse, lap pool, hot tubs, state of the art gym, and dog walk area. A+ location.Public transportation at every corner. Steps to Caltrain and easy access to highway 280 and 101.Safeway, Starbucks, Wells Fargo, and other shops and restaurants at your doorstep. Walk Score 92,Transit Score 100, Bike Score 91.









MLS#425879


Cloud CMA

BUYER COMMENTS


Courtesy of Coldwell Banker Res. R.E. SvcsLISTING INFORMATION

MLS#: 425879 Beds: 2 Sq Ft: List Date: 9/23/14


Comments:









MLS#425879

Cloud CMA

LISTING PHOTOS






























MORTGAGECloud CMA

LOAN SCENARIOS



30 year fixed 3.9% $4,112 $382 $80 $4,574

15 year fixed 3.05% $6,041 $382 $80 $6,503

5/1 ARM 3.05% $3,613 $382 $80 $4,075


30 year fixed 3.9% $3,815 $382 $80 $4,277

15 year fixed 3.05% $5,605 $382 $80 $6,067

5/1 ARM 3.05% $3,352 $382 $80 $3,814


30 year fixed 3.9% $3,603 $382 $80 $4,065

15 year fixed 3.05% $5,294 $382 $80 $5,756

5/1 ARM 3.05% $3,166 $382 $80 $3,628


30 year fixed 3.9% $3,391 $382 $80 $3,853

15 year fixed 3.05% $4,982 $382 $80 $5,444

5/1 ARM 3.05% $2,980 $382 $80 $3,442








COMMUNITYCloud CMA

THE NEIGHBORHOOD


93 out of 100 - Walker's Paradise

Who Lives Here?








http://maps.google.com/maps?q=260+King+St%2C+Unit+727%2C+San+Francisco%2C+CA+94107









COMMUNITY

Data provided by

Cloud CMA

AREA SCHOOLS






San Francisco Sheriff's Department Five KeysAdult

Charter/9-12 (415) 734-3310 0.89 mi

San Francisco Sheriff's Department Five KeysIndep

Charter/9-12 (415) 734-3310 0.89 mi



Live Oak School Private/K-8 (415) 861-8840 1.04 mi

Daniel Webster Elementary School Public/K-5 (415) 695-5787 1.2 mi

International Studies Academy at EnolaMaxwell

Alt./6-12 (415) 695-5866 1.23 mi






http://schools.education.com/schoolfinder/us/california/san-francisco/san-francisco-sheriffs-department-five-keys-adult/

http://schools.education.com/schoolfinder/us/california/san-francisco/san-francisco-sheriffs-department-five-keys-adult/

http://schools.education.com/schoolfinder/us/california/san-francisco/san-francisco-sheriffs-department-five-keys-indep/

http://schools.education.com/schoolfinder/us/california/san-francisco/san-francisco-sheriffs-department-five-keys-indep/



http://schools.education.com/schoolfinder/us/california/san-francisco/live-oak-school/

http://schools.education.com/schoolfinder/us/california/san-francisco/daniel-webster-elementary/

http://schools.education.com/schoolfinder/us/california/san-francisco/international-studies-academy-at-enola-maxwell/

http://schools.education.com/schoolfinder/us/california/san-francisco/international-studies-academy-at-enola-maxwell/







COMMUNITYCloud CMA

AREA RESTAURANTS




Chez Maman French, Burgers, Creperies 1.07 mi 1377 reviews










Jake's Place Specialty Food, American (New) 2.46 mi 42 reviews




http://www.yelp.com/biz/chez-maman-san-francisco

http://www.yelp.com/biz/chez-maman-san-francisco



















http://www.yelp.com/biz/jakes-place-san-francisco

http://www.yelp.com/biz/jakes-place-san-francisco

http://www.yelp.com

http://www.yelp.com




MLS#426280

Cloud CMA

PROPERTY DETAILS

$849,00038 Bryant St, Unit 904, San Francisco

Courtesy of Paragon Real Estate GroupLISTING INFORMATION



FEATURES

Lotsize: 0;

REMARKS

Welcome to your new home at The Portside! A waterfront setting and architecture honoring the City'smaritime heritage, The Portside features art deco touches that are reminiscent of a cruise ship. Set onthe top floor in the northwest corner, #904 amplifies this nautical theme with curved glass windowsand porthole openings in the living room and kitchen. A functional split floor plan places thebedrooms on either side of the living room. With its water-oriented location, The Portside enjoys freshair and wide open scenery. For convenience, Muni light rail is just outside the front door and there isquick access to the Bay Bridge and Southbound freeways. Amenities include onsite management,fitness room and swimming pool.









MLS#426280


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BUYER COMMENTS


Courtesy of Paragon Real Estate GroupLISTING INFORMATION



Comments:









MLS#426280

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LISTING PHOTOS






























MORTGAGECloud CMA

LOAN SCENARIOS



30 year fixed 3.9% $3,883 $361 $80 $4,324

15 year fixed 3.05% $5,705 $361 $80 $6,146

5/1 ARM 3.05% $3,412 $361 $80 $3,853


30 year fixed 3.9% $3,603 $361 $80 $4,044

15 year fixed 3.05% $5,293 $361 $80 $5,734

5/1 ARM 3.05% $3,166 $361 $80 $3,607


30 year fixed 3.9% $3,403 $361 $80 $3,844

15 year fixed 3.05% $4,999 $361 $80 $5,440

5/1 ARM 3.05% $2,990 $361 $80 $3,431


30 year fixed 3.9% $3,202 $361 $80 $3,643

15 year fixed 3.05% $4,705 $361 $80 $5,146

5/1 ARM 3.05% $2,814 $361 $80 $3,255








COMMUNITYCloud CMA

THE NEIGHBORHOOD


83 out of 100 - Very Walkable

Who Lives Here?








http://maps.google.com/maps?q=38+Bryant+St%2C+Unit+904%2C+San+Francisco%2C+CA+94105









COMMUNITY

Data provided by

Cloud CMA

AREA SCHOOLS





Chinese Education Center Public/K-5 (415) 291-7918 1.19 mi

John Yehall Chin (Elementary) ElementarySchool

Public/K-5 (415) 291-7946 1.25 mi

Ecole Notre Dame Des Victoires School Private/K-8 (415) 421-0069 1.27 mi




Gordon J. Lau Elementary School Public/K-5 (415) 291-7921 1.45 mi





http://schools.education.com/schoolfinder/us/california/san-francisco/chinese-education-center/



http://schools.education.com/schoolfinder/us/california/san-francisco/notre-dame-des-victoires-sch/




http://schools.education.com/schoolfinder/us/california/san-francisco/gordon-j-lau-elementary/







COMMUNITYCloud CMA

AREA RESTAURANTS









Stones Throw American (New) 1.79 mi 311 reviews





Wally's Cafe Mediterranean, Lebanese 6.67 mi 991 reviews


























http://www.yelp.com

http://www.yelp.com





Contract and Negotiations

It’s time to make an offer, so what happens next?

First, we will provide you with as much background, details and disclosures on the property as possible. Next, we will discuss a strategy for your offer considering your needs while making it as appealing as possible to the sellers. We will represent your interests when presenting your offer to the seller and their agent. We will highlight and discuss the details of your offer as well as address any questions they may have.

Follow up negotiations may be necessary during your offer consideration period. The seller could take a number of steps in response to your offer such as: accept it as is, reject it as is, counter specific changes to the offer, counter multiple offers with the same or different changes to each offer.

Each contract and offer is different. Deal points will take into consideration both parties financial position, diligence in investigation of the property, timing of the escrow and moving necessities. We will provide you with guidance, options, ideas and information along the way. We will also follow through in presenting and executing on your decisions as we represent your interests.

Once both parties are able to find common ground on deal points and the offer is fully accepted and executed, it will be time to open escrow!


From Escrow to Close

We have found you a home, successfully negotiated a contract and have an accepted offer. It is time to open escrow! An escrow and title account is opened with a third party company who facilitate the neutral management and disbursement of all monies exchanging hands. Typically escrow and title are handled by one company, but it can be handled by two different third party entities. In this process, the company will provide a title report for review, receipt of your initial deposit and assist with the final estimated closing costs, as well as signing of all the final closing paperwork.

Once you have started the escrow process there will be a number of action items with specific deadlines required by the various parties in the transaction. Each of these action items are determined by the specifics of your accepted contract and local regulations or laws. Some examples will be:

• Review of property disclosures

• Buyer inspections

• An appraisal

• City or county required inspections

We will manage the details throughout the escrow process, providing you guidance on what you need to complete and when. We will also coordinate with the multiple involved parties to ensure each are meeting the required actions and deadlines.

When every step is complete, and every condition is met, you will be able to sign your final paperwork, deposit remaining monies and close escrow to receive the keys to your new home!

INFOCloud CMA

GET A HOME INSPECTION

A home inspection is designed to give buyers a better understanding of the systems and overall conditionof the home they’re buying. Otherwise, you’d have to rely on your own knowledge and experience.

When you hire a home inspector, there are a few things you need to know.

No house is perfect.

A home inspection should point out questionable conditions and/or potential safety-related concerns inthe home you want to buy. A home inspection should cover:

• Exterior, porch and deck (contiguous)• Foundation and walls• Chimneys and roofs• Windows, doors and attics• Electrical components and plumbing• Central heating and air conditioning• Basement/crawlspaces and garage

You should attend the inspection.

Walk through the home with the inspector so he or she can point out conditions to you that will go intothe written report you will receive. Make your own notes so you can discuss the findings with your realestate agent.

A structural home inspection isn’t enough.

A structural inspection is what most buyers typically order, which may note such things as previoustermite damage, but that’s no guarantee there’s not a new infestation. Depending on your lender’srequirements and your own need to know, you may order several types of inspections – structural,termite, and environmental.

Home inspectors may have differing qualifications.

Make sure your home inspector is an expert, with a background in plumbing, HVAC, electrical work orgeneral contracting, or is a member of a professional organization such as the National Association ofHome Inspectors, Inc. (NAHI). Ask your inspector for credentials and certifications.

Once the inspector gives you the written report, you have the information you and your lender need tomake informed decisions about what needs repair, and whether you or the seller is responsible.






After Your Home Purchase

Helping you find and purchase the right home will be our focus when working together, but our services don’t stop there! At NextHome, we are committed to being your resource for all things home, neighborhood and community related.

We are here to help you all along the way as you build a family, a life and memories in your new community. We will keep you updated on current market trends and the value of your investment. We are a resource for information if you ever consider renting or moving.

Once you work with us, you are part of our family, and the NextHome family gives long lasting support!

INTRO

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Christine DwigginsNextHome

Address 4309 Hacienda Drive #110

Mobile 415-595-8787

E-mail [email protected]

Web www.NextHome.com

BRE number 01365648

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CONTACT ME


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