YOUR TEAM of Real Estate Experts supporting the Sale!

Recent changes in mandatory California Law

Starting in 2011, every home with natural gas or wood burning fireplaces, cooking or heating requires a CO (Carbon Monoxide Detector), this is a statutory requirement, the same as smoke alarms.

New Rules regulating contractors or trades people working on property built prior to 1978 requires them to complete a course in dealing with lead paint. The penalties are severe and any work done by any contractor or trades person may be subject to this law, no matter how small the job.

Realtors®

When you're looking for help buying or selling property, it's important to remember that the terms "real estate agent" and "Realtor" are not synonymous. Realtors® can provide an extra level of service, and to be a Realtor® you must be a member of the National Association of Realtors®. The NAR is a non-profit trade organization that promotes high professional standards in real estate. NAR members adhere to a strict code of ethics founded on the principle of providing fair and honest service to all consumers. Pacific Rim Realtors and this Real Estate Agent are proud to be members of the National Association of Realtors.

 

Mortgage Lenders

Providing mortgage financing for real property, these lenders take on several forms. A mortgage banker (Chase for example) provides loans generally with its own funds or a mortgage lender (Countrywide for example) used investor capital to fund many loans. Mortgage brokers bring together an outside lender and a borrower. Since each individual borrower has specific needs, many lenders work with portfolio loans (held by the bank), government insured loans ("Fannie Mae", "Freddie Mac", FHA, VA) or with other lending institutions as well as their own.

For a personal evaluation with an area specialist, contact:  

Dawn Peck 805-389-1558 or 805-312-0450 at Guild Mortgage Company

    711 E. Daily Dr, Camarillo, CA 93010
 

  Ane-Marie Barbettini 805-240-1490 Wells Fargo Home Mortgage

   2831 Saviers Rd., Oxnard, CA 93033

 

Bank of America Home Loans  1.866.670.5271 - Offices through out Ventura County


Title Insurance Companies

Provide Insurance against loss resulting from defects of title (ownership) to a specifically described parcel of real property.  Defects may run to the fee (chain of title-ownership) or to encumbrances (mortgage or liens). 

For complete information on title insurance services, go to the following companies serving this area:

Chicago Title Insurance

First American Title

Lawyers Title

 

Escrow Companies

In California, a third (neutral party) instructed by the buyer & seller to deliver all instruments necessary to the sale (including funds) to the appropriate parties, i., e., lenders,  agents and the buyers or sellers. In recent years, many title & escrow companies have merged, providing both services.  A few independent escrow companies remain in this area and the buyer & seller, by mutual agreement determine which service company to use.

For complete information on escrow services, go to the title companies listed above, each providing local escrow services.

 

Home Inspection and Evaluation

This Real Estate Agent provides his clients with extensive information and resources to help the home buyer make an informed decision and home seller understand his/her rights and responsibilities in the sale of a home.

This inspection is a visual examination of the structure and systems of a building. Typically, this inspection is performed before the final purchase by an experienced and impartial professional inspector.

For complete information on Home Inspection services, go to the following association serving this area:

California Real Estate Inspection Association

 

          Natural Hazards

The Natural Hazards Disclosure Act of California, effective June 1, 1998

(as amended June 9, 1998), requires that seller of real property and their agent provide any prospective buyer with a "Natural Hazard Disclosure Statement" when the property being sold lies within one or more state-mapped hazard areas, including the following specific areas: Earthquake, flood and fire effect some areas and regions more than others. Through Federal and State government resources, more information than ever is available to the perspective home buyer.  This Realtor provides each of his home buying clients the most up to date information available about these issues and advises the home seller to provide other necessary information to the buyer as well.

         

 Indoor Air Pollution

Since indoor air pollution and especially mold contamination have become important issues, every home buyer or seller should be informed.  This Realtor provides disclosures regarding this subject to his clients prepared by the California Association of Realtors. Recently a new organization was formed, the American Indoor Air Quality Council which certifies inspection firms providing related inspection services. 

For complete information on this subject, go to the following website:

American Indoor Air Quality Council

 

Home Warranty Insurance

Private insurance protecting a buyer against certain defects (usually in plumbing, heating, & electrical) in the home. 

For complete information on Home warranty coverage, go to the following association serving this area:

California Home Service Contract Association (CHSCA)

 

Established Contractors & Trades people

Among the various services provided by outside contractors during the sale, the pest control inspection  and resulting treatment or repair is often the most important.  This inspection, determining the presence of wood destroying pests, typically is required in most residential purchase agreements.  

For complete information on pest control issues, go to the following association serving this area:

Pest Control Operators of California

 

Contact Information

  • Telephone
    • Home office: 805-984-4199
    • Cellular: 805-377-1090
    • Sales office: 805-984-2930
  • Address
    • Hal Cutler, Realtor®
      Pacific Rim • Realtors®
      2509 Roosevelt Blvd.
      Oxnard, CA 93035
  • Email