Monday, August 21, 2017

Wonderful Home in Tierrasanta Norte



Real Estate Matters with Tim Bro

5497 Camino Playa Malaga

Wonderful Tierrasanta Norte Home.  Cul-de-sac location is extraordinary and this home with an extended driveway backs up to a scenic canyon.  Floorplan is ideal with a bedroom and full bath on the 1st floor.  As you enter the double doors to the home, you will notice the open feel with high ceilings and recently installed plank flooring. Family room with fireplace offers amazing views of the majestic canyon. The interior of the home was painted in August and is fresh and waiting for you to move in.

To get started with your home purchase, call Tim @ 858-354-2354, “The Right Choice in Real Estate”.  BRE #01224576


Friday, August 18, 2017

Fabulous Home - 5497 Camino Playa Malaga




  Extraordinary New Listing in Tierrasanta Norte


To get started with your home purchase, call Tim @ 858-354-2354, “The Right Choice in Real Estate”.  BRE #01224576





Friday, August 4, 2017

Seniors Home Sale Notes


Real Estate Matters with Tim Bro

Seniors Home Sale Notes

When you are ready to retire, your home is one of your most valuable assets. Whether you’re downsizing, buying in a new community or moving in with family, it takes careful planning to get the most out of your most valuable asset.

Seek an Agent with Specialized Knowledge
It is critical to find a real estate agent knowledgeable about the specialized needs of seniors, such as Tim Brodowski, your Seniors Real Estate Specialist. Through experience, specialized training and credentialing programs, Tim is familiar with the seniors’ unique issues of selling their home. He is a specialist that will guide you in making appropriate decisions and refer you to other experts as needed.

Know Your Home’s Value
Having lived in your home for many years, it is natural to be unsure of its current value. Lack of knowledge about current prices could cause you to accept much less for your home than it is worth. To find out the current price for your home, contact Tim to review a market analysis.
                                               
Needed Guidance
Tim will guide you thru the maze of disclosures, issues, and potential pitfalls, with selling your home and make it a smooth process for you.


To get started with your home sale or purchase, call Tim @ 858-354-2354, “The Seniors Choice for Real Estate”.

When Real Estate Matters, contact Tim.  BRE #01224576


www.youtube.com/c/TimBroHomesUS


www.TimBroHomes.US

Tuesday, August 1, 2017

Differences among Mortgage Brokers and Mortgage Bankers


Real Estate Matters with Tim Bro

Differences among Mortgage Brokers and Mortgage Bankers

A mortgage banker is the lender, whereas a mortgage broker represents several lending institutions and serves as a liaison between the lender and borrower. Here are some of the benefits of working with each.

Mortgage Brokers …

The National Association of Mortgage Brokers defines a mortgage broker as an “independent real estate financing professional who specializes in the origination of residential and/or commercial mortgages.”

Brokers work individually with borrowers, collecting information, documentation, and verification to process the loan application. Once the loan package has been prepared and conditionally approved. The broker matches his client with a lender. He walks the paperwork through final approval, escrow deposits, and loan funding.

Broker’s fees are typically paid by the financial institution for the broker doing the loan generation, paperwork, and bringing the business to the financial institution.

Mortgage Bankers …

As defined by the Mortgage Bankers Association of America, a mortgage banker is an “individual, firm, or corporation that originates, sells, and/or services loans secured by mortgages on real property.”

Mortgage bankers are direct lenders. Working with them eliminates the middleman. They may use automated underwriting systems, so working with a banker may prove more expeditious. Mortgage bankers maintain competitive rates.

To get started with your home sale or purchase, call Tim @ 858-354-2354, “The Right Choice in Real Estate”.  BRE #01224576