For Buyers

Market conditions have never been better for buyers, but finding the right property, negotiating the best deal, and managing all the details are as complicated as ever. Whether you’re a first-time buyer, a current homeowner, or a real estate investor, you need a trustworthy, knowledgable real estate professional to help you through the home buying process. You need an Executive.

Executives Versus Agents

A real estate Executive is more than an agent. An Executive is a trusted source of local information, familiar with every block of every neighborhood, and able to help you understand how and where you’d fit best. An Executive understands local market conditions, so you can make a conservative but fair offer that will get you in the right home at the right price. Above all, an Executive is a professional, with years of experience negotiating deals and managing legal and regulatory red tape. When you’re dealing with an Executive, you can relax and focus on finding the perfect home, knowing you’re in good hands.

The Perfect Home

A home is more than a number of bathrooms and bedrooms. While amenities set baselines and standards for your search, an ideal home is one that meets your needs for things that can’t be measured in bedrooms, bathrooms, and square footage. Style, safety, history, neighborhood character, local schools, cultural resources, and how much you can reasonably afford are just a few of the factors your Executive will consider during your home search. A perfect home should stir your emotions, and an Executive will help you find the home that does just that–without letting emotions get in the way of your negotiations.

Negotiations and Financing

An Executive is an expert negotiator who knows where to start an offer, how far to push, and when to walk away. Executives can also help you understand the “hidden” costs and fees associated with the home buying process to ensure that you don’t get in over your head. Once your offer is accepted, an Executive will walk you through inspections and other contingencies, closing, underwriting, and escrow, so you can move into your new home without any worries.

I’ve included some relevant blog posts and links for your review. If you would like more information on how an Executive can help you find you dream home, please contact me.

Other Links:

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Real Estate FAQ

Posted on July 27, 2011 by lyleandgrace

Frequently Asked Questions

- Do I Have To Pay Any Upfront Costs?

None! We pay for everything to sell your home. We do not get paid until your home sells.

- Do You Have Buyers For Our Home?

Yes, We have a lead generation system bringing buyers right to your home.

- How Will People Show Our Home?

We can Personally open your home for each viewing and also give other agents access to show you home as well.

- What Is Your Fee?

Our fee is negotiable/competitive. Our value will put more money in your pocket then a discount broker ever will.

- Why Should I Pick You As My Realtor?

We have sold more than 1,600 homes and still counting. We network with many of the buyers and sellers that are coming to your area direct.

 

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Foreclosure List Sign-Up Form

Posted on April 5, 2011 by lyleandgrace



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Tax Benefits of Owning a Home

Posted on March 25, 2011 by lyleandgrace

Buying a home is the biggest investment many people ever make. And it can be the wisest, due partly to a number of tax advantages the government has instituted to encourage home ownership. These benefits can help reduce the cost of buying and owning a home and also leave you with more money when it’s time to sell.
Because tax rules vary based on income and other factors, you should consult an accountant or financial advisor for advice on your particular tax situation.

Mortgage interest

One of the biggest incentives to owning a home is that the interest you pay on your mortgage is tax-deductible, up to a limit of $1 million. This deduction, like most other tax breaks for homeowners, applies to any kind of home. That includes a second home, as long as you spend a certain amount of time there: either 14 days each year, or 10 percent as much time as it’s rented.

In addition, you can deduct the interest on up to $100,000 of other debt that uses your home as security — for example, a home equity loan. However, the amount you can deduct may be limited if the money you borrow raises your debt above the home’s actual market value. This can sometimes happen when a lender extends you a loan based on more than the value of the house.

You can also deduct any amount you pay for points to reduce the interest rate of your mortgage or other loan linked to your home. In most cases, the points on a mortgage to buy or build your principal home can be deducted fully in the first year. However, if you refinance, take a home equity loan, or a loan secured by a second home, the points must be deducted over the life of the new loan. The exception is if you use part of a refinanced mortgage to improve your house; that portion of the points can be deducted in the same year.

Tax-free profits

Another major advantage of home ownership is that, in most cases, you don’t have to pay taxes on any profit you make when you sell your home. The law allows you to exclude from taxes up to $250,000 in profit from the sale of your principal home — $500,000 for a couple who file jointly. This exclusion also covers the sale of a parcel of land adjacent to your house, unless it’s used for business.

There are some stipulations, however. The home must be your principal residence, and you (and your spouse, where applicable) must have lived there for at least two of the previous five years. You can only claim the exemption once every two years. If you don’t meet those requirements, you may still claim a partial exemption if the sale was due to a change in your place of employment, necessary for health reasons, or due to other unforeseen circumstances.

Property taxes

You can claim property taxes you pay as an income tax deduction. This applies to both your principal home and any others you may own. Any money held in escrow to pay future taxes, however, is not deductible.

Moving expenses

The government allows you to write off many of your moving costs when you buy a new home if it’s at least 50 miles closer to your job than your old home. To qualify, you must continue to work full-time in the general area of your job for 39 weeks during the following year. If you’re self-employed and work in your home, any move of 50 miles or more will make your moving expenses deductible. However, you must also work full-time near the new location for 78 weeks during the next 24 months.

Of course, because tax rules vary based on income and other factors, be sure to consult an accountant or financial advisor about your particular situation.

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Client Testimonial

Posted on March 24, 2011 by lyleandgrace

March 3, 2011

Dear Lyle & Grace,

I wanted to write to you and let you know how grateful I am for all your help with the Real Estate portion

of the Trust. When Gary passed away in September, 2008, I was overwhelmed by all the tasks and work that

was just placed on my shoulders. I worked for Mr. Wyma for 31 years and yet this was all new to me.

Suddenly, the 20 properties I had been managing for years now needed to be sold. Then there you were,

ready to help me out and walk me through all the things I needed to do to get started. Having known you

when Gary was alive and you assisting him in buying and selling properties in the area and then to find out you

had worked with trusts in the past was a great comfort to me. I don’t know how I would be this far along

if not for all your help. Having prepared & sold nineteen (19) of the properties so far with just one (1) to go

is something I thought would never happen , but you never gave up on me, and for that I thank you.

Since I live in Pasadena and had 17 houses to sell in the San Diego, you were always available to help me

out by meeting contractors & workers, inspectors and buyers when I couldn’t be there. I know you have gone

above & beyond for me, and I will never be able to thank you enough. With all the problems that arose

during the sales and your steadfastness to see it through was remarkable, even if I couldn’t ,you always had

encouragement and found a solution to get it done. You are the savior of my sanity.

I just wanted to tell you how much you are appreciated and I will never forget your kindness in these matters.

Sincerely,

Deborah Romero

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