Financing
Obtaining financing in today's market is more challenging that it
has been for many years. Some homeowners need 20% down,
well documented income and assets, plus excellent credit to
qualify, with much uncertainty in the unsettled credit markets.
Real estate investors must consider a wide array of loan
programs. I will support you through financing process helping
research the type of loans available, comparing terms and
conditions under various scenarios, then identifying which loan
best meets your specific needs and objectives. You can check
out example loan scenarios that estimate total monthly
housing expenses, costs of renting versus buying, and the
availability of loan programs for first time homebuyers.
Obtaining financing in today's market is more challenging that it
has been for many years. Some homeowners need 20% down,
well documented income and assets, plus excellent credit to
qualify, with much uncertainty in the unsettled credit markets.
Real estate investors must consider a wide array of loan
programs. I will support you through financing process helping
research the type of loans available, comparing terms and
conditions under various scenarios, then identifying which loan
best meets your specific needs and objectives. You can check
out example loan scenarios that estimate total monthly
housing expenses, costs of renting versus buying, and the
availability of loan programs for first time homebuyers.
Is It Better to Rent or Buy?
A critical decision potential buyers face is whether to rent or
buy. The decision has become more complicated in the wake of
recent market developments. This easy to use spreadsheet
allows you to assess the financial impact of your decision over
time. Contact David for your rent vs. buy analysis to see what's
right for you! View an example
A critical decision potential buyers face is whether to rent or
buy. The decision has become more complicated in the wake of
recent market developments. This easy to use spreadsheet
allows you to assess the financial impact of your decision over
time. Contact David for your rent vs. buy analysis to see what's
right for you! View an example
Buying Real Estate Today
The proliferation of real estate information has left many
consumers suffering from “data overload”, sifting through
market listings and various web sites. Researching potential
properties requires extensive time and effort, including
comparable sales, local schools, environmental conditions,
zoning regulations, building codes, neighborhood conditions, and
other factors that may affect property valuation and desirability.
Based on feedback from buyers, there is a real need for a flexible
decision support system that reflects specific, unique wants and
needs to better search for the right properties, and comparisons
of those properties to help make the best decisions possible.
Potential buyers want to know where the market is price and
availability wise with respect to their specific wants and needs in
their target areas. With so many questions and factors to
consider, today’s real estate buyer values an agent who will
spend the time to answer all their questions, thoroughly
research all pertinent information, and provide unbiased advice.
The proliferation of real estate information has left many
consumers suffering from “data overload”, sifting through
market listings and various web sites. Researching potential
properties requires extensive time and effort, including
comparable sales, local schools, environmental conditions,
zoning regulations, building codes, neighborhood conditions, and
other factors that may affect property valuation and desirability.
Based on feedback from buyers, there is a real need for a flexible
decision support system that reflects specific, unique wants and
needs to better search for the right properties, and comparisons
of those properties to help make the best decisions possible.
Potential buyers want to know where the market is price and
availability wise with respect to their specific wants and needs in
their target areas. With so many questions and factors to
consider, today’s real estate buyer values an agent who will
spend the time to answer all their questions, thoroughly
research all pertinent information, and provide unbiased advice.
David Jordan
Green Real Estate Agent
Realty World Northern California
Direct: 408-315-9002
E-Fax: 408-521-9190
Email: djordan@cruzio.com
Green Real Estate Agent
Realty World Northern California
Direct: 408-315-9002
E-Fax: 408-521-9190
Email: djordan@cruzio.com
How I Help Buyers Find The Best Property
My clients and I work discuss their specific requirements for location, property amenities and characteristics, and
investment potential. I build a model which concisely describes each client's unique set of requirements, including
must have, must not have, want to have, and don't want to have criteria. After your profile has been built, it is
compared to available market opportunities, and limited set of best fit properties are quickly identified. Your profile
can be easily modified as your priorities and needs change.
Each of the best fit properties are extensively evaluated based on all of your unique wants and needs. Your
evaluations are plugged into the model. The model then generates easy to read stacked bar charts illustrating how
well each best fit candidate ranks. Because there are so many factors to consider and weigh, this decision support
system has been invaluable to many clients who want to make one of the most important decisions they will ever
make a good decision for them. Click here for an example.
I support and guide my clients through the entire process, from writing and presenting an offer, to thorough review
and analysis of disclosures, inspection reports, building codes and zoning ordinances, and more. A detailed project
management task list is created and maintained for my clients, so that they are always in the loop about what is
going on and what needs to be done and when.
Home buyers today face an array of challenges, starting with financing and purchase costs. Early in the process I
prepare an Estimated Buyer's Cost Sheet for my clients, enabling them to consider total monthly housing expenses,
closing costs, loan terms and prepayments.
My clients and I work discuss their specific requirements for location, property amenities and characteristics, and
investment potential. I build a model which concisely describes each client's unique set of requirements, including
must have, must not have, want to have, and don't want to have criteria. After your profile has been built, it is
compared to available market opportunities, and limited set of best fit properties are quickly identified. Your profile
can be easily modified as your priorities and needs change.
Each of the best fit properties are extensively evaluated based on all of your unique wants and needs. Your
evaluations are plugged into the model. The model then generates easy to read stacked bar charts illustrating how
well each best fit candidate ranks. Because there are so many factors to consider and weigh, this decision support
system has been invaluable to many clients who want to make one of the most important decisions they will ever
make a good decision for them. Click here for an example.
I support and guide my clients through the entire process, from writing and presenting an offer, to thorough review
and analysis of disclosures, inspection reports, building codes and zoning ordinances, and more. A detailed project
management task list is created and maintained for my clients, so that they are always in the loop about what is
going on and what needs to be done and when.
Home buyers today face an array of challenges, starting with financing and purchase costs. Early in the process I
prepare an Estimated Buyer's Cost Sheet for my clients, enabling them to consider total monthly housing expenses,
closing costs, loan terms and prepayments.
Investors
Yesterday’s classic real estate investor was concerned primarily with cash flow. The objective was to maintain a
positive cash flow with each investment property. Recently, in Santa Clara and Santa Cruz counties, the market
has changed drastically due to a new breed of investor, the “flipper”.
Today’s investors are demanding more and better information about their real estate investments. Today’s
investors must strive to keep up with a dynamic market, and adapt investment strategies accordingly.
Today’s investors want to identify the best “bang for the buck” available on the market based on their specific
wants and needs. In many cases, homeowners must balance multiple interests, such as desirable property
amenities and location, with investment potential. Investors need to understand all these important factors, and
they need to be able to weigh them to make wise real estate investment decisions.
I closely work with my clients to understand all their unique investment objectives. Once your objectives and
requirements are determined, I create a set of spreadsheet tools for collection and analysis of important
information. Together we discuss and review real estate scenarios for cash flow, loan risk analysis, and
appreciation forecast models. As a result, you are able to make the best real estate investments for you.
Yesterday’s classic real estate investor was concerned primarily with cash flow. The objective was to maintain a
positive cash flow with each investment property. Recently, in Santa Clara and Santa Cruz counties, the market
has changed drastically due to a new breed of investor, the “flipper”.
Today’s investors are demanding more and better information about their real estate investments. Today’s
investors must strive to keep up with a dynamic market, and adapt investment strategies accordingly.
Today’s investors want to identify the best “bang for the buck” available on the market based on their specific
wants and needs. In many cases, homeowners must balance multiple interests, such as desirable property
amenities and location, with investment potential. Investors need to understand all these important factors, and
they need to be able to weigh them to make wise real estate investment decisions.
I closely work with my clients to understand all their unique investment objectives. Once your objectives and
requirements are determined, I create a set of spreadsheet tools for collection and analysis of important
information. Together we discuss and review real estate scenarios for cash flow, loan risk analysis, and
appreciation forecast models. As a result, you are able to make the best real estate investments for you.
David Jordan
Green Real Estate Agent
"Turning A New Leaf"
Green Real Estate Agent
"Turning A New Leaf"
Integrity Commitment Results
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