Win in every Market

Many home buyers are unprepared, leading to rejected offers. It’s not just about having the highest bid—strategies matter.

I’ve helped clients win their dream homes without being the highest bidder and I want to help YOU win.

Knowledge is power; the right information can prevent costly mistakes and speed up your journey.

I’ll share proven strategies to help you succeed in this video series. Schedule a home buyer consultation with me today for more personalized guidance!

Nancy and Mario Carmona – The Carmona Team.

Nancy Carmona – CA DOI License#: 4136325 NMLS#: 1891100 DRE#: 02178310 | Mario Carmona – CA DOI License#:4247087 NMLS#: 1891095 DRE#: 02219377

1. Lenders can make or break your chances

Show me the money!

The first step of every successful home buying journey is figuring out financing.

A good mortgage professional will help you understand your situation and create a roadmap for qualifying for a mortgage.

Not all preapprovals are equal.

Do not cut corners – choose a lender who requires income documentation and at least a soft credit check.

Work with a responsive lender who communicates well and is available on weekends, as offers are often reviewed on Mondays. The wrong lender could be a disadvantage in a competitive market.

2. Understand pricing

What price much to offer?

Let’s discuss pricing. Great technology exists for agents to give you a current market snapshot.

A good agent should educate you about the specific cities you’re searching in.

Markets differ significantly by city, neighborhood, and house. The market is driven by supply and demand.

Here’s a crucial tip: sometimes agents list homes below market value to drive activity. For example, if a home is listed at $900,000 but similar homes in the area sold for $1 million, offering $1 million is actually offering what the home is worth.

Understanding this concept can give you a competitive advantage, even though it’s natural to feel uneasy about the gap between the listing price and the home’s actual value.

3. Winning Offer strategies

So, You’ve found your dream home and you’re ready to make an offer. Besides the amount of money you offer, other factors can make your offer stand out. While the dollar amount is important, it only accounts for about 60% of the seller’s decision. Terms and communication each account for about 20%.

Communication is key. Sellers and their agents prefer a smooth transaction and pay attention to how well the opposite side communicates. Good communication can indicate how smoothly the process will run. I build relationships with the listing agents from the start, even before my clients decide to make an offer. This investment in communication can pay off when submitting an offer.

You also have control over inspection, appraisal, and loan contingencies. Shortening these contingency periods, even slightly, can help your offer stand out. It’s important to understand the risks and responsibilities involved, which a good agent should discuss with you before placing an offer.

This is a deep and important topic, so feel free to reach out if you want to discuss it further. See you next time!

4. The right realtor makes the difference

For most of us, purchasing a home is the biggest investment we’ll ever make. Even if this isn’t your first home, the market changes significantly over time. Not having a professional agent who is in tune with the market and willing to educate you can mean missing out on great opportunities.

A common question I get is whether it’s better to work directly with the listing agent. I liken it to a legal dispute—would you want both parties represented by the same lawyer? Probably not. While many agents are ethical and trustworthy, having a loyal advocate solely on your side is crucial.

A quality agent will take the time to go over the information in these videos, which are just an introduction and not a replacement for a proper consultation. I hope you’ve found this information valuable. Whether or not you have an agent, I’m happy to discuss these topics in more depth.

I want you to succeed and have a positive experience. Feel free to call me or schedule a consultation to discuss your needs.

As a listing agent, I recently had the pleasure to work with Nancy who represented the Buyers in the transaction. Though we received 30+ strong offers, Nancy's professionalism and responsiveness helped her Buyer's offer stand out. Her understanding of what the Sellers were looking for enabled her to guide her Buyers in submitting an offer that was ultimately accepted, even though there were offers higher than what her buyers submitted.. I would jump at the opportunity to work with Nancy in the future!

If you're a first-time homebuyer or even an experienced one, I can't recommend Nancy highly enough. Her unwavering patience, in-depth knowledge, and commitment to providing a seamless experience make her the perfect choice for anyone looking to purchase a home. She turned what could have been a daunting process into a smooth and enjoyable one, and for that, I am truly grateful. Nancy is not just a realtor; she is a trusted partner in one of life's most significant decisions. Thank you, Nancy, for helping me find the perfect home!

I've been an RE Agent for 23 years. Nancy Carmona represented the Buyer. Nancy always answered her phone, texts & emails. She updated me & solved numerous, unusual challenges. Nancy also has a consistent positive attitude. She was so refreshing because she WORKED! I would work with her anytime!

My first home buying experience with Lock Rate Mortgage was amazing. We had a few bumps in the road, Nancy and her team where there for any questions at anytime! They are caring, hardworking and compassionate. I 5 out of 5 recommend them for your next home purchase!!

For someone who bought a home for the first time, I have never felt more comfortable, cared for, and respected. Nancy walked us through the whole process seamlessly. Nancy and Mario would support us at any time. When we had questions, they were efficient, and concise. They made the experience such a joy. It was so amazing, I even considered buying another house. I have and will refer them to anyone who is looking to purchase a home.

Nancy was our realtor and she was with us every step of the way. She found us our dream home and was very supportive with her experience and knowledge.

Nancy is a very friendly and knowledgeable realtor. She listens to your wants and needs while she searches for listings that match. She always arrives on time and provides all the answers to your questions. She truly made the home buying process an excellent and stress free experience. I have already recommended her to family and friends!

Questions?

We are here to help!

Nancy Carmona – CA DOI License#: 4136325 NMLS#: 1891100 DRE#: 02178310 | Mario Carmona – CA DOI License#:4247087 NMLS#: 1891095 DRE#: 02219377