Chico Buyers
Congratulations to Dre and Allee!
September 3rd, 2018 categories: Chico Buyers
The BEST part of my day?
Handing over keys to happy new homeowners, of course!
Congratulations Allee and Dre! Thank you for the privilege of assisting you.
Wishing you many happy memories in your classic Chico home!
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Congratulations, Sarah and Greyson!
September 13th, 2014 categories: Chico Buyers
The BEST part of our day? Handing over keys to happy new homeowners, of course!
Congratulations, Sarah and Greyson. Thank you for the privilege of assisting you.
Wishing you many happy memories in your gorgeous new home!
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Congrats to First Time Home Owner Lindsey!
June 10th, 2014 categories: Chico Buyers, Chico CA Real Estate News
We LOVE this part of our job…. handing the keys over to an excited new home owner! First time buyers are such a privilege to assist!
Lindsey, CONGRATULATIONS on your new home! What an exciting step for you! We wish you many, many years of happy memories. Tara and the whole team enjoyed assisting you!
The Sandi Bauman Team, Chico Homes
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Congrats on your new Magalia home Eric and Michelle
June 1st, 2014 categories: Chico Buyers, Chico CA Real Estate News
Ginny and the whole team is SO EXCITED for your beautiful family!
Your escrow was sure an eventful ride. Thankfully, all parties hung on, and we have arrived at this precious moment!
Here’s to many wonderful years in your new home.
If you are a buyer ready to purchase, we would love to see your photo here next! Call us to get started. 530-864-5407.
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Congratulations on Your New Durham Home
May 17th, 2014 categories: Chico Buyers, Chico CA Real Estate News
Congrats to first time buyers Ben and Jemie on your new Durham home!
We are so excited for you!
Buyer Specialist Ginny had a wonderful time assisting you with your purchase.
All of us here at The Sandi Bauman Team hope your family enjoys many happy years building memories!
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6 Essential Tips for Home Buyers in Chico
April 27th, 2014 categories: Chico Buyers, Chico CA Real Estate News
Get a Home Inspection
91.4 percent of agents say this is a very important tip.
0.54 percent of agents don’t recommend this tip.
The tip: Get a home inspection to evaluate the safety and overall condition of your new home, even if it appears flawless.
Get Preapproved for a Loan
89.0 percent of agents say this is a very important tip.
0.78 percent of agents don’t recommend this tip.
The tip: Before you start house hunting, get preapproved for a mortgage loan.
Communicate Through Your Agent
89.0 percent of agents say this is a very important tip.
0.27 percent of agents don’t recommend this tip.
The tip: When you want to ask or tell the seller something, always go through your real estate agent.
Put the Deal Into Writing
87.5 percent of agents say this is a very important tip.
0.83 percent of agents don’t recommend this tip.
The tip: Get the seller to put every component of the deal and any verbal agreement into writing.
Include Contingencies With Offer
83.0 percent of agents say this is a very important tip.
0.78 percent of agents don’t recommend this tip.
The tip: Include important contingencies, such as financing and property inspections, with your offer.
Develop a Wish List
82.4 percent of agents say this is a very important tip.
0.27 percent of agents don’t recommend this tip.
The tip: Come up with a realistic wish list. Find out what you can afford in terms of house size, neighborhood and amenities.
Know Your Local Market
75.6 percent of agents say this is a very important tip.
1.7 percent of agents don’t recommend this tip.
The tip: Know as much about the local market as you can. Use your agent’s CMA to learn about the selling price of comparable homes and the strength of the local real estate market.
Prioritize!
68.5 percent of agents say this is a very important tip.
1.11 percent of agents don’t recommend this tip.
The tip: Decide what’s most important to you before the negotiation so you know what parts of your offer you’re most comfortable giving up.
Look Into Government Programs
57.7 of agents say this is a very important tip.
1.36 percent of agents don’t recommend this tip.
The tip: Look into programs for first-time homebuyers. See if you qualify for the lower interest rates, low down payment options and down payment assistance programs some banks and governmental organizations offer first-time homebuyers.
Research Real Estate Agents
54.7 percent of agents say this is a very important tip.
7.61 percent of agents don’t recommend this tip.
The tip: Don’t just work with the first real estate agent you come across! Do your homework and find one you’re comfortable with.
Keep Other Houses in Mind
43.9 percent of agents say this is a very important tip.
5.8 percent of agents don’t recommend this tip.
The tip: When you begin negotiating on a specific property, know of other houses you’d be interested in buying. You don’t want to be so desperate to buy a certain house that you give in to whatever the seller wants.
Be Smart With Your Contingencies
40.6 percent of agents say this is a very important tip.
9 percent of agents don’t recommend this tip.
The tip: Avoid including unnecessary contingencies in your offer. Doing so will make it less attractive.
Keep Negotiations Short
39.8 percent of agents say this is a very important tip.
4.8 percent of agents don’t recommend this tip.
The tip: Avoid long, drawn-out negotiations, which can negatively affect the chances of your offer being accepted.
Shop around for Mortgages
37.9 percent of agents say this is a very important tip.
4.7 percent of agents don’t recommend this tip.
The tip: Shop around for at least several mortgage quotes before choosing one.
Ask for More Than You Want
32.1 percent of agents say this is a very important tip.
10.1 percent of agents don’t recommend this tip.
The tip: Ask for more than you want during negotiations, without asking too much. You can “give in” to the seller without actually giving up the things you want!
Scope out Neighborhoods, Neighbors
31.9 percent of agents say this is a very important tip.
7.1 percent of agents don’t recommend this tip.
The tip: Talk to neighbors to get the inside scoop on what it’s like to live in the neighborhoods of homes you are interested in. While doing so, gauge if you would like to live next to these people for the foreseeable future. Bad neighbors can affect your property’s value.
Connect With the Sellers
24.9 percent of agents say this is a very important tip.
27.5 percent of agents don’t recommend this tip.
The tip: Establish a connection with the sellers. You may be able to get a better deal if the sellers see you as a person, not just an opportunity.
Ready to shop for a new home in Chico, Paradise, Magalia, Forest Ranch, Durham, Oroville, Orland or Willows?
Call The Sandi Bauman Team! 530-864-5407
Last year we helped more than 80 BUYERS close escrow on a new home. We would love to help you next!
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Congratulations on your new Chico home!
November 10th, 2013 categories: Chico Buyers, Uncategorized
A quick shout out to Katie and Doug.
Congratulations on your new Chico home!!
Buyer specialist Tara snapped this pic of your smiling faces… we’re so happy she did. We LOVE to share that moment of celebration!
Thank you for allowing The Sandi Bauman Team! at Chico Homes to assist you in your purchase!
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Happy Clients, Happy Team.
August 24th, 2013 categories: Chico Buyers, Chico CA Real Estate News
This letter was waiting for me this morning. It came from a buyer who just closed escrow on her new home.
I am once again reminded how fortunate I am to work with such an amazing, strong group of women. Our buyer specialists and staff are tireless, strong advocates for our clients. It is a privilege to be a part of their Team! Thanks for the exceptional work, ladies.
“Hi Sandi,
It is no surprise that you are the top selling agent for the past year! You have a great team! Tammy and Nicole were so incredibly helpful in seeing me through this sometimes crazy and frequently harrowing loan and purchase. Honestly, I thought it was never going to end with some of the mishaps with the loan company! Tammy was a real pro in every way! She meticulously documented everything! She is very smart that way! Nicole stayed on top of things and the two work so well as a team! Liz diligently sent me clean digital copies of all the documents I needed, which was quite a large number and all the ladies in the office were fabulous, friendly and reassuring!!!
You have a lot to be proud of!!! I have been searching for a year and a half in areas all over Northern California and I spoke with many agents. Tammy and Nicole are by far the most hard-working and consistently POSITIVE!!! What a great asset speaking from the aspect of the bewildered buyer. It took Tammy a very short time to zero in and find what I wanted! I was in a very difficult market with the amount I had to spend (under $100,000)! Yet, I feel that Tammy worked hard and treated me with the same understanding and respect that she would treat the wealthiest of home buyers! Her constant cheerful outlook was so reassuring to me throughout this entire process!!! And as for Nicole, well…. “the apple doesn’t fall far from the tree”! She was great!
Please share this information with all those who had a part in the purchase of my home! I don’t want to leave anybody out. You guys are certainly the real deal when it comes to being a team! I never saw anything but an extremely competent, highly professional, well oiled machine as far as the teamwork is concerned. All of that was delicately balanced with a warm interest in me as a customer!!!
Thanks for a truly wonderful experience! I will be sharing with others my experience with the Sandi Bauman Team for a very long time to come!
Best Wishes to the Whole Team!!!
Sincerely,
Carolyn Murray”
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Are Loans Really Harder to Get Now Than They Were 5 Years Ago?
October 20th, 2012 categories: Chico Buyers, Chico Financing
by Justin Bowman, Summit Funding
When I tell someone what I do for a living I usually get a response like, “Wow isn’t it impossible to get a loan right now?” To that I would say with certainty, “Absolutely not!”
There is a perception that because the market is doing so poorly, that funds are harder to obtain. The truth is, there are a multitude of available programs on the market for all types of borrowers. Such products range from the traditional conventional loans, requiring 3% down to other unique products that require as little as .5% for the entire transaction!
A great effort has been made by the government to subsidize commodities in efforts to stabilize the economy and offer opportunities to potential homebuyers who, on their own, could not afford the luxury of owning a home. They are helping make it possible to live the “American dream” and become home owners.
Additionally, there is a new sensitivity among borrowers that there is an unjustified amount of paperwork needed for loan approval. An environment of full documentation has over taken the once popular, and very detrimental, low and no documentation loans within the last few years. It is hard for people to come to terms with the new way (or really, the old way) of qualifying. What must be understood is that the era of minimal required documentation is over. We can no longer take the risks that led to this financial uncertainty. Even though we are now steering away from the “we will take your word for it” mentality, it makes for a much healthier economy knowing that the house that is being purchased has a much smaller risk of defaulting.
All this said, I am doing more low-down payment loans now than I did before the market fell. With outstanding products available such as conventional loans with 3% down, FHA & CHF programs with less than 1% down , Home Path loans with 3% down and no mortgage insurance. Eligibility is considered even with credit scores as low as 580 and debt to income ratios as high as 55%!
In today’s market, borrowers need a realistic outlook on how much they can actually afford and provide the necessary documentation to prove they actually can. Happy House Hunting!
Justin Bowman
Sales Manager/ Mortgage Advisor
NMLS# 219579
Office 530.267.6264
Fax 530.267.6286
Website www.summitfunding.net
Email [email protected]
Ready to begin searching for that perfect Chico home, but haven’t yet partnered with a Realtor? The Sandi Bauman Team! at Chico Homes would consider it a pleasure and a privilege to assist you with the process. Our dynamic team of buyer specialists will offer you highly personalized and professional service every step of the way. Call Sandi 530-864-5407 or email [email protected] to get started!
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Top Ten Legal Mistakes Buyers Make When Purchasing Chico Real Estate
August 29th, 2012 categories: Chico Buyers
Ready to begin searching for that perfect Chico home, but haven’t yet partnered with a Realtor? The Sandi Bauman Team! at Chico Homes would consider it a pleasure and a privilege to assist you with the process. Our dynamic team of buyer specialists will offer you highly personalized and professional service every step of the way. Call Sandi 530-864-5407 or email [email protected] to get started!
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