Which Came First the Lender or the REALTOR? – Buying a Home Part 2

Buying a Home Part 2 – Which Came First the Lender or the REALTOR?

In part one we covered the obvious – What are you buying a home for? Once you know why you are Buying a Home you need to start Choosing a Home Loan.

Now most Lenders are going to say “Talk to me first” and of course I kFront Long View Largenow many quality lenders and I love it when they send me a client that have been working with to get them ready to buy a home. This seems logical as we need a loan before we can start shopping for a home.

But I do not mind when potential buyers come to me first, without getting a loan arranged. And there is a good reason to maybe start with a quality REALTOR. We know lots of lenders, there are lots of lending programs out there. When one lender tells you “No” either to a loan or a type of loan that does not mean another lender cannot do it.

There are an increasing number or Loan Products on the market and this is a good thing. Also many Lenders put overlays on loan guidelines. What is an overlay? Most loans are resold to Fannie Mae or Freddie Mac; government backed loan wholesalers, or are FHA Loans (another government program). There are other programs and most are government backed at some level. All of these programs have guidelines (Requirements) that lenders need to use in order to make a loan. Some lenders (especially larger banks) put overlays on the requirements, making their rules more strict than the actually government rules (they do this to protect themselves). Also as I understand it Loan Underwriters do have some flexibility in interpretation of the guidelines, some lenders are more conservative in interpretation than others.

As a REALTOR I know which lender is best for which type of buyer. Which one has the most chance of getting you the loan you need and want. I can point you to the lender that will get the job done right. Many times I have had buyers come to me thinking they could not get a loan and I have pointed them in the right direction. When there is a problem I also know the questions to ask. Also if I am working with a lender I know the level of cooperation is generally much higher.

Here is a hard truth. There are many great and honest lenders out there, that if they cannot help you will point you to someone else that might be able to if they cannot. However, if they can help you but it might not be the best loan program for you they are going to put you in the program they have that works for you (even if not the best for you). (Not all Lenders but some). There is little if no incentive for a lender if they cannot help you get the loan you need.

As a REALTOR I only get paid if you actually purchase a home. I want to provide quality and honest service. I will direct you to what is in your best interest, but I do not get paid if you do not successfully complete a purchase. I am motivated to see that you get the best possible loan for you.

Not all Real Estate Agents may provide you with the help attention or direction you need. Sadly this is often because they do not see you as being part of their “Niche” or just poor service.

My general advise is if one Real Estate Agent or Lender tells you “No” try and figure out what the issues are and make some calls to others. Google Questions and issues. Or just call Home Point Real Estate at 925-260-4321.

At Home Point Real Estate we are helping Home Buyers turn Houses into Homes. Home Point Real Estate is located in Brentwood Ca and provides service to the East Contra Costa County Communities of Brentwood, Oakley, Discovery Bay, Antioch, Pittsburg and beyond. Give us call regarding Buying a Home, Selling a Home, or Real Estate Investing.

Home Point Real Estate for Buying, Selling, Investing

Home Point Real Estate for Buying, Selling, Investing

Welcome to the Home Point Real Estate blog spot. We have information on Buying a Home, Selling a Home, or Investing in Real Estate. We also have up-to-date information on Home Loans and Real Estate Lending. Home Point Real Estate is located in the Contra Costa County community of Brentwood California and provides service to Contra Costa County and beyond.

Kitchen 1

Home Point Real Estate is a leader in Internet and On-Line Marketing, but we also believe in traditional personal service. We answer our phone! If we do not it is only because we are on another line and then we will be back to you in minutes, not hours. Go ahead try us now: 925-260-4321.

Home Point Real Estate is your real estate expert and with our team of Lenders, Title Companies, Escrow Companies, Inspectors, Contractors and others we will help you with your Real Estate Solutions.

Let Home Point Real Estate Point You in the Right Direction.

Buying a Home:

If you are looking to Buy a Home you have come to the right place. Home Point Real Estate offers Free On-line Home Searches, these are MLS Home Searches. Contact Home Point Real Estate and find out about getting our Home Buyers Guide. Home Point Real Estate works with First Time Home Buyers, Move Up Buyers, Relocation Buyers, Buyers looking for a Fixer Upper, Luxury Home Buyers, Real Estate Investors, Golf Course Homes, Homes with Deep Water Docks, Lots and Land, Hobby Farms, and those looking for Active Adult Communities.

Have a Lending Problem? Ask us about some of the great programs our lenders have! Low Credit Score; minimal or no cash; One Day Out of Foreclosure, Bankruptcy, or Short Sale; or other issues? Don’t give up! Give us a call 925-260-4321.

Home Point Real Estate – Turning Houses into Homes!

Selling a Home:

Let Home Point Real Estate Help You Sell Your Home. Contract Home Point Real Estate about Getting a Copy of our Free Home Selling Book that will help you get the most for your home. Get a Free Home Evaluation.  We handle Short Sales and other challenging sales. Home Point Real Estate is a highly committed to modern technology  but with a commitment to personal service.

We know how to get your home the most exposure and quality offers in a realistic time frame. If you are Selling a Luxury Home, Selling an Investment Property, doing a Probate Sale, want to Sell a Home As Is, want to Sell Your Home and Move Up, and Relocation Sellers Home Point Real Estate is here to help you sell. Have you tried For Sale Buy Owner and decided the legal and financial risk are too great? Ask us why it is better to List With Home Point Real Estate and why you may get more for your home using a REALTOR.

Selling a Home is more than putting out a sign and waiting for an offer. We present your home to thousands of buyers over the Internet, both on our Blog and Web Sites, E-mails, Syndicated Real Estate Sites, The MLS, and more. We will show you how to get your home ready for sale, and help you sell in the shortest amount of time for the most more based on current market conditions. More than on line though we will be there in person to answer your questions. Show your home, review your offers with you and guide you through the disclosure process.

For many your home is the most important asset you have. It is more than about Selling Your Home, it is about helping you create your future.

Real Estate Investing:

Home Point Real Estate works with lots of Real Estate Investors. From Buying Investment Properties to Selling Investment Properties. We can show you how to use a 1031 exchange to drastically increase your return on Investment. We work with Real Estate Investors Shopping for Single Family Homes, 2-4 Unit Properties, and Real Estate Investors interested in Buying Apartment Houses. If you are looking to sell an Investment Property we have hundreds of Real Estate Investors that we can show the property to.

Home Point Real Estate works with some of the best lenders in the industry and can get you the right loan for your investment. At this time we can direct you to lenders that offer 15% down non-Owner Occupied Loans. Own 10 Investment Properties and want to buy more but cannot get a loan? We have lenders with programs that will let you borrow on up to 20 properties. We also have work with Rehab Lenders, Bridge Loan Lenders, and Lenders for Apartment Complexes. Learn how to buy an investment property with 3 1/2 % Down FHA Loans.

Request The Free Book of Real Estate Investing.

Real Estate Loans:

Home Point Real Estate is not a Real Estate Lender, but we work with some of the best companies in the business working with premium conventional borrowers, VA Loans, Jumbo VA Loans, FHA Loans, Low Down Payment Conventional Loans, FHA 203K Loans, other Rehab Loans, Investor Loans, Self Employed Buyers, Hard to Place Borrows with Credit Problems or other issues.

When other say, “No,” we say “How.” We are about solutions not NO!

Service Areas:

Our Primary MLS for Residential Real Estate covers Contra Costa County and Alameda County. Coverage areas for commercial is much broader. We also have access to surrounding counties via the MLS Exchange. We work with team members and other trusted Real Estate Partners to provide service to all of these areas.

Home Point Real Estate is in Contra Costa County which includes the following towns and communities:

East Contra Costa County:


Antioch Centennial Park

Antioch Lake Alhambra

Antioch Delta Fair


Brentwood Summerset (a 55+ Community)

Brentwood Trilogy (a 55+ Community)

Brentwood Apple Hill

Brentwood Deer Ridge

Brentwood Garin Ranch

Brentwood Rose Garden

Brentwood Providence Place

Brentwood Visions

Brentwood Pool Homes

Discovery Bay

Discovery Bay Deep Water Dock Homes

Discovery Bay Country Club

The Lakes in Discovery Bay


Oakley Summer Lake Homes

Oakley Pool Homes


Bay Point


Bethel Island


North Contra Costa County






Pleasant Hill


Walnut Creek

West Contra Costa County


El Cerrito

El Sobrante






San Pablo

South Contra Costa County


San Ramon

1017 Rotherham – Off Market Property for Sale!

1017 Rotherham – Off Market Property for Sale!

Off Market Property for sale in Antioch California. 1017 Rotherham Antioch CA.

This 1649 SF, Single Story, Four Bedroom and Two Bathroom Home features granite counter tops, fireplace and other upgrades. This large corner lot has potential RV or Boat Parking.

Rotherham Living Room 2 Rotherham Living Room 1 Rotherham Kitchen Rotherham Family Room Rotherham Front

The Property is listed at $310,000.00. There is a tenant in place. The GRM is 14.36% and the property offers a great return for those looking to continue to use it as an investment property.

Special Financing available for Investors, First Time Buyers and others. This is an off market property not currently on the MLS and is offered Exclusively through Home Point Real Estate (HomePointRealEstate.com 925-260-4321).

Do not disturb tenant. Property shown by appointment only or offers taken subject to inspection. Buyer to cooperate with seller 1031 Exchange at seller expenses. Sale subject to seller’s 1031 Exchange plans.

To make an offer or for an appointment call 925-260-4321.

Other Antioch Homes for Sale

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