Palm Springs California Real Estate Blog

Rob Zwemmer

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Six Selling Myths Uncovered

Myth #1:  You should always price your home high and negotiate down.

 

Truth:  Pricing too high can be as bad as pricing too low.   If you list too high, you'll miss out on buyers looking in the price range where your home should be.  Offers may not even come in, because buyers who are interested in your home are scared off by the price and won't even take the time to look at it.  By the time you correct the price and list your home at its fair market value, you will have lost that window of opportunity when your home draws the most attention from the public and Real Estate agents; i.e. the first 30 days that it is on the market.  A well-trained Real Estate agent who looks out for your best interests will consult with you on your home’s fair market value and different pricing strategies for the current market.

 Myth #2:  Minor repairs can wait until later. There are more important things to be done.

 

Truth:  Minor repairs make your house more marketable, allowing you to maximize your return (or minimize loss) on the sale.   Most buyers are looking for homes that are ready for them to move into.  If your home happens to attract a buyer who is willing to make repairs, he/she will begin asking for repair allowances that come out of your asking price.  The amount of an allowance that you have to offer a buyer is usually more than what it would cost for you to make the repair (or hire someone to make the repair).  Remember, buyers are comparing your home to other homes that are currently on the market.  Your home should be inviting so that everyone who looks at it can see themselves living there. 

 

 Myth #3:  Once a potential buyer sees the inside of your home, curb appeal won't matter.

 

Truth:  buyers probably won't make it to the inside of the home if the outside of your home does not appeal to them.   buyers and their agents often do drive-bys before deciding whether a home is worth their time to look inside.  Your home’s exterior must make a good first impression so that buyers are compelled to stop and come inside.  All it takes is keeping the lawn mowed, shrubs and trees trimmed, gardens weeded and edged, and clutter put away.

 

 Myth #4:  Your home must be every home buyer's dream home.

 

Truth:  If you get carried away with repairs and replacements to your home, you may end up over-improving the house.   There is a point where improving your home doesn’t pay off.  The key is to consider what competing properties feature and look like.  A highly-motivated Real Estate agent will consult with you on what competing properties have to offer – he/she can even show you competing properties so that you can make sound home improvement decisions.

  

Myth #5:  You are better off selling your home on your own and saving money on the commission you would have paid to a Real Estate agent.

 

Truth:  Statistically, many sellers who attempt to sell their homes on their own cannot consummate the sale without the service of a Real Estate agent.   Homeowners who succeed in selling their home by themselves usually net less than if they had a Real Estate agent working for them.  The National Association of REALTORSâ surveys consumers every year, including homeowners who succeeded in selling their home without a Real Estate agent.  Over 70% of these homeowners say that they would never do it again.

  

Myth #6:  When you receive an offer, you should make the buyer wait. This gives you a better negotiating position.

 

Truth:  You should reply immediately to an offer!  When a buyer makes an offer, that buyer is, at that moment in time, ready to buy your home.  Moods can change, and you don't want to lose the sale because you have stalled in replying.

Why Did Your Home Listing Expire Unsold?

The Market/Property Profile Formula

     When you’ve kept your home show-ready, left for showing appointments and anticipated an offer for months, it can be quite frustrating when your home listing expires without a sale, or possibly even an offer.   It’s tempting to want to place blame on marketing, your listing agent, a bad local market or other factors.  It could be any of these or a combination.  Let’s look at this situation as a very straight-forward analytical formula:

                                                   Supply   +   Price

   Time on Market  =     ___________________________

                                        Product Quality   +   Marketing

  • If the supply of homes increases without a corresponding increase in demand, the time your home stays on market will increase.
  • If you increase the price, the time on market will increase.  If you decrease it, the time on market will decrease.
  • If the quality of your home (appearance, staging, cleanliness, paint, maintenance) increases, the time on market will decrease.
  • If the quality of marketing increases, the time on market will decrease.

These statements are generalizations, but the ratios are such that increasing anything on top should increase time on market, while increasing anything on the bottom will generally decrease time on market.  The bad news is that you cannot control supply/demand.  You, or your listing broker, can control marketing, but it cannot overcome a supply overage or negatives in product quality or over-pricing.  The good news is that you have some control over Product Quality and total Pricing control.

Take action today and let us help you to control the process.  Call The Zwemmer Group  now at 800-880-9590 or email us  at info@thezwemmergroup.com and we’ll:

  • Provide a comprehensive market supply/demand analysis
  • Provide a Comparative Market Analysis to allow you to view your home’s condition, features and price in relation to the competition
  • Provide an analysis of previous marketing and recommendations for future marketing and media tailored to your needs

Our Business is Helping You to Sell Your Home 

No Hype    -     No Pressure    -    Just Consultation 

Let us help you take control!

 

Renting vs. owning

Renting vs. Owning

 

Although some renters believe that renting is “maintenance free,” they are actually paying for maintenance in their rent – whether they need it or not.  Renting offers you no equity, no tax benefit, and no protection against regular rent increases.  If you’re paying rent, you’re really just paying someone else’s mortgage.  Let’s compare.*

 

Rent          vs.            Own

Monthly Payment

$1,000

Monthly Payment

$   855

Insurance

$     30

Insurance

$     50

Taxes

$       0

Taxes

$   260

 

 

MIP Insurance

$     45

Total Payment

$1,030                                     

Total Payment

$1,210

 

 

 

 

Savings

Interest Deduction

$       0

Interest Deduction

$ 175

Tax Deduction

$       0

Tax Deduction

$   75

 

 

After Tax

 

Net Monthly Payment

$1,030                                 

Net Monthly Payment

$ 960

 

* Approximate Payment/Cost Comparison based on estimated annual tax results.  Based on 2.5 tax bracket and on estimated first year interest and taxes.  Recommend consulting with tax expert.  Payment based on FHA 30-year fixed rate loan with 7% interest rate, sales price of $125,000 and a loan balance of $121,250.  Interest rate/rental rates, prices, terms, and availability subject to change without notice.  See a qualified tax consultant for more details.

Working with Millionaire Clients

Rob Zwemmer’s seminar on How to work with Millionaire clients was a huge success.  Many Keller Williams agents along with other broker agents attended the seminar in eager anticipation and Rob did not disappoint. 

 

agents learned how to attract, work, and keep millionaire clients.  agents learned that mind-set is very important in all aspect of life.  Be it in business or personal life.

 

“Learning to work with and help Millionaire clients is all about mind-set” says Rob.  Rob’s seminar taught us how to use our skills and mind-set to re-program ourselves so we can breakthrough to the next level, no matter what level that may be. 

 

Rob also talked about the law of attraction.  Just like gravity, the law of attraction is always there, always working and never makes a mistake.   What you think is what you attract.

 

Many words of excitement and praises are still being passed along the hallways and emails.  Rob is quickly becoming a popular speaker among our Keller Williams family and we are looking forward to attending his next class… what we will learn next?

 

Rob’s expertise in working with the “high-end” client is well established.  Currently working with several multi-million dollar clients and investors, Rob knows the importance of honestly, reliability and listening to the needs of his clients.  Rob is a believer in “Raving Fans” and consistently works to make each every client a raving fan for life.

Mountain View Country Club Broker Mixer draws huge crowds

On Thursday, August 30th, 2007, brokers and agents came together to view and showcase Mountain View Country club homes for sale. 

 

Priced from the low to mid 1 million dollar range, these homes are a true golfer’s delight.  The homes featured on the broker tour either had private settings or fantastic golf course views.  The Zwemmer Group’s listing at 80510 Via Talavera received many compliments on the incredible views of the lake, mountain and fairway.  Many agents spent an extended amount of time at our listing, amazed by the views along with the private setting.  This for Nolina Model home has over $300,000 in builder upgrades and includes the golf membership and is priced at $1,469,000. 

 

Again we thank everyone for their support and wish everyone a great and safe Labor Day weekend.

City of La Quinta readies for next round of SilverRock projects

City officials and private developers are gearing up to build new links and new hotel rooms, part of the next round of construction at La Quinta's SilverRock golf resort.

City readies for next round of SilverRock projects.

 La Quinta has been negotiating with an architect for SilverRock's second and final golf course, and the City Council will likely review that contract on Sept. 18, Assistant City Manager Doug Evans said.

Evans would not reveal the architect's identity but said the person was relatively well-known in the golf world. La Quinta opened the Arnold Palmer-designed Classic Course at SilverRock in February 2005.

The City Council also will review floor plans for SilverRock's future clubhouse in either September or October, Evans said.

Lowe Destination Development will build its 200-plus room boutique condo-hotel, dubbed La Solana, at the same time the city builds its clubhouse.

Lowe is expected to break ground in spring 2008, and both the boutique hotel and the city-owned clubhouse should open late 2009 or early 2010.

Lowe is developing a second hotel at SilverRock to be built following the boutique hotel. The city plans to build its second golf course at the same time. Both are tentatively scheduled to open in 2012.

The city is also designing the roadways that will extend through SilverRock, weaving from the northern end at Avenue 52 to Avenue 54 at the south.

Evans said the city has a good rapport with Lowe, since many of the public and private employees have worked together on past projects.

City consultants estimate La Quinta will spend $140 million in redevelopment funds to purchase SilverRock's 525 acres and develop its portion of the mixed-use golf, hotel and retail project.

Ten Steps to Selling Your Home For-Sale-By-Owner

Ten Steps to Selling Your Home For-Sale-By-Owner

1. Define your goals, wants, needs and expectations. A good place to begin is by exploring your short and long term goals in life and how selling your home fits in. 

2. Determine the best price for what’s going on in the market right now. Assess the current state of the market and what comparable homes are actually selling for by reviewing a Comparative Market Analysis (CMA) on your home. That way, you can objectively determine its fair market value and price it right.

3. Prepare your property so that it is in top-selling condition. Most of us don’t keep our homes in top-selling condition. Think about your home from a buyer’s point of view. Repair, replace or remove items in your home so that it makes a GREAT first impression.

4. Implement time-proven, research-based marketing strategies. Market your home to as many people as possible using for sale signs, flyer boxes, open houses, feedback tracking and web listings.

5. Show your property. Ensure that your home is always in top-selling condition. When you leave for work, make sure that your home remains in top-selling condition. You know what they say about first impressions!

6. Receive an offer. When a buyer decides to buy your home, an offer will be presented. Consult with legal counsel. 

7. Negotiate to sell. Most offers require some level of negotiation. Decide your parameters and be prepared to negotiate towards a win-win situation.

8. Have your home appraised and inspected. Once you have accepted an offer, work with the buyer or buyer’s agent to coordinate an appraisal, inspections and a survey (if required). If the buyer requires that certain repairs be made on your home, negotiate or make them to move successfully from contract to closing.

9. Prepare for closing. A few days before closing (also known as settlement), contact the title company and the buyer or buyer’s agent to ensure that all the necessary forms and documents have been prepared. Consult with legal counsel.

10. Close! At the closing meeting, ownership of your property is legally transferred to the buyer. 

“12 Questions You Should Ask A Realtor.

“12 Questions You Should Ask

Before Hiring ANY Realtor”

Here Are 12 Powerful and Insightful Questions You Should Ask

A Real Estate Agent BEFORE You Sign Anything!

 

Dear Consumer,

If you’re in the market to sell your home, OR purchase a home, there’s something

you should know…

 

All Realtors Are NOT The Same!

Your decision to place your home for sale involves more than simply running an

ad, holding a few open houses, and waiting for the sales proceeds check. And your

decision to buy a home clearly involves more than looking at 2 or 3 homes, making an

offer, and moving in.

 

Hiring the wrong Realtor can mean the difference between making or losing

money, selling or buying quickly or taking a long time, a trouble-free transaction or a

living nightmare.

 

Unless you have experience interviewing people, and Realtors in particular, you

won’t always know what questions to ask. Further, you won’t always know what answer

will best suit your needs for buying or selling. So here’s a list of 12 important and

insightful questions you should ask ANY Realtor BEFORE you sign anything…

 

Question #1: How Long Have You Been Practicing Real Estate?

This question will reveal more than just years practicing. You want to delve

down into the number of transactions, average price range, specialized areas and types of

homes they’ve purchased or sold. You also want to know how productive they’ve been

in each year in practice.

Some agents in business less than 5 years may have more experience than other

agents in business 10 years or more! You want to know how many brokers they’ve

worked for, and what kind of experience they have that will apply directly to your real

estate situation.

 

Question #2: What Qualifications Do You Have To Sell Real Estate?

This question looks for their overall commitment and dedication to building their

personal skills. If they’re not willing to commit to improving themselves, they may not

commit to your needs and satisfaction either.

First, look for their overall education. Did they go to college? Do they have any

Realtor or professional designations? How often to they invest in improving their skills

and keeping up with technology and other industry trends?

Experience should also carry over to negotiating and financial skills. And don’t

forget the ancillary experience required for Real Estate.

 

Question #3: Tell Me About Your Personal Real Estate Operation?

This is an open-ended question designed to get your Realtor talking about their

business. You want to know how much they’ve invested into their business as relates to

giving you competent and quality service. For example, do they have an assistant to take

home inquiries when they’re not in the office? Do they have a pager, cellular phone,

email, and other methods of reaching them? Do they have a private office either with the

broker or on their own (a tell-tale sign of a top producing agent)?

Here’s what you’re looking for: The more an agent invests into their own

success, office, and systems, the more they’ll be able to commit to you.

 

Question #4: Can You Give Me A List Of Client References To Call?

An agent who doesn’t accumulate a list of satisfied references either doesn’t do

much business, or isn’t providing the kind of service or follow-through you need.

References don’t always need to be past clients. Get professional references as well:

Bankers, mortgage lenders, appraisers, attorneys, etc.

 

Question #5: Do You Have A Formal And Written Marketing Plan For

Selling Homes?

This question applies more to sellers than buyers, but both should ask. Your

agent’s marketing plan needs to be deep – not just holding open houses, entering your

home on MLS, or running classified ads.

The key to selling a home is CONSISTENCY. Your home must be consistently

marketed to those people capable of buying. This cannot be accomplished if an agent

doesn’t have a diversified arsenal of marketing strategies. Look for special ideas,

consistency, and persistence in their marketing plan.

 

Question #6: What Systems Do You Have For Tracking The Home

Market (buyers)/ or Tracking My Home Listing (sellers) On A Regular

Basis?

This is a very important question. If you’re a buyer, you want to know their

competence in understanding values of certain areas. They also need systems to keep

you continually up to date with opportunities in the market. You want them to have more

than “access to Multiple Listing Service.” How much do they actually preview homes in

your price range or desired area. How much do they talk to neighbors, or participate with

other activities in those areas.

If you’re a seller, you want to price your home correctly, and be regularly updated

with important buyer activity. How many calls did you get on your home this week?

What marketing strategies did you use? How many home visits from other agents did

you have (and what were their comments)? How many people visited your open house?

If an agent does not have specific systems for measuring and reporting these

items, perhaps you should consider someone else.

 

Question #7: Do You Guarantee Your Performance?

Some agents will give you a blank stare at this question. If they do, you might

want to consider taking your business elsewhere. Why? Because you need to know if

your interests are aligned. Is your agent willing to stake their successful outcome with

yours?

Why shouldn’t your agent also guarantee their performance?

Smart Realtors guarantee their services for 2 reasons: 1) They’re confident they

can perform for you because of their experience, commitment, and work ethic, and 2) It’s

smart marketing for a Realtor to guarantee their services. If you buy a television, it’s

guaranteed. If you buy a car, it’s guaranteed. These days, nearly everyone must offer a

guarantee to help stimulate a sale. agents on the cutting edge of marketing guarantee

their services.

 

Question #8: Can You Refer Me To A Reputable Mortgage Lender,

Banker, Appraiser, or Real Estate Lawyer?

This question reveals how active the agent is, and how well connected they are

professionally. At some point in the buying or selling process, you will need the services

of a reputable, competent lender, appraiser, title company, etc. If your agent is active,

committed, and diligent with their practice, they’ll be able to give you a few names of

each right on the spot.

 

Question #9: What Percentage Of Your Business Comes By Referral?

Here’s the “$64 thousand dollar question.” Competent, well-known agents get a

large part of their business from satisfied past clients and members of their sphere of

influence.

If your agent gets less than 25% of new business through referrals, it may be

because 1) The quality of service they offer is not up to standard (hence, people don’t feel

compelled to refer to them after a transaction), 2) They lack the marketing experience or

skills required to market for referrals (which means they may not bring strong skills to

your transaction), or 3) They don’t cultivate contacts in their business (which means they

won’t have many people to speak with about your home).

Clearly, the best way past clients show their gratitude for outstanding service is by

referring their family, friends and associates.

 

Question #10: How Many People Do You Speak With Each Day About

Real Estate?

This question will tell you how connected an agent is, and how active they’ll

talk-up” your home to buyers, or finding a home for you by talking to other agents.

Hopefully your agent talks to at least 40 people a day about Real Estate. If not, they may

not be very active.

 

Question #11: Do You Personally Spend Money Advertising Your

Services Or Homes For Sale?

This question pertains more to listings, but it’s also a question a buyer should ask

to determine an agent’s commitment to invest in the successful outcome of their client.

There are 2 situations to identify here: 1) agents who are very busy, and who produce a

lot of income for their broker will frequently receive advertising allowances from their

broker. If your agent receives allowances, that’s generally a good sign.

2) However, if an agent is not as busy, OR if their broker does not have an ad

allowance for top producers, you want to learn their commitment to “put their money

where their mouth is” when it comes to marketing your home.

You should also ask to see samples of ads they write for homes they list, and for

their own services. Do the ads appeal to you? Would they make you act? If not, don’t

expect their marketing of your home to be any better.

 

Question 12: Will You Personally Handle Contract Negotiations For

Us?

Surprisingly, many agents simply submit or receive offers, and act as a conduit

between you and the buyer (or seller). That’s not good enough. You want an agent who

has reasonable negotiation skills. You want an agent who’s committed to your interests.

They’ll need to represent you to other agents and buyers/sellers. It’s a good idea

to follow-up the above question by investigating specifically HOW their negotiation

skills saved other clients money, hassles, or help a deal come together.

There Are “Real Estate agents”…

 

Security Tips

Security Tips

  • For your own safety, never set an appointment with anyone to see your home unless they have given you their name and number and you have called back to verify that number. An easy way to do this is to say. “Let me check with my husband/wife for the best time and I will call you back.” Use this method even if you are not married.
  • Never let potential buyers know your schedule. Don’t ever tell them when you won’t be at home, when your spouse won’t be home, when you pick up the kids, when you work, when you will be on vacation, etc.
  • Never give a caller information about your home’s security such as deadlock bolts, security systems, and so forth.
  • Always have a back-up plan when you allow strangers into your home, especially if you have children. Have a neighbor look out for you until the lookers have gone.
  • Never let a stranger into your home without seeing some identification. If the person says he/she is a Real Estate agent, ask for a card, then call his/her office to verify the information if you don’t recognize the person.
  • Keep a log of everyone who has looked at your house. Get their name, telephone number, address, car description, tag number, and any additional information that could be helpful in the event of a future burglary. All of these people would be suspects.
  • If you make a flyer to advertise your home, don’t include any information that might breech security.
  • Remove from sight all valuables, including guns, jewelry, silverware, and collections. Recently, there was an incident in South Florida where a couple was going around with a Real Estate agent and stealing things from houses they visited. The couple actually stole over $150,000 worth of valuables. If possible, screen all potential buyers via a thorough pre-qualification process before you let anyone into your home.
  • Never leave strangers alone, and watch their every move while they’re in your home. One of the latest scams, according to Real Estate Today magazine, involves prescription drugs. A nice-looking, clean-cut couple will make an appointment to view your house. Once inside, one of them will ask to use the bathroom and will search for prescription drugs while inside. There is a huge market for such drugs. So make certain your prescription drugs are well-hidden before anyone looks at your home.

The Importance of an Appraisal

Mr. Rob Zwemmer
760.880.9996

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Money House Daisy Window

The Importance of an Appraisal

An appraiser is a professional person who can tell you what your home is worth. The appraiser will come to your house and list the number and size of the rooms and any extras, such as a fireplace, porch, pool, or garage. The appraiser will compare your home and property to other homes that have sold recently with similar features. The appraiser then estimates that your home might sell for approximately the same amount of money as similar homes. This is called an "appraisal." In short, an appraisal is the estimated amount of money your home may sell for.

What is a Real Estate Appraiser?

A Real Estate appraiser is an impartial, independent third party who provides an objective report on the estimate of value of Real Estate. The appraisal is supported by the collection and analysis of data.

A Real Estate appraiser values real property (land, houses, buildings, etc.), not personal property (cars, jewelry, furniture). The appraiser determines the physical characteristics of the property to be appraised and estimates value based upon three common approaches to value:

  • Sales Comparison Market Approach
  • Cost Approach
  • Income Capitalization Approach

A state licensed Real Estate appraiser meets nationally established standards for education and experience, and successfully passes a comprehensive examination. A state licensed appraiser conforms to national ethical and professional standards, which establish the standards for ethics, competency and confidentiality governing professional appraisal practices.

Home Inspections Are Not Appraisals

A property appraisal is a document that provides an estimate of a property's market value. Lenders require appraisals on properties prior to loan approval to ensure that the mortgage loan amount is not more than the value of the property. Appraisals are for lenders; home inspections are for buyers.

The Federal Housing Authority (FHA), which is part of the U.S. Department of Housing and Urban Development (HUD), requires lenders to obtain appraisals of properties securing FHA-insured loans. FHA requires appraisals for three reasons:

  1. To estimate the market value of the property.
  2. To make sure that the property meets FHA minimum property requirements/standards (health and safety).
  3. To make sure that the property is marketable.

The FHA appraisal process will note property deficiencies that are readily observable and found not in compliance with HUD's minimum property requirements/standards. These deficiencies may not be the same as those items noted in a home inspection report.

When Should I Use An Appraiser?

You will likely need the services of a Real Estate appraiser whenever an estimate of the value of your Real Estate is required. Most commonly, this occurs when you apply for a Real Estate loan, either to purchase or refinance your home. You may also need a Real Estate appraiser to assist in the appeal of your property tax assessment, for insurance purposes, for probate and estate settlements or other reasons.

What's My Property Worth?

It is common to ask the appraiser this question as soon as the appraiser has inspected the property. The truth is at that time the appraiser doesn?t yet know. The inspection is the first step of many that the appraiser must complete before a value is determined.

The appraiser measures the house from the outside to determine square footage. The appraiser takes notes concern- ing the features of your house such as room layout, number of bedrooms, baths, etc. The appraiser also makes a determination of the general condition, appeal and functional layout of your house. All of these items are taken into consideration in the appraisal report.

How Long Does an Appraisal Take?

The physical inspection of a typical property usually takes about twenty to forty-five minutes. Sometimes an inspection can take longer if the house is difficult to measure or has some unique features that require additional investigation by the appraiser.

After the initial inspection of the property the appraiser spends time examining or analyzing the neighborhood or area. The purpose of this is to search for other properties that are similar to the property being appraised that have sold recently and examine neighborhood influences. When the fieldwork is finished, the appraiser completes the report at his office.

What Does The Appraiser Need to Know?

To help the appraiser complete the appraisal, you can provide some information that is helpful. Please tell the appraiser of any previous sale on the property within the last 12 months. Indicate if there is a pending contract to purchase on the property. Does the property have any right of way or other easements? Is there structural damage, or water leakage in the house? Is the property in a flood zone? Basically, inform the appraiser about any hidden features or detriments to the property.

Blueprint

How Do I Choose an Appraiser?

Although federal and state laws usually require that the lender must hire the appraiser when the appraisal is to be used for a Real Estate loan, some lenders will allow you to select an appraiser from their list of approved appraisers. For all other appraisals, you are allowed to select your own appraiser.

Licensed Real Estate appraisers can be found on the internet or by talking to your friends who have previously used an appraiser. Be sure to interview the appraiser carefully to determine if he or she is licensed and experienced in appraising your type of property.

Most licensed appraisers will provide an advance estimate of the cost to perform the appraisal, and many will commit to a fixed fee for the appraisal. It is always wise to obtain a written contract for services which includes a description of what is to be appraised, the scope of the assignment, the anticipated delivery date, the fee and terms of payment.

Trivia Block

The Trivia Block

X-ray technology has shown there are 3 different versions of the Mona Lisa under the visible one!

Contact Information

Photo of Rob Zwemmer  Real Estate
Rob Zwemmer
Keller Williams Realty
47170 Washington Street
La Quinta CA 92253
Toll Free: 800-880-9590
760-601-3000
Fax: 760-544-9996

"Highest Overall Satisfaction For Home Buyers Among National Full Service Real Estate Firms"

Keller Williams Realty received the highest numerical score among full service real estate firms for home buyers in the proprietary J.D. Power and Associates 2009 Home Buyer/Seller StudySM. Study based on 3,138 total evaluations measuring 7 firms and measures opinions of individuals who bought a home between March 2008 and April 2009.

CA. Dept. Real Estate License No. 01702475