Published on December 10, 2014
2 Letter from the Editors In this issue, we will touch on a lot o consumer-oriented subjects regarding the sale and purchase o real estate. As the housing market continues to rebound, real estate agents and their clients still ace issues o nancing, pricing and strategies or showing their homes. In this issue, we will cover details about how a buyer or seller should choose a real estate agent to represent them and what questions should they ask their potential agent to ensure they are both on the same page. We will touch on how a rst-time homebuyer can proactively prepare or acquiring a mortgage to nance their starter home, the type o credit reports needed, what actors aect their credit scores, what steps can they take to repair their credit and i it needs to be repaired. Also, the documents expected to gathered and presented to a loan ofcer. For sellers, we’ll examine home improvements and decide which come closest to paying or themselves, or i any o them do. We’ll also oer sellers a list o repairs they should make beore even considering putting their house up or sale. Finally, we’ll share some proessional staging secrets with sellers that will ensure that they’ll be able to show their properties in the best possible light. We hope you nd this issue as inormative and un to read as we did writing it. Feel ree to contact us i you have questions or would like your riends and amily added to our distribution list. American Pacific Mortgage Corporation dba Equitable Mortgage Group - NMLS #1850. Branch NMLS #1204040. Licensed under the Dept of Business Oversight under the CRMLA. The Christensen Team Contact any team member for fast, courteous and professional service. Charlie (415) 578-9600 email@example.com Erin (415) 578-9604 firstname.lastname@example.org David (415) 578-9610 email@example.com Hilary Davis Realtor - BRE # 01324327 Cell: 415.235.3133 Hilary@MarinModern.com http://www.mynorthbayrealtor.com A Marin County native, I was born and raised in San Rafael and went to school locally, earning degrees from College of Marin and San Francisco State University. After graduating from college, I worked in the photography business and eventually started my own video production company. For 15 years I videotaped, produced and directed hundreds of events, corporate productions and a travel advisory show on local cable. With a lifelong career in sales and customer service, I chose to be a Realtor in 2001 because it combines two of my favorite types of work, helping people and managing projects. I pride myself as a consummate professional who listens with care to your needs, wants and desires then powerfully negotiates to maximize value and get results. Experience, knowledge, and superior negotiation skills make a real difference; you will find me to be your trusted advisor throughout the transaction process. My goal, as your real estate advisor, is to make the process of buying or selling a home smooth and rewarding. Your time is important; therefore, I provide fast access to quality information such as up-to-the-moment home search results, home value and pricing trends, current mortgage programs, as well as neighborhood and school statistics. The opportunity to serve as a real estate professional is a privilege I take seriously.