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        <title>Real Estate Blog</title>
        <link>http://www.mysantacruzrealestate.com/blog/santa-cruz-real-estate-agent/</link>
        <description></description>
        <item>
            <guid>http://www.mysantacruzrealestate.com/blog/what-happens-after-youve-signed-a-contract-to-buy-a-santa-cruz-home.html</guid>
            <link>http://www.mysantacruzrealestate.com/blog/what-happens-after-youve-signed-a-contract-to-buy-a-santa-cruz-home.html</link>
            <author>lauren@laurenspencer.com (Lauren Spencer)</author>
            <title>What Happens After You’ve Signed a Contract to Buy a Santa Cruz Home?</title>
            <description> <![CDATA[ 
You’ve found the Santa Cruz home you want to live in, you and the seller have come to terms, and you now have a signed contract. What happens next?


Here’s an overview of the things you need to do after you and the seller have signed the real estate contract:


1. Get answers to your questions: If you have any questions, now is the time to ask them. Sit down with your team of real estate professionals, including your agent, home inspector, and lender to get answers to all your questions. Keep asking questions until you completely understand every step of the process and all the paperwork.


2. Dive into the disclosure: Carefully review the disclosure documents to be sure you're aware of any past or present problems.


3. Finalize your mortgage: You’ve already been pre-approved. Now’s the time to make a final decision on the type of loan you want and lock-in the interest rate you’ll pay.


4. Find out the results of the home appraisal: As the buyer of the Santa Cruz home, you are entitled by federal law to a copy of the appraisal you paid for. Look over the appraisal and notify the lender of any errors that could have affected the appraiser's opinion of the home's value.


5. Have the property professionally inspected: It’s important that you attend the property inspection. It gives you the opportunity to see for yourself what the home inspector discovers. Also ask the inspector to show you where the major systems of the home are located and how they work.  Bring the list of disclosures so you can share them with the inspector to be sure those problems have been taken care of.


6. Attend the closing: The closing is the last step in the legal process of transferring ownership of the home from the seller to you.


7. Celebrate! All your hard work has paid off, and you can now enjoy your new Santa Cruz home.


Would you like to work with a real estate agent who’ll be by your side every step of the way through this process? I’d be honored to be that real estate agent. Give me a call today at 831.662.6522 or email me at Lauren@LaurenSpencer.com to set up a time to talk.


For additional real estate information, please visit my homepage at www.MySantaCruzRealEstate.com.


Links:


Disclosure


Home appraisal


Finalize your mortgage


 
 ]]> </description>
            <pubDate>Fri, 01 Jun 2012 01:01:00 -0700</pubDate>
                    </item>
        <item>
            <guid>http://www.mysantacruzrealestate.com/blog/tips-every-santa-cruz-home-buyer-should-know.html</guid>
            <link>http://www.mysantacruzrealestate.com/blog/tips-every-santa-cruz-home-buyer-should-know.html</link>
            <author>lauren@laurenspencer.com (Lauren Spencer)</author>
            <title>Tips Every Santa Cruz Home Buyer Should Know</title>
            <description> <![CDATA[ 
As home buying picks up pace with spring in full bloom, here are a few tips every Santa Cruz home buyer should keep in mind:


1. Plan to stay in the property more than 5 years.  Typically, home values appreciate 7% per year; that number has been 2% to 5% recently, so it will take longer to break even and begin making a profit or building equity in your home.


2. Do the math.  First, figure out what price range you can afford.  Then, calculate how much income is left after paying the mortgage, taxes and insurance.  Use an online affordability calculator to make this easier.


3. Explore the neighborhood.  At various times of the day and night, visit the neighborhood of a Santa Cruz home you are interested in.  Find out if it’s an area in which you’ll enjoy living.  How are the schools, the traffic, the noise and the neighbors?


4. Find the right agent.  Interview at least three agents.  Make sure they’re experienced, knowledgeable and professional and that your communication styles mesh.  They will be overseeing the most expensive decision of your life, so take the time to find the best person for the job. 


5. Shop for your mortgage.  Shaving even half of a percentage point off your mortgage rate can save you thousands of dollars.


6. Get pre-approved. Before you start house hunting, get pre-approved for a mortgage. You’ll save yourself the grief of looking at houses you can't afford. Being pre-approved will also improve your chances of getting the sellers to say yes to your offer. Not to be confused with pre-qualification, which is based on a cursory review of your finances, pre-approval from a lender is based on your actual income, debt and credit history.


7. Hire a home inspector. Have the property checked out by a professional home inspector. Even if you and your agent carefully look over the home, there can be hidden problems only a home inspector can find.


If you’re looking for a real estate agent to help you buy a Santa Cruz home, I’d be honored to be considered for the job. Give me a call today at 831.662.6522 or email me at Lauren@LaurenSpencer.com to schedule a time to interview me.


For additional information about my real estate services, please visit my homepage at www.MySantaCruzRealEstate.com.


Links:


Online affordability calculator


Shop for your mortgage


Pre-approved for a mortgage
 ]]> </description>
            <pubDate>Mon, 28 May 2012 01:01:00 -0700</pubDate>
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            <guid>http://www.mysantacruzrealestate.com/blog/seven-tips-for-a-painless-closing-on-your-santa-cruz-real-estate.html</guid>
            <link>http://www.mysantacruzrealestate.com/blog/seven-tips-for-a-painless-closing-on-your-santa-cruz-real-estate.html</link>
            <author>lauren@laurenspencer.com (Lauren Spencer)</author>
            <title>Seven Tips for a Painless Closing on Your Santa Cruz Real Estate</title>
            <description> <![CDATA[ 
The closing is the final step in purchasing your Santa Cruz real estate. The closing date is set during the negotiation phase and is usually several weeks after the offer is formally accepted. During the closing, the buyer and seller complete the purchase contract and ownership of the property is transferred to the buyer.


Before the closing can occur, all terms of the purchase contract must be met. As you can imagine, problems can come up which delay the closing.  Here are seven tips to ensure a smooth and problem-free closing on your Santa Cruz real estate:


1. Communicate. Talk with all parties involved in the deal, from your agent to your lender, and discuss what to expect.  Get in touch with each of them to make sure they have everything they need from you for a hassle-free closing.


2. Do a final walk-through. Before you close, it’s critical to do a final walk-through to check that all repairs agreed upon were actually done. You also want to ensure that everything is in the state that you expect it to be in.


3. Anticipate errors in the paperwork.  There could be missing documents, typos and mistakes in the paperwork.  Before closing day, review all documents thoroughly to catch and fix mistakes.


4. Make sure the money is there.  Talk with your real estate agent to be sure that you will have the money you need, in the right form, at closing.


5. Ask your agent to attend the closing.  You want your trusted agent there to explain to you the purpose of each form you are signing, answer any questions you have and guide you through the process.


6. Expect the unexpected.  Read all documents before signing them.  Any corrections will have to be made before the closing can continue.


7. Plan to take the day off.  You do not want to be late to the closing or be worried about having to go back to work. Spend the rest of the day celebrating!


If you’re ready to work with a professional Santa Cruz real estate agent who will guide you step-by-step through the home-buying process, please contact me.  You can reach me at 831.662.6522 or Lauren@LaurenSpencer.com.


For additional information please visit my homepage at www.MySantaCruzRealEstate.com.


Links:


Final walk-through


Closing


Home-buying process


 


 
 ]]> </description>
            <pubDate>Tue, 22 May 2012 01:01:00 -0700</pubDate>
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        <item>
            <guid>http://www.mysantacruzrealestate.com/blog/how-to-get-the-best-from-your-santa-cruz-real-estate-agent.html</guid>
            <link>http://www.mysantacruzrealestate.com/blog/how-to-get-the-best-from-your-santa-cruz-real-estate-agent.html</link>
            <author>lauren@laurenspencer.com (Lauren Spencer)</author>
            <title>How to Get the Best from Your Santa Cruz Real Estate Agent</title>
            <description> <![CDATA[ 
You’ve decided it’s time to buy a new home, and you’re ready to hire a Santa Cruz real estate agent to help you through the process. Wise decision!


The agent you hire wants to provide the very best service for you.  Here are several things you can do to help your Santa Cruz real estate agent do the best work for you:


1. Share your expectations. Exactly what do you want your real estate agent to do for you? Do you want him or her to provide an update to you weekly? What’s your preferred method of communicating – phone, email or text?


2. Get pre-approved for a loan. When you’re pre-approved, you have a better chance of getting that perfect home you find because sellers prefer to work with buyers who have been pre-approved for a mortgage. You’ll also know the price range of the home you can afford to buy.


3. Be clear about what you want. Prioritize a list of exactly what you’re looking for in a home and give that to your Santa Cruz real estate agent. Be sure to include as many details as possible, including the price range (which you know since you’ve gotten pre-approved for a loan), the number of bedrooms and bathrooms you need, the type of neighborhood you prefer to live in and the style of home you want.


4. Be honest and frank. If you have concerns about a home you’ve looked at, speak up. Share exactly what it was you liked and disliked about the home. If the agent is not living up to your expectations, tell him or her. Treat your agent the way you’d like to be treated and your relationship will flourish.


5. Go at your own pace. If you get tired or overwhelmed when you look at more than three homes in one day, tell your agent that you want to limit the number of homes to three per outing.


6. Be prepared to negotiate. Your agent will handle the contract negotiations for you, but you must be open to compromise. When you find a home you love, don’t lose it because you’re unwilling to negotiate. Place an offer and then counter-offer as many times as needed in order to get the home you want.


7. Remember that you have the final word. The agent can and will make suggestions, but the final decision is yours. When you find the home that fits your needs, be ready to say, “Yes, this is the one.”


Just like any other relationship, the client-agent relationship takes work. If you both do your part, you’ll be more relaxed, make better decisions and achieve your real estate goals.


If you are ready to find the right Santa Cruz real estate agent for your needs, please give me the opportunity to interview for the job. Call me today at 831.662.6522, or email me at Lauren@LaurenSpencer.com to schedule an appointment.


For additional information visit my homepage at www.MySantaCruzRealEstate.com.


Links:


Preapproved for a loan


Style of home


Be prepared to negotiate


 
 ]]> </description>
            <pubDate>Wed, 16 May 2012 01:01:00 -0700</pubDate>
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        <item>
            <guid>http://www.mysantacruzrealestate.com/blog/how-to-catch-a-santa-cruz-home-buyers-eye.html</guid>
            <link>http://www.mysantacruzrealestate.com/blog/how-to-catch-a-santa-cruz-home-buyers-eye.html</link>
            <author>lauren@laurenspencer.com (Lauren Spencer)</author>
            <title>How to Catch a Santa Cruz Home Buyer’s Eye</title>
            <description> <![CDATA[ 
In this economy, every leg up on other sellers will help your home sell faster and at the price you want.  If you’re not getting the offers you want on your Santa Cruz home, here are nine ideas to get things moving in the right direction:


1. Get an appraisal.  Knowing what a professional appraiser thinks your home is worth gives owners a reality check. It also helps you determine the best price for your home.


2. Get a home inspection before listing your home.  Find out the hidden problems with your Santa Cruz home and correct them in advance. If you get your home inspected and find problems but elect not to repair them, be sure to include the problems on the property condition disclosure form.


3. Consider offering a home warranty.  Everyone likes a security blanket and a home warranty gives buyers an assurance that if something goes wrong with major appliances, plumbing or electrical systems, they will not have to spend a lot of money to get it fixed.


4. Pay for lawn care through the summer.  This lets the buyer know you’ve thought of everything, and it’s one less worry for them when moving.  Taking care of the pool cleaning tab is another incentive you may want to consider including.


5. Pay the HOA dues. If you're in a homeowner's association (HOA), pay the new buyer's fees for the first year.


6. Pay all or part of the buyer's closing costs. This can be deducted at closing from the proceeds of the sale.


7. Pay the buyer's property taxes for a year. You may already have paid a portion or all of it anyway.


8. Offer to leave furnishings. If you have a couch that perfectly fits an unusually shaped living space, offer to include it in the sale of the home.


9. Have some flexibility on the price.  Being willing to negotiate on the price shows a buyer you are willing to work with them. 


If you’re looking for a real estate agent who can get your Santa Cruz home sold at a good price, give me a call today at 831.662.6522 or email me at Lauren@LaurenSpencer.com.


For additional information please visit my homepage at www.MySantaCruzRealEstate.com.


Links:


Get an appraisal


Property condition disclosure


Home warranty
 ]]> </description>
            <pubDate>Mon, 14 May 2012 01:01:00 -0700</pubDate>
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            <guid>http://www.mysantacruzrealestate.com/blog/how-do-lenders-determine-how-much-you-can-afford-to-spend-on-santa-cruz-real-estate.html</guid>
            <link>http://www.mysantacruzrealestate.com/blog/how-do-lenders-determine-how-much-you-can-afford-to-spend-on-santa-cruz-real-estate.html</link>
            <author>lauren@laurenspencer.com (Lauren Spencer)</author>
            <title>How Do Lenders Determine How Much You Can Afford to Spend on Santa Cruz Real Estate?</title>
            <description> <![CDATA[ 
Mortgage lenders are primarily concerned with your ability to repay your Santa Cruz real estate mortgage.  They will consider your credit score, debt-to-income ratio and how much you have for a down payment before telling you what you can afford to spend on Santa Cruz real estate.


Credit Score


One of the first things your lender will review is your credit score.  Credit scores range from a low of 350 to a high of 850.  In this case, the higher, the better.  The lower your credit score, the higher your interest rate and points will be, and the lower the amount of home you’ll be able to afford. If your score is too low, you may not qualify for a mortgage. If your score is low, you may need to take some time to improve your credit score before buying Santa Cruz real estate.


Debt-to-Income Ratio


Lenders use a formula called the debt-to-income ratio to determine if your income is high enough and your debts are low enough to qualify for a certain loan amount.


Standard debt-to-income ratios are the housing expense ratio (also called front-end ratio) and the total debt-to-income ratio (also called back-end ratio).  How are these calculated?


• Front-end ratio:  Shows how much of your gross monthly pretax income would go toward the mortgage payment.  As a general rule, the monthly mortgage payment, including principal, interest, taxes, and homeowners insurance, should not exceed 28 percent of your gross monthly income.  To calculate the front-end or housing expense ratio, multiply your annual salary by 0.28, and then divide by 12 months.  This is your maximum housing expense ratio. (Annual salary x 0.28/12 = Maximum housing expense ratio)


• Back-end ratio:  This shows how much of your gross income would go toward all of your debt obligations – mortgage, car loans, child support, credit card bills, etc.  Your monthly debt obligation should not exceed 36 percent of your gross income.  To calculate this ratio, multiply your annual salary by 0.36, and then divide by 12 months.  This is your maximum allowable debt-to-income ratio. (Annual salary x 0.36/12 = Maximum allowable debt-to-income ratio)


Down Payment


Last but definitely not least, lenders consider the amount you have for your down payment. The bigger your down payment, the less risk the lender is taking on, so you will probably receive a better interest rate. Ideally, you want to come up with at least 20% of the value of your new home as a down payment, to avoid things like mortgage insurance payments.


The mortgage process can be confusing.  I would be happy to go over this information with you in detail, or if you prefer, I can refer you to a well-respected, knowledgeable mortgage lender. Please call me today at 831.662.6522 or email me Lauren@LaurenSpencer.com for more information.


For additional information visit my homepage at www.MySantaCruzRealEstate.com.


Links:


Credit Scores


Improve your credit score


Debt-to-income ratio
 ]]> </description>
            <pubDate>Sat, 12 May 2012 01:01:00 -0700</pubDate>
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            <guid>http://www.mysantacruzrealestate.com/blog/choose-a-santa-cruz-real-estate-agent-who-will-work-for-you.html</guid>
            <link>http://www.mysantacruzrealestate.com/blog/choose-a-santa-cruz-real-estate-agent-who-will-work-for-you.html</link>
            <author>lauren@laurenspencer.com (Lauren Spencer)</author>
            <title>Choose a Santa Cruz Real Estate Agent Who Will Work for You</title>
            <description> <![CDATA[ 
When it comes time to sell your home, the person who can ensure a quick sale at top dollar is your Santa Cruz real estate agent. He or she will be the primary person marketing your home, and if your professional doesn’t work hard to sell your home, it can cost you precious time and money.


Choosing the right Santa Cruz real estate agent can be tricky. To help you make a wise choice, below are five simple questions you should ask agents before making your decision:


1. How many other homeowners are you currently working with? An agent with too many properties on their plate might not give your home the individual attention it needs to attract potential buyers. However, if the agent has no listings, that might also be a bad sign.


2. Are you going to be readily available? There is nothing more frustrating than working with an agent who seems too busy to show your home, take your phone calls or answer your emails.


3. How does your real estate agency compare to the others in town? Any brokerage with great statistics will be happy to share them with you. However, you may get more personal attention working with a lower-volume agency.


4. Are you a member of the National Association of REALTORS®? Members are held accountable for their professional ethics. They continually participate in training and educational courses to keep up their certification.


5. What’s your plan for marketing my home? A good agent should be able to give you a detailed and well-thought-out plan for marketing your home. It’s also a good idea to make sure your expectations are clear before entering into any agreement.


Selling your home can be stressful. When selecting a Santa Cruz real estate agent to represent your interests, it’s important you feel comfortable that he or she will meet your expectations.


If you’re getting ready to sell and have questions about comparables, marketing strategies or the process in general, please call me at 831.662.6522 or email me at Lauren@LaurenSpencer.com for more information.


For additional information please visit my homepage at www.MySantaCruzRealEstate.com.


Links:


Attract potential buyers


National Association of REALTORS


Marketing my home
 ]]> </description>
            <pubDate>Sun, 06 May 2012 01:01:00 -0700</pubDate>
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        <item>
            <guid>http://www.mysantacruzrealestate.com/blog/what-is-the-difference-between-a-santa-cruz-real-estate-agent-and-a-broker.html</guid>
            <link>http://www.mysantacruzrealestate.com/blog/what-is-the-difference-between-a-santa-cruz-real-estate-agent-and-a-broker.html</link>
            <author>lauren@laurenspencer.com (Lauren Spencer)</author>
            <title>What is the Difference Between a Santa Cruz Real Estate Agent and a Broker?</title>
            <description> <![CDATA[ 
You’ve probably heard the terms real estate agent, broker, REALTOR®, listing agent and buyer’s agent. But do you know what they mean and the differences between them? 


Here are the definitions of terms you may encounter on your Santa Cruz real estate agent search:


1. Real estate agent: Agents are licensed sales people. They are not real estate brokers. In fact, they must work for an employing broker and cannot work independently. An agent works under the broker's guidance and legal protection. Real estate agents are required to undergo education pertaining to real estate law and ethics.


2. Real estate broker: A real estate broker has more education than an agent, they can work independently, and they can hire other real estate agents. While many of the responsibilities of an agent and a broker are interchangeable when it comes to customers, the role and qualifications for each are incredibly different. Typically, a broker is more of a manager for a real estate company. Brokers have to undergo more extensive education than agents in relation to business management.


3. REALTOR®: Not all agents are REALTORS®. A real estate agent becomes a REALTOR® when he or she joins the National Association of REALTORS®.  The term "REALTOR®" is a registered collective membership mark that identifies a real estate professional who is a member of the NATIONAL ASSOCIATION OF REALTORS® and abides by its strict Code of Ethics.


4. Listing agent: They are also known as seller’s agents because they represent the seller.  A listing agent can be a real estate broker, a real estate agent and/or a REALTOR®


5. Buyer’s agent: Buyer’s agents represent the buyer. They can be a real estate broker, a real estate agent, and/or a REALTOR®Basically you want to find out which side the Santa Cruz real estate agent you are talking to is on -- the buyer’s or the seller’s.  Then you will understand where their loyalty lies.  You always want someone on your side that will look out for your best interests.


If you’re looking for a Santa Cruz real estate agent to help you buy or sell a home, please contact me. I’d love to be considered for the job. You can reach me at 831.662.6522 or Lauren@LaurenSpencer.com.


For additional Real Estate information, please visit my home page at www.MySantaCruzRealEstate.com.


Links


Real estate broker


REALTOR®


Buyer’s Agent
 ]]> </description>
            <pubDate>Wed, 02 May 2012 01:01:00 -0700</pubDate>
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            <guid>http://www.mysantacruzrealestate.com/blog/how-to-buy-santa-cruz-foreclosures.html</guid>
            <link>http://www.mysantacruzrealestate.com/blog/how-to-buy-santa-cruz-foreclosures.html</link>
            <author>lauren@laurenspencer.com (Lauren Spencer)</author>
            <title>How to Buy Santa Cruz Foreclosures</title>
            <description> <![CDATA[ 
Consider buying foreclosed properties if you are looking for real estate bargains. Foreclosure is a legal process in which the insurer or lender repossesses the property from the borrower who defaulted on their loan.  Santa Cruz foreclosures are easy to find with just a little work.


Here are nine tips to help you find the best Santa Cruz foreclosures:


1. Find a real estate agent: The first step is to get a reliable and trusted real estate agent.  Never try to purchase a foreclosed property by yourself.


2. Get pre-approved for a loan: If you’re not paying cash, pre-approval is a must. It means you have met with a loan officer and he or she has “pre-approved” you for a certain amount you can afford.


3. Locate foreclosed properties: You can locate properties scheduled for foreclosure sales by checking classified newspaper ads for listings under Foreclosure Notices, Auction Sales or Sheriff’s Sales.  But your real estate agent is your best source!


4. Check with local lending institutions and government agencies:  The FHA (Federal Housing Administration), HUD (Department of Housing and Urban Development) and local banks are also good places to find information about foreclosed properties.


5. Inspect: Have the foreclosed property inspected to determine its condition and market value. There may be problems that you and your agent can’t see.


6. Determine ownership: Identify potential ownership problems and find existing liens by having a title search conducted on the foreclosed property.


7. Contact the trustee: Contact the trustee of the foreclosure sale to inquire about the minimum bid the lender will accept.


8. Make an offer: Follow the submission guidelines carefully.  Many offers are rejected due to incomplete paperwork or missing signatures.


9. Obtain Title Insurance: Once you have purchased your foreclosure property, you must purchase title insurance, have the deed signed into your name and transfer the utilities.


Santa Cruz foreclosures can be complicated, so make yourself aware of your state’s legal procedures for acquiring foreclosed properties.  Your real estate agent should be a big help with this.


If you are ready to look for foreclosed properties, call me at 831.662.6522 or email me at Lauren@LaurenSpencer.com, and we’ll get this process started.


For additional information please visit my homepage at www.MySantaCruzRealEstate.com.


Links:


Get pre-approved for a loan


Determine ownership


Obtain title insurance
 ]]> </description>
            <pubDate>Sat, 14 Apr 2012 01:01:00 -0700</pubDate>
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            <guid>http://www.mysantacruzrealestate.com/blog/definition-and-obligations-of-a-dual-santa-cruz-real-estate-agent.html</guid>
            <link>http://www.mysantacruzrealestate.com/blog/definition-and-obligations-of-a-dual-santa-cruz-real-estate-agent.html</link>
            <author>lauren@laurenspencer.com (Lauren Spencer)</author>
            <title>Definition and Obligations of a Dual Santa Cruz Real Estate Agent</title>
            <description> <![CDATA[ 
Whether you’ve decided to purchase a new home or list yours for sale, you’ll need to hire an experienced Santa Cruz real estate agent. Selling and buying homes can be stressful, so you need to be able to trust and rely on your Santa Cruz real estate agent to do what’s in your best interest, even if they’re acting as a dual agent.


While ‘dual agent’ might be a confusing term, it’s quite simple — the real estate agent is working for both the buyer and the seller of the home. As both parties will have a lot at stake, this could be perceived as a conflict of interest. Below are some of a dual agent’s obligations which are put in place to prevent a conflict of interest:


• An agent should disclose dual agency – As soon as a real estate agent realizes that a buyer is seriously interested in a property on which they have a signed contract, they should immediately be honest with both parties about the possibility of dual agency.


• Dual agents should represent both parties fairly – real estate agents are ethically obligated to treat both the buyer and the seller equally should a dual agency occur.


• Duel agents cannot disclose personal information – A dual agent cannot tell the other party about any personal issues associated with the selling or buying of the house, such as a divorce or financial distress. This is important because one party should not have the upper hand during negotiations.


If two agents within the same agency represent the buyer and seller, the transaction is still considered a dual agency. It’s completely normal to be wary of a dual agency when it comes to selling or purchasing a home with a Santa Cruz real estate agent. However, it is fairly common, and as long as all parties are treated equally, it usually works out quite well.


If you’re not comfortable with a dual agency arrangement, tell your real estate agent that you prefer to have him or her work exclusively for you. If he or she is unwilling to do that, find a new agent.


If you’d like to work with a professional real estate agent who always puts your best interests first, please give me a call at 831.62.6522 or email me at Lauren@LaurenSpencer.com.


For additional information please visit my homepage at www.MySantaCruzRealEstate.com.


Links:


Stressful


Real estate agents are ethically obligated


Negotiation
 ]]> </description>
            <pubDate>Fri, 06 Apr 2012 01:01:00 -0700</pubDate>
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