Working with me can save you the time and energy spent on hours of perusing the newspapers, stumbling into open houses that dont suit your needs that result in endless viewing of unsuitable properties before selecting me as your agent. After all, this is probably your largest financial investment in your life and you want someone who can offer you a high degree of integrity, professionalism and a sense of stability.

Whats the best reason to have a contracted buyers agent?

This relationship works best when loyalty and trust exist as well as open and honest communication. By contracting with me to be your agent, I will work diligently at finding you a home that meets your needs at a price that you can afford. I LISTEN. All this at no cost to you! Sellers have already agreed in writing to pay the buyers agent a portion of the sale; whether you have an agent or not, the sellers will still have to pay this fee.

Where do I begin?

You must first meet with a qualified lender (local preferred)- I can recommend one or more, to determine your maximum sales price. In addition, he or she will expose you to the various loan products on the market, discuss their differences and fine-tune your needs. Getting pre-approved in this swift market will send the message that you are serious and will be ready to buy.

The Process:

Today in California, it is expected that a buyer will remove all of their contingencies, including their loan and appraisal contingency, within 17 days after acceptance.

• Preview Property and make an offer as a Pre-Approved buyer
• Get the offer accepted and enter into a binding contract
• A licensed Pest Control company will perform a Termite Inspection
• Hire a professional Home Inspector to evaluate your purchase. Roof and Pool Inspections are made at this time also.
• Determine if there are repairs needed to the home
• Read the Sellers Disclosures
• Read the Statutory Disclosures
• Lender orders the Appraisal for the homes value
• Escrow will contact you in regards to follow-up papers to sign
• Escrow will supply Title information
• Start shopping for Home Owners Insurance

What next?

Call me! I would love to help you find your dream home. After all, isnt it time you began receiving the benefits of equity found in home ownership and tax advantages?

Joan Topp

(858) 618-5639

Rancho Bernardo covers over 5800* acres and in the 1960s development began as the master planned community of Rancho Bernardo. This means that on a grand scale, house placement is decided and funding is built in for schools. Parks, playgrounds and community pools go up when the homes go up and one section is set aside for light industry. There are many major local technology employers, including Sony, who has recently decided to move their headquarters to Rancho Bernardo.

Rancho Bernardo is a part of the city of San Diego but it has its own town council as well as a volunteer advisory panel to the citys planning board. Rancho Bernardo has its own Chamber of Commerce.

Two of the communitys neighborhoods are age-restricted communities but Rancho Bernardo is by no means a retirement community with the average age being 44.

Each of its neighborhoods has its own recreation center, of which every neighborhood resident is a member. All of these have covenants and restrictions in homeowners rules.

Within the Poway Unified School District (PUSD) is Rancho Bernardo, the towns of Carmel Mountain Ranch (CMR) and Sabre Springs (SS), Poway, and Rancho Penasquitos. The PUSD consistently maintains its standing as one of the top districts in the county.

The towns of CMR and SS are neighborhoods of the City of SD and are incorporated in the Rancho Bernardo zip code, 92128. Rancho Bernardos other zip code is 92127, which encompasses the communities lying on the west side of I-15. To promote their mutual interests, CMR, SS, Rancho Penasquitos, Mira Mesa and Scripps Ranch have joined into one chamber of commerce called Diamond Gateway.

Each community has organized team sports in every category. San Diego has earned the title of the Golf Capital of the World: and Inland North County offers 8 challenging and beautiful golf courses within the 5 neighboring communities of RB, CMR, SS, Poway and Rancho Penasquitos. There are a large number of tennis facilities in the neighborhood community centers and parks. The area provides locations for fishing, hiking, running and boating as well as miles of horseback trails.

Westfield Shopping Town - North County is the largest regional shopping mall in inland north county.

*This total acreage figure has jumped since the development west of RB, 4S Ranch, and may be closer to 10K acres in actuality.