Friday, February 24, 2017

Buying Notes - Interest Rates



Since November, the bond markets (which influence mortgage pricing) have tried to adjust to where the future administration’s fiscal policies are headed. In anticipation of increased inflation interest rates and other measures of the economy the Federal Reserve adjusts monetary policy. When you hear in the news that the Fed raises rates, the reference is most often to the Federal Funds rate. While the Fed funds rate is not a rate the consumer would pay directly for mortgage, the ripple effect of the increase can be felt in mortgage pricing. The Fed has suggested that they could raise rates another .75% in 2017.  So what does that mean to buyers? Loss in purchasing power. If you are considering buying, call Tim Brodowski at 858-354-2354 to get approved TODAY! Let Tim help make your home purchase happen.  BRE #01224576


Thursday, February 23, 2017

Find Your Ideal Home With My Help


Every transition is an opportunity, regardless of your stage in life.
With the right preparation, a new home can provide the fresh start and continual enjoyment you’ve been working toward.

By partnering with a SRES® like me during your new home search, you’ll gain the help and expertise of a REALTOR®  specialized in meeting the needs of home buyers and sellers 50 plus.

I have both the education and real estate experience to serve as your trusted advisor through the unique financial and lifestyle transitions involved in relocating and selling your family home.

I’m pleased to be your SRES®.


For help with finding your ideal home, call Tim Brodowski at 858-354-2354. BRE #01224576


Tuesday, February 14, 2017

3015 Mission Village Drive


Tim Bro is the Best!

My husband and I found him through a recommendation from a good friend of ours. We felt so lucky to have him on our side. We have an infant, so we really appreciated how EASY Tim made the daunting process of selling a home! And quick - within 10 days of listing we received five offers and sold the house for $16k above asking price ($80k above what we bought it for less than 2 years prior)! We couldn't have been happier with his professionalism and experience. We highly recommend Tim whether you are buying, selling or just want to grab a drink and some good Mexican food! Thanks for everything!

-Annie & Mike

For help on buying or selling your next dream home, call Tim Brodowski at
858-354-2354BRE #01224576



Friday, February 10, 2017

Funding and Recording: The Closing Process



The home buying process is full of paperwork and checklists, with a flurry of activity near the end of it. Buyers everywhere celebrate ‘closing’ as the last step before they receive the keys and prepare to move into their new home. California defines ‘closing’ not the date when borrowers sign the loan documents, but as the date and time the deed is recorded.

At least three business days after the Closing Disclosure has been delivered, the loan documents are ready to be signed. But the ‘close of escrow’ does not actually occur until after the completion of three very separate steps:

·         Loan signing – The date when all the loan documents are signed and notarized.
·         Loan funding – When the lender releases funds to title/escrow.
·         Recording – This is the date – the true ‘closing of escrow’ – when the deed and any other associated recordable documents are recorded at the County Recorder’s office.

Only after escrow receives confirmation from the title company that these documents have been recorded, does the escrow officer issue net proceeds, after all charges and prorations, to the appropriate parties.

The moment the Grant Deed is time-stamped by the County Clerk is the moment that ownership of the property changes hands – and no real estate transaction is ‘closed’ until that deed has been recorded.

But the steps to getting there can be complex. Having a seasoned realtor like Tim Brodowski at your side can help make it manageable and seamless. Call Tim at 858-354-2354 for more information about buying or selling your home.  BRE #01224576


Tuesday, February 7, 2017

Coldwell Banker Concierge




Dedicated to Finding Skilled Professionals

Transitioning into your residence, fixing up your new home or getting a property ready to sell can be a daunting task. Since 1996, Coldwell Banker Residential Brokerage Concierge® has provided a complimentary one-stop solution for finding a variety of quality home service professionals in Southern California and Arizona. As the most established in-house program, Coldwell Banker Concierge provides you instant access to an exclusive group of vetted service professionals.

  • No registration or fees required
  • Easy search feature
  • Mobile friendly
  • 'Click to Dial' vendors
  • Over 150 types of service categories
  • Competitive pricing from vendors
  • Exclusive vendor discounts & promotions
  • Helpful home tips and articles


Connecting You with the Most Qualified Professionals

Service providers are pre-screened to ensure they are insured, experienced, and licensed appropriately for the type of work they are offering. All vendors have also signed performance agreements and have been given quality assurance guidelines to ensure they maintain the highest standard of ethics and professionalism.

Rest assured that you are in good hands as Coldwell Banker Residential Brokerage relies heavily on customer references and online reviews. Many of the companies in the program have worked with Coldwell Banker® for years and come highly recommended by independent agents and past clients.

For help getting started, call Tim Bro at 858-354-2354BRE #01224576




Thursday, February 2, 2017

Just Sold Another Beautiful Home!


Dolores had decided it was time to downsize and move closer to her children. Once she had made the decision, she then called Tim to find out the best way to make this happen. After several meaningful conversations, Tim drafted a plan that met with all of Dolores’ wants and needs. The stage was set. The marketing strategy was set into motion. Tim assisted Dolores with interpreting and completing all the tedious disclosures. Within a very short timeframe, the offers began to come in. After some fun negotiations an offer was accepted and escrow was opened. 45 days later Dolores had her check and was on her way. He made it easy and profitable for Dolores, and he will do the same for you.  If you or a family member is thinking of selling, start with a call to Tim at    
858-354-2354.  BRE #01224576