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Clliff Notes of the Selling Process...

The first step in the selling process is assuring a good working relationship between seller and agency.  Once an initial consultation is arranged and all parties are in harmony, the property is prepared for marketing and open houses.  Once an offer is received, which covers pruchase price, down payment, terms of financing and seller contributions, if any, negotiations begin.  Escrow is open with a Title Company and a title report is ordered.  Buyers must deposit "earnest monies" into an escrow account.  If a buyer wishes to have inspections, this process will begin.  Appraisal is ordered, loan documents are drawn by the buyer's lender, if not all cash, documents are executed by the Title Company, funding by the lender, final closing deposits are received, registration of documents and CONGRATULATIONS on the sale of your home!


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Realtor® vs For Sale By Owners

All real estate licensees are not the same.  Only real estate licensees who are members of the NATIONAL ASSOCIATION OF REALTORS® are properly called REALTORS®.  They proudly display the REALTOR "®" logo on the business card or other marketing and sales literature.  REALTORS® are committed to treat all parties to a transaction honestly.  REALTOR® subscribe to a strict code of ethics and are expected to maintain a higher level of knowledge of the process of buying and selling real estate.  An independent survey reports that 84% of homebuyers would use the same REALTOR® again.


Real estate transactions involve one of the biggest financial investments most people experience in their lifetime.  Transactions today usually exceed $100,000.  If you had a $100,000 income tax problem, would you attempt to deal with it without the help of a CPA?  If you had a $100,000 legal question, would you deal with it without the help of an attorney?  Considering the small upside cost and the large downside risk, it would be foolish to consider a deal in real estate without the professional assistance of a REALTOR®,  If you're still not convinced of the value of a REALTOR®, here are more reasons to use one:

  • Your REALTOR® provides due diligence during the evaluation of the property

  • When selling your home, your REALTOR® can give you-up-to-date information on what is happening in the marketplace, and the price, financing, terms and condition of competing properties

  • Your REALTOR® can guide you the closing process and make sure everything flows together smoothly

  • Your REALTOR® MARKETS your property to other real estate estate agents and the public

  • Your REALTOR® can help you objectively evalute every buyer's proposal without compromising your marketing position

  • For Sale By Owners can't list their home in the MLS

  • Some Agents won't show For Sale By Owners homes

  • Buyers will feel intimidated

  • For Sale By Owners are likely to stumble into legal trouble


We cater to you!

The first step in the buying process is assuring a good working relationship between buyer and agency.  Once an initial consultation is arragend and all parties are in harmony, the buying process begins.  The process for buying is much more in-depth than the selling process.  SoRealty is "Always Customer Focused," which we will help empower you, encourage you and motivate you to your dreams.  Highlighting the process...

  • Consulation & determine your criteria in a home;

  • Get pre-qualified by a lender to determine your buying power;

  • Arrange property tours;

  • Target a home that is ideal and write the offer;

  • Present offer to the seller ~ after an offer is accepted;

  • Escrow is opened;

  • Buyer's deposit is placed in escrow;

  • Inspections of home begin;

  • Simultaneously arrange loan conditions;

  • Documents are executed by Escrow Company;

  • Funding is received by the lender;

  • Final closing deposits are placed into escrow; and

  • Registration of documents

  • CONGRATULATIONS on the purchase of your home!


What Closing Cost Are All About

Closing costs or settlement costs are an accumulation of separate charges paid to different entities for the professional services associated with the buying and selling of real estate.

  • Title Insurance Premium ~ Fee paid  by an individual to ensure he has a marketable title or (in case of a lender) to ensure its lien position;

  • Real Estate Comission ~ Fee paid to a real estate company for services rendered in listing, showing, selling and consummating the transfer of property;

  • Transfer and Assumption Charges ~ Fees charged by a lender to allow a new purchaser to assume an existing loan;

  • Recording Fees ~ Fees assessed by a county recorder's office for recording the documents of a real estate transaction;

  • Escrow Fees ~ Fees charged by a title and/or escrow company for services rendered inpreparing documents necessary in the consummation f a real estate transaction;

  • Loan Fees ~ Fees charged by a lender in connection with the processing of a new loan.  Tjese may include points, origination fee and credit report.

  • Additional Settlement ~ Taxes, insurance, impounds, interest prorations and termite inspection fees.

Overview of Closing Costs

Listed below are some typical closing costs your, as the buyer, may incur as part of your loan transaction.  When you apply for a loan, you will receive a Good Faith Estimate of closing costs and settlement charges.

  • Appraisal ~ This is a one time fee that psys for an appraisal - statement of property value for the lender.  The appraisal is made by an independent fee appraiser;

  • Credit Report Fee ~ A one time fee that covers all the cost of the credit report.

  • Loan Discount ~ A one time fee used to adjust the yield on the loan to what market conditions demand.  It is often called "points;"

  • PMI Premium ~ You might be required to pay an up front fee for mortgage insurance, depending on the amount of your down payment.  Lenders may also require monies be placed into a reserve account held by them;

  • Prepaid Interest ~ Dependeing on the time of month your loan closes, this per diem charge may vary from a full month's interest to just a few days.  If your loan closes at the beginning of the month, you will probably have to pay the maximum amount if your loan closes at the end of the month, you will only have to pay a few days interest;

  • Taxes and Hazard Insurance ~ You may be required to reimburse the seller for property taxes, prorated depending on the month in which you close.  You will also need to a pay a year's hazard insurance premium up front;

  • Title Insurance Fees ~ There are two title policies, a lender's policy (which protects the lender against loss due to defects in the title) and a buyers' title policy (which protects you).  These are both one time fee;

  • Escrow Fee ~ Fee charged by the title company to handle funds and documents of buyers and sellers:

    • Notary Fees - State established fee of $10.00 per signature;

    • Recording fees ~ Fee paid to county to recored documents;

    • Inspection Fees ~ Fees charge for various inspections of said property;

    • Home Warranty Plan ~ Optional Warranty Package that pays for repair/replacement of home's major system and appliances;

    • Disclosure Source ~ Optional.  Consult SoRealty.

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