How to Buy Your Home

About this Guide

Don’t Overpay When You Buy

Been there, done that? Not so fast. Most of us only buy a handful of homes during our lifetime, often making those missteps that deny us of loftier domiciles. Fear not. Membership to Club Savvy may yet be yours. With your “Playbook”, How to Buy Your Home, uncover strategies to maximize your purchasing power. Discover ways to find the deals that other buyers miss.

Strategies and preparation create powerful allies when leveraging your opportunity.  Be prepared and minimize acquisition and closing costs with your plan. Be sure to explore  strategies to land a great agent negotiating in your corner.

Karen Van Ness portrait

Karen Van Ness

Realtor CA DRE# 01354837

46 years in Real Estate

Call or Text 858-699-6409

Ray Broemmelsiek portrait

Ray Broemmelsiek

Realtor CA DRE# 01943093

HomeToHome Creator

How to Buy Your Home

HOME PLAN

Understand value, save money, and spot opportunities others miss.

ChatGPT Plus required

DEMO AGENT SERVICE PLAN

From your Tool Box

Selected tools for your Guide

Follow Your Agent’s Plan

SERVICE PLAN

FOLLOW YOUR AGENT’S PLAN RELAX & COMMUNICATE.

AGENT CONSULT

YOUR AGENT’S EXPERIENCE & EXPERTISE AT YOUR CALL

QUESTIONNAIRE

PREPARE FOR YOUR AGENT CONSULTATION

Follow Your Lender’s Plan

FINANCE PLAN

FOLLOW YOUR LENDER’S PLAN RELAX & COMMUNICATE.

LENDER CONSULT

YOUR LENDER’S EXPERIENCE & EXPERTISE AT YOUR CALL

Choose Your Loan

LOANSENSE 

ALL-PURPOSE LOAN RATING AND FEE DETAILS

ARMSENSE

DETAILS FOR ARM’S (ADJUSTABLE RATE MORTGAGES)

Choose Your Home

NEXT DREAM

DESCRIBE YOUR NEXT DREAM HOME

RATE THIS HOME

RATE COMPARABLE HOMES

MAP HOMES

A MAP OF HOMES YOU RATED

Prepare Your Offer

MARKET PRICE

DETERMINE YOUR HOME’S MARKET PRICE

Close Your Transaction

CASH TO CLOSE

ESTIMATE YOUR CLOSING COSTS FOR BUYING SELLING

ESCROW

YOUR LIBRARY OF REFERENCES FOR CLOSING YOUR TRANSACTION

Grow Your Wealth

CASHFLOWS

ESTIMATE YOUR HOME’S AFFORDABILITY, OR ITS INCOME AS AN INVESTMENT

Share Your Success

GIFT A FRIEND

SHARE YOUR DISCOVERY WITH A FRIEND OR FAMILY

Help yourself to some unexpected happiness

Example Rebate and Discounts

2024 is reforming the way homes are bought and sold. Until July 15th, home buyers & sellers have window of opportunity to save additional money. Pick your Plan below or contact us.

Buying & Selling? Have your Cake and Eat it Too.

AI INSIDE

Meet your AI Service Team

In your Service Plan & at your service

Al Ethics Advisor

I help you manage risk & compliance oversight, from Lead to Client for Life.

AI Ethics Advisor Video Guide (included)

Al Forms Librarian

I’m the Librarian of Forms & Fields to help you with any forms.

AI Forms Librarian Guide (included)

Al Purchase Agreement Specialist

I am at your service to provide expertise in the Residential Purchase Agreement.

AI Purchase Agreement Video Guide (included)

Meet your Agent’s AI Marketing Hub

In your Service Plan & at your service

Transparent Agent Service

When stakes are high, trust & verify. Know what’s happening at each step.

Video Guide (included)

The List Maker

The Al-Powered Listings Prospector to Make Hotspot Homeowner Lists and Connect.

AI Listmaker Video Guide (included)

AI Marketing Shaman

Let me help you with your favorite social media channels, email, & KVCore.

AI Marketing Shaman Video Guide (included)

Meet your Agent’s Support Services Team

In your Service Plan & at your service

Al Sales & Negotiating Coach

I’m here to help you successfully negotiate your transactions.

AI Sales & Negotiating Video Guide (included)

Al Transaction Coordinator Plan

AI Powered TC Plan to boost your compliance & timeliness.

AI TC Video Guide (included)

Client Care Specialist Plan

AI Powered Plan for your VA’s to boost your Client Care.

AI Client Care Video Guide (included)

The Proof with the Promise

“74% of people say they would use their real estate agent again, but only 26% do.”

National Association of Realtors (NAR)

Checklist builds a bridge of trust

Complementary HomeToHome for Buyers & Sellers

Still Not Sure?

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Take it for a long Test Drive.

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If you are not completely convinced that your Home To Home will :
1. Increase your opportunities to save money
2. Empower your negotiating
3. Improve your final results
It won’t cost you a penny and we part as friends.
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IMPORTANT : Please read the Disclaimer.

Home to Home is a trademark of Home to Home Systems.