Reef Realty
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Mortgage

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Adjustable Rates

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Refinance

  • Mortgage Balance
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DRE Lic # 019153331714 Soledad Way | San Diego, Ca 92109Direct: (619) 977-7777 | Office: (858) 483-0187

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    You’ll know you are Ready when…

    • You’re busting at the seams and needing a bigger, better living space.
    • Your other investments don’t offer TAX-FREE profits.
    • Life has dictated a move and you need to relocate to another community.
    • You’re tired of paying rent and paying someone else’s mortgage in the process.
    • You want to make changes to your home that only an owner can do.
    • You’re feeling the pinch of wasting money on taxes and insurance on a large house that is no longer used or needed.
    • You’re now an empty nester because all your kids have moved out.
    • You’re getting killed on income taxes and you need more write-offs.
    • You’re too far away from family or loved ones and want to be closer.
    • You’re at the top of the market and want to take some profits.
    • You’re tired of all the maintenance / repairs on your old home.
    • You have a growing family and not enough room.
    • Your money isn’t working efficiently for you elsewhere.
    • You have a child needing help with their start in life.
    • The circumstances in your current neighborhood have become intolerable.
    • You’re retiring and want to simplify life.
    • Maybe a loved one has passed and you just need a change.

    CLICK ON EACH OF THE 5 LINKS BELOW, enter your address and see what AVM that each of these sites will come up with:

    trulia logo
    redfin logo
    zillow logo
    realtor logo
    homes logo

    We encourage you to put your address into all 5 of these and we expect you will find at least a 30% difference in the estimate of your home value. So, which one should you trust? None of them.

    Full-Service Brokerage Offers

    • Property Location Services
    • Conventional and Creative Financing Consultation
    • Tax Ramification Consultation
    • Detailed Valuation Analysis
    • Expert Initial Negotiations
    • Inspection Consultation / Facilitation
    • Inspection Analysis
    • Fact-Based Secondary Negotiations
    • Vendor Referral Services (both Trades Services and Professional Services)
      • Tradesmen
      • Title Insurance
      • Escrow Services
      • Legal Advice
      • Tax Advice
      • Financing Services
    • Design / Renovation Consultation
    • Utility Connection Assistance
    • Home Warranty Consultation

    Reef Realty enjoys sharing a wealth of knowledge and decades of experience with YOU, our clients to put you in a position to make the best decisions. The highly customized coaching and guidance you will receive will benefit you throughout your future. Unlike — something you’ll never get with an automated system on the internet or a less experienced agent. You will be armed with the best information and knowledge available to help you make the best decisions possible throughout the process.

    1. Building / Construction Knowledge – Most agents have never even built a sandbox, let alone a house. Reef Realty has built and/or renovated hundreds of homes over the years and we share that invaluable construction experience with our clients. You’ll use the knowledge you gain during this process for the rest of your life.
    2. When the inspector makes mention of an old electrical panel, are you going to know if it needs to be replaced or not?
    3. When a foundation pier is compromised, are you going to have any idea about the repair cost or scope of work needed?
    4. When a roof truss is cracked and sagging, are you going to know which vendor to call to fix it?
    5. When a multitude of physical defects are discovered, are you going to know whether or not to walk away the property?
    6. Valuation / Appraisal Knowledge – Does your agent have an appraisal background? We do! When you ask your agent, “What do you think that property is worth?” or “How much do you think we should offer?”, does your agent say some version of “Let me look at the comps” or “Let me run a CMA to figure it out.”

    Finally, if the discount real estate agent is offering a “limited service” then they will be eliminating some of the services from their offering to the seller in order to justify the reduced rates.

    These services may or may not be important to you, so pay attention.