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BUY A HOME

PERSONAL

ATTENTION

Buying a home is probably one of the most expensive purchases you’ll make in your lifetime. Having a Realtor® you feel comfortable with by your side, from the start of your home search to closing day, will make the process so much easier. When you choose me as your Buyer Broker, my sole purpose is to look out for your best interest. Instead of hearing what you want in a house,  I will listen to what you need in order to make a house your home. Making your dream a reality is what I do.

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FIND YOUR HAPPY PLACE

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Connecting with thousands of real estate practitioners around the globe affords us lots of off-market opportunities. There is no fee to become and insider. Just use the form to the right and sign up. 

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MARKETING TRENDS

& REPORTS

The real estate market can quickly change, as evidenced over the past few years. Home values, inventory, mortgage rates, and other factors all have an effect. I will help explain the current market and how it affects you as a customer as you search for a property. To see monthly Real Estate Market reports for Solano or Napa County, Click The Button Below

BUYER RESOURCES

DECIDING TO BUY

Purchasing a property is most likely the biggest financial decision you will ever make. Whether this is your first purchase or you are an experienced buyer, this decision must be made carefully.

Why Do You Want To Buy?

Are you tired of paying rent? Have you decided to pay your own mortgage and not your landlord’s? Have you outgrown your current home? Are you looking for an investment portfolio? Are you looking for a rental property? Would you like a larger yard? Would you rather live in a different area? Do you want to shorten your commute? Having a clear sense of your reasons for buying will help you choose the right property.

Has Your Income Grown?

Property ownership is an excellent investment; whether you are looking for your dream home, a rental property, or to expand your investment portfolio. Owning real estate is one of the least risky ways to build equity or to obtain a greater return on your initial investment.

 

PREPARING TO BUY

Before you start shopping for your property, it is a good idea to make some preparations.

Build Your Green File.

A green file contains all your important financial documents. You will need it to secure financing for your property. The typical green file should contain:

  • Financial statements
  • Bank accounts
  • Investments
  • Credit cards
  • Auto loans
  • Recent pay stubs
  • Tax returns for two years
  • Copies of leases for investment properties
  • 401K statements, life insurance, stocks, bonds, and mutual account information.

Check Your Credit Rating.

Your credit score will have a huge impact on what type of property you can buy, and at what price. It is first recommended to check your credit rating with an experienced lending institution so that we can determine what you can afford. The lender will research your credit ratings from the three credit reporting agencies Equifax, Experian and Trans Union. We will be happy to recommend experienced, knowledgeable lenders in the residential, construction, and commercial and investment real estate fields.

Be Careful With Your Finances.

Now is not a good time to make sudden career changes or large purchases. You want to approach your property purchase from a position of financial stability.

PREPARING TO BUY(800 × 1200 px)

CHOOSE A REAL ESTATE AGENT

Buying a property requires making many important financial decisions, understanding complex issues and completing a lot of paperwork. It helps to have an expert in your corner when undertaking such a large purchase. We can guide you through this process, and also provide you with access to property listings before they hit the general market.

Here are some factors to consider when choosing your real estate professional:

  • Look for a full-time agent – one who has experience completing transactions similar to yours.
  • Interview a few agents: Are they familiar with the area in which you are interested?
  • Ask how much time the agent will have for you, and if they are available at night and on weekends.
  • Ask about their credentials and education: A good agent will continually strive to improve and gain knowledge of the latest real estate trends and hold the highest designations in their respective fields of expertise.
  • Does the agent return your calls promptly? Time is money when attempting to buy a property.
  • Ask for a list of properties they have sold or a list of references.
  • Choose an agent who listens attentively to your needs and concerns. Pick an agent, with whom you feel comfortable.
Choosing an agent robin jaurique

TIME TO GO SHOPPING

Once those preparations are out of the way, it is time to find the right property for you.

Take a Drive.

Get to know the neighborhoods, complexes, or subdivisions, which interest you. Drive around and get a feel for what it would be like to own a property in the area. Start getting a sense of the properties available in those areas.

Narrow Your Search.

Select a few properties that interest you the most and have your real estate agent make appointments to visit them. Ask your real estate agent about the potential long term resale value of the properties you are considering.

Time to Buy.

Once you have picked out the property you want to purchase, your real estate agent can help you make an offer that the seller will accept. A good agent will investigate the potential costs and expenses associated with the new property. An agent can also help you draft your offer in a way that gives you the advantage over another offer.

Couple buying a house robin jaurique

ESCROW INSPECTIONS & APPRAISALS

The Process, Step-by-Step

The Initial Agreement and Deposit.

An effective agreement is a legal arrangement between a potential purchaser and the property’s seller.

Some important tips to keep in mind to streamline the process:

  • Keep written records of everything. For the sake of clarity, it will be extremely useful to transcribe all verbal agreements including counter-offers and addendums and to convert them into written agreements to be signed by both parties. We will assist you in drafting all the paperwork for your purchase and make sure that you have copies of everything.
  • Stick to the schedule. Now that you have chosen your offer, you and the seller will be given a timeline to mark every stage in the process of closing the real estate contract. Meeting the requirements on time ensures a smoother flow of negotiations so that each party involved is not in breach of their agreements. During the process we will keep you constantly updated, so you will always be prepared for the next step.
escrow, inspections and appraisals robin jaurique

The Closing Agent.

Either a title company or an attorney will be selected as a closing agent. The closing agent will hold the deposit in escrow and will research the complete recorded history of the property to ensure that the title is free and clear of encumbrances by the date of closing and that all new encumbrances are properly added to the title. Some properties are subject to restrictions which limit various activities such as building or parking restrictions. There may be recorded easements and encroachments, which limit the rights to use your property.

How to Hold Title.

You may wish to consult an attorney or tax advisor on the best way to hold title. Different methods of holding title have different legal, estate and tax implications, especially when selling or upon death of the title holder.

Inspections.

Once your offer is accepted by the seller, you will need to have a licensed property inspector inspect the property within the time frame that was agreed upon in the effective contract to purchase. You may elect to have different inspectors inspect the property, if you wish to obtain professional opinions from inspectors who specialize in a specific area (eg. roof, HVAC, structure). If you are purchasing a commercial property, then you will need to have an environmental audit done on the site for the lending institution. We can recommend several different inspectors.

Depending on the outcome of these inspections, one of two things may happen:

1. Either each milestone is successfully closed and the contingencies will be removed, bringing you one step closer to the close, or

2. The buyer, after reviewing the property and the papers, requests a renegotiation of the terms of contract (usually the price).

Appraisal and Lending.

It is imperative that you keep in close communication with your lender, who will let you know when additional documents are needed to approve your loan application and fund your loan. If the agreement is conditional upon financing, then the property will be appraised by a licensed appraiser to determine the value for the lending institution, via a third party. This is done so that the lending institution can confirm their investment in your property is accurate. Appraisers are specialists in determining the value of properties, based on a combination of square footage measurements, building costs, recent sales of comparable properties, operating income, etc. When you are within two weeks of closing, double check with your lender to be sure the loan will go through smoothly and on time.

Association Approval.

If the property that you are purchasing is conditional upon an association approval, request the rules, regulations, and other important documents from the seller as soon as you have an effective agreement to purchase. Make sure that the application documents and processing fees are submitted to the appropriate person at the association by the required time. Fill out all of the information completely and legibly so there is no delay in processing the application. If you are required to meet with the association for your approval, make an appointment as soon as possible for the interview. Most associations require a certificate of approval before move-in. Your closing agent will request that the original copy of this approval letter be brought to the closing, so that it can be recorded with the deed in the county public records.

Property Insurance.

If you are obtaining a loan, you will be required by your lender to purchase a certain amount of insurance on the property. The value will depend on the lending institution and the purchase price of the property. You may be able to save hundreds of dollars a year on homeowners insurance by shopping around for insurance. You can also save money with these tips.

  • Consider a higher deductible. Increasing your deductible by just a few hundred dollars can make a big difference in your premium.
  • Ask your insurance agent about discounts. You may be able get a lower premium if your home has safety features such as dead-bolt locks, smoke detectors, an alarm system, storm shutters or fire-retardant roofing materials. Persons over 55 years of age or long-term customers may also be offered discounts.
  • Insure your house NOT the land under it. After a disaster, the land is still there. If you do not subtract the value of the land when deciding how much homeowner’s insurance to buy, you will pay more than you should.

We will be happy to recommend experienced knowledgeable insurance agents for every property type.

MOVING IN

Closing Day

If you have come this far, then this means that it is almost time for a congratulations, but not yet. Do not forget to tie up these loose ends:

Final Walk-Through Inspection.

More of a formality than anything else, the final inspection takes place a day before, or the day of the closing. You will visit the property to verify that all is in working order, everything is the same as when you last viewed the property, that there are no extra items left behind, and that everything included in your purchase is still at the property.

Home Services and Utilities.

We will provide a list of useful numbers for the activation of home services and utilities after the closing occurs.

Be Prepared.

We are ready to assist you should an unforeseen glitch pop up, even at this last stage. Something at the property breaks down, or some other minor detail – no need to worry. We have encountered these problems before so we know how to handle them efficiently and in a stress-free manor.

Closing.

The closing agent will furnish all parties involved with a settlement statement, which summarizes and details the financial transactions enacted in the process. You and the seller(s) will sign this statement, as well as the closing agent, certifying its accuracy. If you are obtaining financing, you will have to sign all pertinent documentation required by the lending institution. If you are unable to attend the scheduled closing, arrangements can be made depending on the circumstances and the notice that we receive. If you are bringing funds to the transaction, you can elect to either have the funds wired electronically into the closing agent’s escrow account, or bring a certified bank check to the closing in the amount specified on the settlement statement. The seller should arrange to have all property keys and any other important information for you at the closing so that you may receive these items at this time.

Moving in with robin jaurique (800 × 1200 px)

The Closing Agent.

Either a title company or an attorney will be selected as a closing agent. The closing agent will hold the deposit in escrow and will research the complete recorded history of the property to ensure that the title is free and clear of encumbrances by the date of closing and that all new encumbrances are properly added to the title. Some properties are subject to restrictions which limit various activities such as building or parking restrictions. There may be recorded easements and encroachments, which limit the rights to use your property.

How to Hold Title.

You may wish to consult an attorney or tax advisor on the best way to hold title. Different methods of holding title have different legal, estate and tax implications, especially when selling or upon death of the title holder.

Inspections.

Once your offer is accepted by the seller, you will need to have a licensed property inspector inspect the property within the time frame that was agreed upon in the effective contract to purchase. You may elect to have different inspectors inspect the property, if you wish to obtain professional opinions from inspectors who specialize in a specific area (eg. roof, HVAC, structure). If you are purchasing a commercial property, then you will need to have an environmental audit done on the site for the lending institution. We can recommend several different inspectors.

Depending on the outcome of these inspections, one of two things may happen:

1. Either each milestone is successfully closed and the contingencies will be removed, bringing you one step closer to the close, or

2. The buyer, after reviewing the property and the papers, requests a renegotiation of the terms of contract (usually the price).

Appraisal and Lending.

It is imperative that you keep in close communication with your lender, who will let you know when additional documents are needed to approve your loan application and fund your loan. If the agreement is conditional upon financing, then the property will be appraised by a licensed appraiser to determine the value for the lending institution, via a third party. This is done so that the lending institution can confirm their investment in your property is accurate. Appraisers are specialists in determining the value of properties, based on a combination of square footage measurements, building costs, recent sales of comparable properties, operating income, etc. When you are within two weeks of closing, double check with your lender to be sure the loan will go through smoothly and on time.

Association Approval.

If the property that you are purchasing is conditional upon an association approval, request the rules, regulations, and other important documents from the seller as soon as you have an effective agreement to purchase. Make sure that the application documents and processing fees are submitted to the appropriate person at the association by the required time. Fill out all of the information completely and legibly so there is no delay in processing the application. If you are required to meet with the association for your approval, make an appointment as soon as possible for the interview. Most associations require a certificate of approval before move-in. Your closing agent will request that the original copy of this approval letter be brought to the closing, so that it can be recorded with the deed in the county public records.

Property Insurance.

If you are obtaining a loan, you will be required by your lender to purchase a certain amount of insurance on the property. The value will depend on the lending institution and the purchase price of the property. You may be able to save hundreds of dollars a year on homeowners insurance by shopping around for insurance. You can also save money with these tips.

  • Consider a higher deductible. Increasing your deductible by just a few hundred dollars can make a big difference in your premium.
  • Ask your insurance agent about discounts. You may be able get a lower premium if your home has safety features such as dead-bolt locks, smoke detectors, an alarm system, storm shutters or fire-retardant roofing materials. Persons over 55 years of age or long-term customers may also be offered discounts.
  • Insure your house NOT the land under it. After a disaster, the land is still there. If you do not subtract the value of the land when deciding how much homeowner’s insurance to buy, you will pay more than you should.

We will be happy to recommend experienced knowledgeable insurance agents for every property type.

WHO YOU WORK WITH MATTERS

WHY NAVIGATE REAL ESTATE

OUR

PHILOSOPHY

Better companies make better communities.
We believe our business has a responsibility to serve, connect, grow and protect the communities we operate in.

OUR VALUES

Independence is worth preserving. Our independence matters more than our size. It allows us to prioritize our community involvement and better serve our agents and clients.

Social impact at the center.
Everything we do has a cause and effect. We maintain a responsibility to contribute to every community in which we operate.

Communities over shareholders.
If our business has to grow at the expense of the communities around us, it isn’t worth it. It is important to us to continually invest in building community.

Growth for the sake of bigger impact.
We grow our business to become a stronger, independent network of individuals who benefit as a result of more resources.

Global Connections

Connected to over 460,000 Agents Worldwide in more than 100 countries you can be assured your home will be seen around the world.

Market Share

With over five decades of combined real estate experience, our team of agents and local experts bring an exceptional level of knowledge, teamwork, and diligence to help clients achieve their real estate goals.

$4.0+ Billion

Thousands of properties sold. Over $4.0+ billion in combined volume. You can trust your dealing with experts who will get it done

Happy Campers

Check our reviews. Our client's love us. We put in the work, and always put you first. Trust, integrity, honesty and passion!

If you live here already, you know how blessed we are. If you’re considering living or investing here, you’ve probably experienced some of the area’s extraordinary possibilities: country settings and small-town communities; enthralling agricultural beauty, and true farm to fork lifestyle, If Northern California is your real estate destination, you’ve arrived at the right spot. Whether you’re looking to buy your first home – or to sell an estate – expect nothing less from us than a Meritage blend of real estate expertise, professional service, creativity, and a passion for achieving your goals. 

Explore Our World Class Global Marketing

Alicia Denson, The Denson Group & The NavigateRE Partners are connected Via RESAAS to over 460,000 agents across 100+ countries worldwide. We have local offices in Solano, Napa, Sonoma, Marin, San Francisco, San Jose, Sacramento and Contra Costa. Your property will gain the kind of exposure needed to land the right buyer.

Our in house marketing team of designers, analysts, artists and technology gurus are constantly offering strategically driven marketing solutions and custom tailored work to meet the individual needs of our client

What My client's have to say

Alicia Denson

Testimonials

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Mary Ponnequin
Mary Ponnequin
2023-03-23
Alicia is the BEST! Her professionalism is outstanding! She communicated and kept me updated through my entire process She has outstanding communication skills, and follow up. I would highly recommend her to all friends and family.
Gloria Ramirez
Gloria Ramirez
2023-03-21
I recently had the pleasure of working with Alicia and her seller in a transaction for my buyers. Alicia was prompt in communications with all involved. My client had some challenges, yet she responded appropriately as a true professional. Her client extended the contract and enabled the buyers to move forward. Her experience and negotiation skills in this transaction were evident! It makes for a better deal when the other agent "knows her stuff!"
Mark Zuasola
Mark Zuasola
2023-02-26
Alicia is the best. She is extremely knowledgeable and made my experience pleasant instead of nerve racking. I would definitely recommend her and use the Denson Group again.
Vince Granato
Vince Granato
2022-08-29
Alicia is a great agent. As her client; she knows the market, my needs and what was needed to sell my home. She was always there when I had any questions or concerns. When there was any issues; Alicia either took care of it or reached out to people who could. Her professionalism, dedication and hard work is above any other agent I ever encountered. 10 out of 10!
April Koon
April Koon
2022-08-28
Alicia was so gracious and knowledgeable in our home buying process. We really appreciated her aptitude and her go-get-it personality while we were being extremely picky with what we wanted. We found a great home with Alicia's help and we are extremely grateful for her service.
Fran Eichorst
Fran Eichorst
2022-08-24
Alicia and her team did a remarkable job selling our property. She knows the area, the process and all that is involved and was always proactive, accessible and thoughtful in handling every aspect of our sale. I highly recommend Alicia to anyone looking for a knowledgeable, experienced realtor who delivers.
Kathleen Fetters
Kathleen Fetters
2022-08-09
Alicia is dedicated to her clients! She always goes above and beyond for her clients and her team! I always appreciate working with Alicia!
Joseph Shinnerl
Joseph Shinnerl
2022-08-07
Alicia was the ideal agent for us in our recent home search and purchase. She helped us find and close a perfect fit in record time and made it all seem easy. She has our highest recommendation!
Keith Rowen
Keith Rowen
2022-06-06
We are beyond ecstatic with our decision to list our home for sale with Alicia and the Denson Group! After an initial evaluation with Alicia, she gave us a plan as to what price to list our house, how our house would be presented and marketed. Following Alicia’s vast knowledge and experience in the field, she explained to us that after 2 Weekends of Open Houses, she felt confident that we would get an offer. Like clockwork, the Monday after the Second Weekend, an Offer came in which we accepted! The whole Denson Group was fantastic! We cannot speak more highly of the service we received from the Denson Group! Above and Beyond our Expectations!! We would recommend to all to use Alicia Denson and her team! She made the process unbelievably smooth, which is priceless at a stressful time of trying to sell your home! We highly recommend Alicia Denson and the Denson Group!!
Shelby Waldner
Shelby Waldner
2022-06-06
Easiest agent to work with. Such a joy. Thank you for a smooth transaction!

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