ABOUT
SELLERS
BUYERS
Buying a home is one of, if not, the biggest milestone in your life. Given this, you have to be prepared and proactive – but where do you start? My approach is to hold your hand through your process of self-discovery in a simple over-arching process: Keeping you updated on the current and forward looking economic market, sending you personalized listings that are on and off-market, scheduling private tours or sending you recorded walkthroughs upon request to ensure you are seeing inventory, triangulating with the other agents to ensure we have a pulse on competing activity, review & summarize property disclosures to call-out all of the downside risks of a home, and ultimately hone your internal “value-board” so that you will make a decision in complete confidence.
Important to keep in mind:
A common misconception is not speaking with an agent early on because “they aren’t ready yet”, and this is far from the truth. Similar to most purchases in life, a person does dozens if not hundred of google searches and review reads before even trying an item on in-person at a store, and unfortunately, a home cannot be returned with a QR code at your local Whole Foods. Speaking with an agent that can explain the process to them and create structure that is mentally tangible will make them infinitely smarter, savvier, and edgier buyers in the market.
From here I will send you curated listings manually that are both on and off the market. I will not put you on an auto generated system pull of every home in your target district, but homes that I believe truly fit your heart and budget. I am always available to set up private showings, but early on in your search I will go out to homes that pique your interest and send over a recorded walkthrough.
I will explain how a loan officer decides your budget so that you have a rough idea of your affordability before getting preapproved. This being said, I don’t want to diminish the importance of getting preapproved because this will truly set the framework around what your actual budget is, and ultimately help us zero-in on homes you can afford or aspire to.
When you are ready, I will connect you with my preferred loan officers from the top lenders with the lowest rates. By getting preapproved with multiple lenders, you give yourselves optionality, peace of mind that you’re getting the best rate, and only completing a credit check one-time since they are completed within the regulated time frame for a hard inquiry.
I will speak to your loan officers to ensure that our terms can be comfortably executed. I will speak to the listing agent to gather final activity data on the home. And finally, we will reassess our valuation before creating our offer presentation.
While continuing to provide my services shown under “Research”, I will match your momentum by ramping up listings and providing real commentary on the videos I send over so that by the time you have made a decision to make an offer on a home, you would have seen hundreds of homes. This eliminates buyers’ remorse and ensures that you know what you are buying because your internal value-board has been matched.
I will speak to your loan officers to ensure that our terms can be comfortably executed. I will speak to the listing agent to gather final activity data on the home. And finally, we will reassess our valuation before creating our offer presentation.
How much can I afford?
What can I afford?
I want to spend this much each month
You can afford:
With a monthly payment of:
You can afford:
Get In Touch
James Kil is a licensed professional who is experienced in arranging for real estate transactions, including but not limited to fostering buyer and seller relationships, as well as representing one or both parties during negotiations. During these negotiations, James Kil is perfectly capable of communicating with each involved party and navigating their interests. For the benefit of both parties, James Kil focuses on profitability for sellers and a fruitful, comfortable buying experience for buyers. Of course, James Kil does this all without alienating either nor jeopardizing their assets. At the end of the day, James Kil strives to make clients sell their homes at a sizable profit and let buyers attain their dream homes.
James Kil
CALDRE 02120566
James Kil
CALDRE 02120566
NAVIGATION
LEAVE IT TO ME
James Kil
CALDRE 02120566
NAVIGATION
LEAVE IT TO ME
James is a native San Franciscan and has been in the industry since 2012. James' expertise is grounded in risk-averse assessments and analysis. He specialized in junior mortgage loans before honing his abilities in risk mitigation before becoming a mortgage underwriter for Wells Fargo. He eventually found himself in a position as a leading mortgage/asset expert as a Capital Markets Associate on the secondary markets. His background allows him to comfortably tune in to the ebbs and flows of the ever-changing market and provide uniquely catered advice to anyone. He has built an extensive team of partners, e.g. stagers, tilers, contractors, painters, floor guys, stagers, movers, cleaners, and lenders.
The property information herein is derived from various sources that may include, but not be limited to, county records and the Multiple Listing Service, and it may include approximations. Although the information is believed to be accurate, it is not warranted and you should not rely upon it without personal verification. Not intended as a solicitation if your property is already listed by another broker. Affiliated real estate agents are independent contractor sales associates, not employees. ©2023 Coldwell Banker. All Rights Reserved. Coldwell Banker and the Coldwell Banker logos are trademarks of Coldwell Banker Real Estate LLC. The Coldwell Banker® System is comprised of company owned offices which are owned by a subsidiary of Anywhere Advisors LLC and franchised offices which are independently owned and operated. The Coldwell Banker System fully supports the principles of the Fair Housing Act and the Equal Opportunity Act.
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