Frequently Asked Questions

Home Buyer FAQs

Should I buy a home??

Buying a home is typically the largest purchase that the average person will make in his or her life! Owning a home will provide you a place to live, and in addition, will potentially allow you equity growth in your investment. Renting may make more sense for an individual or family who moves frequently b/c of job changes or other factors. If you do not see yourself staying in your home for several years, the potential equity grown over the first few years will be lost through selling costs and commissions.

How do I present an offer?

As your agent, I will bring you the best evaluation of what the value of the home is, based on what the other properties that have sold for in that immediate neighborhood. However, it is ultimately up to you to decide what you wish to offer for the home. In the offer contract, I will explain the details of the offering price, the deposit, the contingencies, and any other special conditions we choose to write into the offer.

Can I afford to buy a home?

There are several loan programs out there; typically a buyer should have enough savings to cover a down payment of 3.5%, 5% or even up to 20% of the purchase price. Before you begin to look for a home, I strongly encourage each of my buyers to speak with a respected lender to determine the loan they can afford – and in return see if that budget matches what they want in their new home.

How do I know the true condition of the home?

Once we have an accepted offer on a home that meets your search criteria – we will hire a qualified inspector to evaluate the home. They will inspect the electrical, plumbing and structural integrity of the property; giving us one more opportunity to re-negotiate any necessary repairs with the seller. All buyers should remember that every home will require maintenance and sometimes unforeseen repairs. Plan this into your budget as a homeowner.

How should I select an agent?

Interview the agent you wish to work with. Determine their level of experience in the area you are looking to purchase. Ensure that the agent is licensed by the California Bureau of Real Estate and that they have no disciplinary actions that may be important to you in selecting your agent. Ask for references!! Past clients will always be your best insight into who the agent really is and how they operate!

What is close of escrow?

A real estate transaction involves many steps, multiple parties and a ton of documents. If you have an agent with experience and top of the line communication skills, the process will run smoothly. Be sure to do your homework, understand the importance in who you are hiring and trust that they will guide you through the process to a successful close of escrow.

Home Seller FAQs

How long have you been in business?

I began my real estate career in 2000. I started with a mortgage company as a telemarketer. It is then, while on the phone for hours a day, that I picked up my skills in communication. I was quickly promoted to Senior Loan Officer – I helped homeowners refinance their current mortgages and I worked with buyers to obtain their purchase loans. In about 2006 I decided to make a shift over to the real estate sales side- leaving behind loans and just focusing on representing buyers and sellers. In addition to the years of experience, I bring to the table, I have a wide range of success stories with buyers and sellers with different needs. First-time buyers, Move-up buyers, Relocation sellers, Trust sales, Short sales, FHA, VA, Cash rehabs, and even a Deed-in-lieu.

Is staging my home important?

On average, a home does sell faster when staged than a home that's vacant. It works because it gives buyers a vision of what living in the home can look like.

What should I do before putting my home on the market?

First of all, there is NO need to panic. Many people think you have to completely clear everything out and totally remodel your home – which ultimately leaves you feeling too stressed out and prevents you from putting the home on the market. In most cases, there is no need to do much at all. Invite me over!! Show me your home and I will gladly give you some minor suggestions. More importantly, I will show you the current sales prospects and how your home value is determined. Many sellers will be pleased to know they don't have to do much to compete with the sales comparables and can obtain fair market value for their home in an "As Is" condition.

Should I be present when potential buyers view my home?

I always ask my sellers to either step outside while buyers tour or go for a slow walk around the block. Having the owner in the house makes every buyer uncomfortable. Buyers feel like they cannot make comments or ask questions as they don't want to offend the owner. Being present can actually lose offers. Give them some space to tour and trust the process.

How much is my home worth?

We will start by analyzing the prices of similar-sized homes that have sold in your area – this data will be based on neighborhood, similar size, and condition of your home. We will then discuss a number that feels right to you but is realistic. In my opinion, it is all about strategic pricing! If we price your home too high, the home will likely linger on the market much longer than a home that was priced a tad lower and has received multiple bids.

How much does it cost to sell my home?

Commissions are typically 6% of the home's sales price. The commission is shared with the buyer's agent. Agents will spend hours working on a client's behalf, networking for buyers, filling out paperwork, and facilitating showing appointments. Both listing agents and buyers agents are not paid by the hour or by the appointment like some professionals (i.e. doctors or attorneys) Agents only get paid unless they make the sale. If you get someone who's charging less, are you getting reduced services for reduced commission?

Relocation FAQs

What services does Celest'e offer relocation clients?

Celest'e provides comprehensive relocation assistance, including finding the perfect home, navigating the local market, and ensuring a smooth transaction process. She works closely with clients to understand their needs and preferences, ensuring they find their ideal home in San Diego.

Are there any programs for first-time home buyers in San Diego?

Yes, San Diego offers several programs for first-time homebuyers, such as the San Diego Housing Commission's deferred-payment loans and homeownership grants. Celest'e can guide you through these options and help determine if you qualify for any assistance programs.

How does Celest'e help clients still living elsewhere?

Celest'e understands the challenges of buying a home remotely. She offers meticulous attention to detail, ensuring that all aspects of the home-buying process are handled professionally. This includes virtual home tours, market updates, and coordinating with local professionals to make the process as seamless as possible.

How does Celest'e stay updated on the San Diego real estate market?

Celest'e has over twenty years of experience in the San Diego real estate market. She continuously updates her knowledge of market trends, ensuring that her clients receive the most current and relevant information to make informed decisions.

What kind of support can I expect during the home-buying process?

Celest'e provides ongoing support throughout the entire home-buying process. This includes crafting offers, negotiating terms, conducting home inspections, and facilitating communication with lenders and other parties involved in the transaction.

What kind of testimonials & reviews can I expect from Celest'e's past clients?

Celest'e has a reputation for providing exceptional customer service and attention to detail. Past clients have praised her dedication, problem-solving skills, and ability to navigate complex transactions smoothly. You can expect personalized service tailored to your needs, ensuring a positive and successful home-buying experience.

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"Celeste was tireless in her efforts and got our condo sold in a buyers market with relative ease and very quickly! She was consummate in her professionalism and we recommend her to anybody looking for real estate expertise in San Diego."

★★★★★