Best Buyer Program

My Best Buyer Program is hard to beat when you’re looking for a Realtor to partner with for
your home purchase.

As your real estate professional, you will be working with an experienced Realtor and mortgage
broker with 20+ years of experience on the Central Coast. In addition, I request a discounted
2% commission from the seller. This reduced seller cost can make your offer more attractive
compared with an offer requesting a higher commission. This can leave more room for a seller
credit to you, the buyer. I am completely transparent about my commission structure and buyer
representation agreement, which I explain in more detail below under “Real Estate Changes in
2024 and How They Affect Buyers.”

As the broker and owner of Avalon Real Estate & Home Loans, I have more than 20 years of
experience as both a Realtor and mortgage broker on the Central Coast. I not only know how to
successfully navigate and complete a real estate transaction, but I also understand how home
financing works, which is an important part of most real estate transactions.

As your Realtor, I will respond quickly, including evenings and weekends, to your questions and
concerns and will keep you well informed throughout the buying process. I can also set up an
automated home search so that you and I are notified as soon as a new property comes on the
market that matches your criteria. The best real estate opportunities often move quickly, so
working with a Realtor who is notified immediately when a potential dream home hits the
market—and is prepared to act quickly—is extremely important.

As your loan officer, I can get you pre-approved for your home loan quickly and take the time
to explain the financing details you need to make an educated decision about your home loan
options. I work with a wide range of top mortgage lenders to help find financing options that fit
your unique needs with the most competitive rates. As an added benefit, I offer a buyer credit
when I have the privilege of working with you as both your Realtor and mortgage broker. Ask
me for details about this additional benefit.

If you already have a favorite lender you prefer to work with, no problem. You can still benefit
significantly from working with me as your Realtor who understands home financing. I can point
out property details that may impact your financing and help make sure we structure your
purchase offer in a way that works well with your financing. These are financing considerations
that not all Realtors are familiar with and can help make the purchase transaction go much more
smoothly.

As references, if you would like to hear from my past clients then check out my many positive
reviews online or ask me for references from past clients, local escrow officers, or other
professionals in the industry. Most of my business comes from referrals, so I am happy to
provide references if you are interested.

My goal is to earn your trust, provide exceptional service, and become your trusted real
estate and home financing advisor for years to come—someone you can rely on for your
future needs and feel confident referring to your friends and family.

Real Estate Changes in 2024 and How They Affect Buyers

The real estate industry experienced positive changes in 2024 that brought greater transparency
to the process for buyers and sellers, as well as ensuring commissions are still negotiable.

Sellers no longer advertise compensation to a buyer’s agent when their home is listed for sale on
the MLS. Instead, when a buyer decides to work with a Realtor, the Realtor will present the
buyer with a buyer representation agreement. This agreement outlines the terms of service,
length of time, Realtor compensation, and if there is a cancelation policy.

Most Realtors request 2.5%–3.0% compensation from the seller and may ask buyers to make a
commitment to them for several months. In contrast, I only request a discounted 2%
compensation from the seller. This improves your offer without requiring you to pay more for
the property.

Ultimately, my reduced commission may allow you to pay less for the property. Or, you may
choose to request a seller credit toward your closing costs, while still presenting a competitive
offer.

Here’s an Example:

If you purchase a home for $800,000, another Realtor may request a 3% commission, which
would mean the seller pays $24,000 in buyer-agent compensation. The seller understands that
this reduces their net proceeds from the sale.

When you work with me, I request only 2%, or $16,000, from the seller.

That means the seller’s cost is $8,000 less with my offer than it would be with an offer
requesting 3% compensation. You might decide you want to request an $8,000 seller credit
toward your closing costs. If the seller agrees, you could save $8,000 while keeping your overall
offer competitive with another offer requesting 3% compensation.
Of course, every transaction is different, compensation is negotiable, and any seller credit is
subject to the seller’s agreement and applicable loan guidelines. I will explain the options and
help you determine what makes the most sense for your particular purchase.

You’re Not Locked In If We’re Not the Right Fit

Lastly, if you sign a buyer representation agreement with me and later decide not to work with
me, I give the option to cancel our agreement any time before we have an accepted offer.

If you are not happy with my services, there are no hard feelings. My goal is to earn your trust
and demonstrate my value throughout the process. If I haven’t achieved that, I don’t want you to
feel obligated to continue the relationship.

My goal is to earn your business—not lock you into a contract you are not happy with.

If you have questions about any of these details, please contact me. I would be happy to discuss
the Best Buyer Program, buyer representation, commission structure, or home financing options
with you with no sales pressure.