We live in one America’s Farm-to-Fork destinations. The cities are buzzing with things to taste, see, and savor. We invite you to pick your pleasure, whether it’s our farm-fresh restaurants, plentiful farmers markets, home-grown breweries, colorful street murals, Suisun Valley Wine Country, or a sunset walk along the waterfront.
BRINGING YOU HOME
If you live here already, you know how blessed we are. If you’re considering living or investing here, you’ve probably experienced some of the area’s extraordinary possibilities: City living with country settings and small-town communities; enthralling agricultural beauty, and true farm to fork lifestyle, If Northern California is your real estate destination, you’ve arrived at the right spot. Whether you’re looking to buy your first home – or to sell an estate – expect nothing less from us than a Meritage blend of real estate expertise, professional service, creativity, and a passion for achieving your goals.
Home Buying Process
As soon as you can, start reading Web sites, newspapers, and magazines that have real estate listings. Make a note of particular homes you are interested in and see how long they stay on the market. Also, note any changes in asking prices. This will give you a sense of the housing trends in specific areas.
Getting prequalified is one of the most important steps in readying yourself for a home purchase. In todays competitive environment sellers want to be sure you are qualified to purchase their home prior to stepping through the door. This also positions you in the best possible way to get your offer accepted and puts you in the divers seat when searching for homes. Need help finding the right lender? We know a guy, or a girl. 🙂
Lenders generally recommend that people look for homes that cost no more than three to five times their annual household income if the home buyers plan to make a 20% down payment and have a moderate amount of other debt.
Real estate agents are important partners when you’re buying or selling a home. Real estate agents can provide you with helpful information on homes and neighborhoods that isn’t easily accessible to the public. Their knowledge of the home buying process, negotiating skills, and familiarity with the area you want to live in can be extremely valuable. And best of all, it doesn’t cost you anything to use an agent – they’re compensated from the commission paid by the seller of the house.
Typically, purchase offers are contingent on a home inspection of the property to check for signs of structural damage or things that may need fixing. Your real estate agent usually will help you arrange to have this inspection conducted within a few days of your offer being accepted by the seller. This contingency protects you by giving you a chance to renegotiate your offer or withdraw it without penalty if the inspection reveals significant material damage.
Both you and the seller will receive a report on the home inspector’s findings. You can then decide if you want to ask the seller to fix anything on the property before closing the sale. Before the sale closes, you will have a walk-through of the house, which gives you the chance to confirm that any agreed-upon repairs have been made.
Start touring homes in your price range. It might be helpful to take notes on all the homes you visit. You will see a lot of houses! It can be hard to remember everything about them, so you might want to take pictures or video to help you remember each home.
Who You Work With: Matters
Success Is In The Closing
Lenders will arrange for an appraiser to provide an independent estimate of the value of the house you are buying. The appraiser is a member of a third party company and is not directly associated with the lender. The appraisal will let all the parties involved know that you are paying a fair price for the home.
As you can imagine, there is a lot of paperwork involved in buying a house. Your lender will arrange for a title company to handle all of the paperwork and make sure that the seller is the rightful owner of the house you are buying.
At closing, you will sign all of the paperwork required to complete the purchase, including your loan documents. It typically takes a couple of days for your loan to be funded after the paperwork is returned to the lender. Once the check is delivered to the seller, you are ready to move into your new home!
Use this interactive map search tool to find any home for sale throughout Northern California. From Lake county, Sonoma, Marin, Napa, Solano, Yolo and Sacramento. If it’s on the MLS you’ll find it here. Looking for homes not yet on the MLS or “Off Market” homes? Make sure you subscribe to our Insiders list below so you’ll get coming soon and off market listings before they hit the MLS. Need immediate assistance? Call or text us at 707.580.3499
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While the heart of the Napa Valley may be found in a glass, its soul is revealed through its spirit of community. Let us help you find your next Napa Valley destination. From winemaking’s humble beginnings, to redefining what a modern-day winery is, to today’s local growers sharing their agricultural innovations, community spirit can be experienced in every corner of this valley; and is what ultimately gives life here a flavor all its own.
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If you live here already, you know how blessed we are. If you’re considering living or investing here, you’ve probably experienced some of the area’s extraordinary possibilities: country settings and small-town communities; enthralling agricultural beauty, and true farm to fork lifestyle, If Northern California is your real estate destination, you’ve arrived at the right spot. Whether you’re looking to buy your first home – or to sell an estate – expect nothing less from us than a Meritage blend of real estate expertise, professional service, creativity, and a passion for achieving your goals.
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Melinda & Emily Capp
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