There is a reason we refer only the top guys as a Sacramento mortgage broker to our buyers. They perform. They do what they say they will do. There are no excuses offered up because they don’t screw up. Our preferred mortgage brokers return phone calls. When everybody’s bag o’ money is pretty much the same, a Sacramento home buyer would have to be a bit nuts not to want to work with our preferred mortgage broker. The guys who make sure to close early or right on time are a precious commodity in Sacramento real estate.
An agent commented yesterday that she felt embarrassed to be part of a profession in which so many real estate agents have a bad reputation because she does not deserve that moniker. Hey, some agents deserve the bad reputation label because they have earned it. Other agents are thoughtful, skilled, compassionate and excel at their job. It’s why some listing agents get paid 6% commission or more, for example, and others only 5% or less. Because good listing agents are worth what they are paid.
Back in the old days of Sacramento real estate, nobody cared much about proof of funds. A lot of business was done on a handshake and, when I started in the business in 1974, via a one-page NCR contract. To put that time period into perspective, this was before most families even owned a microwave. But times change, and we quickly adapt to the times they are a-changin’. I can’t believe I ever survived in a world without computers and cellphones, but I obviously did.
Nowadays, people want proof of everything. There are no good-ol’ boy deals. We don’t trust anyone. Nor should we, necessarily. There are too many crooks and scam artists, just more sophisticated, and electronic crimes are becoming more complicated and commonplace. It seems like every day I get an email from somebody asking me to click on a link that is clearly a trick. I’m always on the lookout for fake crap, and I hold a duty to my sellers when I receive a purchase contract to check it out for red flags, one of which is often the proof of funds.
People see how fast an agent can put a home pending (into escrow) in Sacramento and they often make the mistake of thinking that selling Sacramento real estate must be a piece of cake, when little is further from the truth. I’ve been working on this listing for the past 6 1/2 weeks. There were a lot of moving parts, many circumstances and unforeseen situations, some out-of-state, some in the city, and it all had to come together. On top of this, I revised my comparative market analysis almost daily to arrive at the perfect listing price.
When we left our house in Land Park on Sunday with the intent of viewing wildflowers at Mount Diablo, I considered bringing my Canon PowerShot but then thought, oh, my cellphone will work just as well for flowers. Duh. It did not occur to me that we might find a spotted towhee singing away at the top of his lungs in the brush. Fortunately my husband had his Nikon and zoom lens. What a lovely buzzing sound. At first I thought of a rattlesnake because there are snakes there, but no, it was a bird.
We decided to go hiking at the north end of the park to see the early bloom of wildflowers at Mount Diablo after we met up last week with an interesting couple from Georgia / South Carolina. During a dinner conversation, I had invited ourselves to go along on a mission to dump a person’s ashes, but nobody took me up on that idea. Can’t say I blame them. It was a personal trip and these people were pretty much strangers to us, but that’s just how I am. Sometimes people say yes to such spur-of-the-moment self-invitations.