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Francine Di Palma
Francine Di Palma
Senior Sales Associate

Berkeley Pacific Union
1625 Shattuck Ave.,
Berkeley, CA 94709
Francine Di Palma, CRS, SRES, E-Pro
Direct Line: 510-982-4421
Cell: 510-541-2427

The Home Buying Process
What To Expect When You Are Buying A Home

  • Your Realtor, You, and a Working Relationship
    I am a full time, professional Realtor with extensive market knowledge. We will work closely together to find the right home for you.
  • Evaluate Your Needs and Your Resources
    We will meet to discuss your specific needs in a home and establish a set of criteria about the features that are most important to you.
  • Loan Consultation
    I will provide you with the names of several lenders with whom you can discuss various financing options and who will provide you with a preapproval letter.
  • Market Education, View Properties, Select a Property
    I will research available properties and show you homes based on the criteria that you established.
  • Structure An Offer
    Once you have found the home you wish to purchase, I will do all the necessary research to help you structure an effective offer. I will draft the purchase agreement for you, advise you on protective contingencies, customary local practices and local regulations. Although I will give advice and information, it is your decision as to the exact price and terms that you wish to offer.
  • Present Your Offer
    I will present your offer to the seller and the seller's agent. The seller has three options - to accept, reject, or counter. I will represent you in the best possible way.
  • Respond to the Seller
    If the seller counters your offer, we will review this with the option to accept, reject, or counter the counteroffer. By negotiation we will reach a satisfactory agreement.
  • Open Escrow
    When the Purchase Agreement is accepted and signed by all parties, I will open escrow and your earnest money (deposit) will be turned over to the escrow company. The escrow or title company is a neutral third party that receives, holds, and distributes all funds associated with your transaction.
  • Remove Contingencies
    Contingencies allow you legal opportunities to withdraw from the contract within a specific time frame and to receive your deposit back. Examples of contingencies are:
    • Approval of the seller's transfer disclosure statement
    • Approval of the preliminary title report
    • Loan approval, including an appraisal of the property
    • Physical inspection of the property
    • Pest inspection
    • Obtaining homeowner's insurance
    Prior to closing, all contingencies of the Purchase Agreement must be met. I will coordinate the removal of these contingencies and review all documents with you.
  • Close Escrow
    When all the conditions of the Purchase Agreement have been met, you sign your loan documents and closing papers. You will deposit the balance of your down payment and closing costs to escrow, and your lender will deposit the balance of the purchase price. The deed will then be recorded at the County Recorder's office and you will take ownership of your home.

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Francine Di Palma, CRS, SRES, E-Pro
Direct Line: 510-982-4421
Cell: 510-541-2427

Featured Listings | Search For A Home in the East Bay
Buying in the East Bay? | Selling in the East Bay?
Mortgage Calculator | East Bay Communities
Real Estate Articles | About Francine | What My Clients Say
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