“ I am very appreciative of Theresa’s services. I was a first time home buyer and I was trying to get my young family into a new home. She was very proactive in identifying listings and always willing to dispense worthwhile advice. I found her to be very honest, ethical and forthright. With her help we were able to find the absolute perfect house at the perfect price. I would recommend Theresa to anyone looking to purchase a home.”
— Geno Hammer, Ventura, California


Buying a home is an exciting time in one’s life. Making the smart move of choosing a REALTOR is your first step to ensuring that your new home and community meets your needs. My services and experience range from financial aid to helping you find the home that best suits you and your family. I pride myself on repeat business and hope you’ll come to understand why.


    Assure that you see all the properties in the area that meet your criteria.
    Guide you through the entire home buying process, from finding homes to look at, to getting the best financing.
    Make sure you don’t pay too much for your new home and help you avoid costly mistakes.
    Answer all of your questions about the local market area, including schools, neighborhoods, the local economy, and more.

Before You Start Looking For Your New Home:

    Check your credit rating. Straighten out any errors before its too late.
    Determine a comfortable monthly budget for your new purchase, including down payment and monthly payment.
    Find a loan program that meets your needs and get pre-qualified (preferably pre-approved).
    Choose a REALTOR that you trust and who understands your needs.
    Determine what neighborhood best matches your needs.
    Identify important features you need your new home to have.

Closing Costs to Expect:

    Lender fees include charges for loan processing, underwriting, preparation and establishing an escrow account.
    Third-party fees include charges for insurance, title search, and other inspections such as termites.
    Government fees include deed recording and state & local mortgage taxes.
    Escrow and interest fees include homeowner’s insurance, loan interest, real estate taxes, and occasionally private mortgage insurance.