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YOUR
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Surfside-Anacapa Real Estate
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. This Brokerage and 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) uses investor capital to funds 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 complete information on mortgage lending, go to the
following companies serving this area:
United States VA Home
Loan Program
Federal
Housing Administration (FHA)
Federal Housing Finance Agency Fannie Mae
Freddie
Mac Wells
Fargo Home Mortgage/Wachovia Bank/World Savings
Chase
Mortgage/Washington Mutual
Bank of America/Countrywide
Citibank
Ocwen Financial/Downey
Savings
One West
Bank/IndyMac Bank
FDIC /PFF Bank, Security Pacific Bank
For a
personal evaluation with an area specialist, contact:
Dawn Peck 805-389-6800 at Guild Mortgage
Company
711 E. Daily Dr, Camarillo, CA 93010
Ane-Marie Barbettini 805.240-1490
Wells Fargo Home Mortgage
801 S
Victoria Ave. Suite 1 , Ventura, CA 93003
Bank of America Home Loans 888.233.4124-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
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 Realtor 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.
Property Inspectors
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
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:
Home
Warranty Association of California
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
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Contact Information
- Telephone
- business: 805-984-1995
- home office:
805-984-4199
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cell: 805-377-1090
- FAX
- business: 805-986-1242
- home office: 805-984-0438
- Postal address
Surfside-Anacapa Real Estate
127 N. Ventura Road
Port Hueneme, CA 93041
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Electronic mail
General Information, Sales & support:
hal.cutler@verizon.net
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