Understanding and Assessing Your Needs

As you begin your search for the unique individual property of your dreams, so must its companion utilize a unique approach. Anderson+Boatcher focus on matching your needs with a particular lifestyle, and the real estate that fits that lifestyle second. While price, location and quality are all relevant, it is most important that we understand you and your family on a personal level, your needs, hopes and dreams, as well as your definition of value. We will be your future neighbors, our children may attend the same schools or we may serve on community boards or socialize together.

We do not begin by asking what square footage, price point or location you seek, but rather: If you could describe your ideal home, what does it look like? Feels like? How does it fit into your lifestyle?

Financial Assessment: Cash or Financing

Before we begin searching for your future dream property, it will be very important to determine what are the best financial options and budget for your purchase; Do you finance or pay cash? Anderson+Boatcher have numerous trusting relationships that can assist in determining which of these options are the best fit for your and your goals. Whether you are interested in capital preservation, a Jumbo loan or analyzing the benefits of paying cash versus financing, our team of seasoned professionals are here to assist you in successfully navigating today’s complex and ever changing financing and qualification process.

Identifying Suitable Properties and Showings

Once we have a full understanding of your goals, we can better apply our professional market insight into the various communities of coastal San Diego. Resulting, in a more refined, focused identification of the right opportunities and value for you. We understand that your time is precious, so our goal is to simplify this process while making it as enjoyable, efficient, and personalized as possible.

Understanding Who’s Selling

In today’s market, it is somewhat difficult for buyers to determine who is really selling the property and who will I be negotiating with when making an offer? Ultimately, there are three primary types of sellers selling properties; Conventional, Short Sale and REO. At Anderson+Boatcher, we have decades of experience in complex markets while negotiating over $3BB in purchases. We will successfully assist you in navigating the “who”, and motivations of each seller.

Market Analysis

At Anderson+Boatcher, we pride ourselves on having a diverse and fundamental understanding of value in today’s market. We believe that “Value” is not just found in price but also in the intrinsic assets an individual property offers that can influence long term market value and lifestyle. Prior to making any offers, we conduct comprehensive market assessments, designed to assist you in understanding the present value of an individual property. These assessments will help in determining what price to begin at, when making an offer, and ultimately what the peak value one should pay for a given property. Our goal is not to just sell you a property but to help you negotiate the best value possible while achieving the lifestyle and goals you desire. This is our Mark of Excellence.

Making an Offer

Once we have fully assessed your options and you are prepared to make an offer, our team will tailor all of the paperwork necessary and assist you in understanding all of the various disclosures and documents required making a successful offer. Upon execution, we will deliver your offer to the seller along with our full market and value assessment summary. This will help the seller understand the logic behind our terms and sets the expectation any response to the offer needs to be well thought-out and justifiable.

Offer Acceptance, Escrow and Title Settlement

After the successful negotiation of your purchase, our team will develop a specific timeline that will assist in managing every detail of the transaction through closing. Our team will facilitate opening escrow and title, ordering inspections, and communicating with your lender if financing is involved. Our proactive approach has proven successful in thousands of purchases and will help ensure you have a smooth and enjoyable experience.

Property Inspections

Whether you are purchasing a single family home, investment property or custom homesite, it is extremely important that you understand what inspections may be needed to assess the quality and condition of the property you are purchasing. Over the years our team has developed trusting relationships with the industries top licensed and certified inspectors who are committed to providing our clients comprehensive inspections and detailed reports.

Home Warranties

Regardless of the age of the home you are purchasing, it is important to understand the benefits and available options for purchasing a home warranty. Our team can help you understand and assess the benefits and policies available for the property you are purchasing. This cost of the home warranty can be paid by either the buyer or the seller, and can provide additional protection of certain systems and appliances in the home. Most policies cover repairs or replacement of some major or minor items and features of a home.

Mella Roos

A Mello-Roos District is an area where a special tax is imposed on those real property owners within a Community Facilities District. This district has chosen to seek public financing through the sale of bonds for the purpose of financing certain public improvements and services. These services may include streets, water, sewage and drainage, electricity, infrastructure, schools, parks and police protection to newly developing areas. The tax you pay is used to make the payments of principal and interest on the bonds.

Supplemental Property Taxes

Supplemental property taxes have been utilized since 1983. California state law was enacted to require the assessor to appraise property on the date a change in ownership occurs or new construction is completed. Taxes are computed from the 1st of the month following the change to the end of the fiscal year. In most cases, this assessment results in one or possibly two supplemental tax bills being sent to the property owner in addition to the regular secured property tax bill mailed annually.

Home Owners Insurance

Whether you are financing or paying cash for your property, it is extremely important to understand the requirements and coverage options for homeowners insurance, prior to closing escrow. Depending on the coverage, policies can protect both your investment as well as the lender from unforeseeable events and covers most home casualties, liabilities and personal property.

Closing Escrow

As you near the end of your purchase, our team will assist in coordinating the review and execution of the necessary paperwork needed by the escrow and title companies as well as your lender to finalize closing. Once all of the paperwork has been fully executed by both the buyer and seller, the escrow company will ensure the appropriate documentation is delivered to the County Recorders Office to procure the property transfer and closing.

Move-In

When the time arrives for you to begin the moving process, our team can assist you with all of these details as well. Whether you are in need of a comprehensive list of vendors and service providers or a moving checklist, we are prepared to make the process as smooth and enjoyable as possible!