marie j. hermoso, REALTOR® dre #02235736
About Me
My name is Marie and I'm a family-oriented REALTOR® bringing a fresh perspective to San Diego's real estate market. With a background spanning over 15 years in the retail and restaurant industries, I've cultivated invaluable communication skills and an extensive network of connections. As a proud mother of three and the wife of an Army veteran, I deeply understand the importance of finding the perfect home and navigating the challenges of relocation.
Having lived on both the East and West coasts as well as in Hawaii, I have a profound appreciation for diverse communities and cultures. Fluent in Tagalog and Ilokano, I am uniquely equipped to assist military families in finding their ideal home in San Diego. Whether it's navigating the complexities of relocation or helping clients plant roots in a new community,
I am dedicated to providing unwavering support and guidance throughout the entire process. Outside of real estate, my passions extend to cooking, baking, and creating art through painting and photography. I find joy in preparing multi-cultural cuisines for my loved ones and cherish our adventures exploring nature and visiting Walt Disney World as a devoted Disney mom. With my warm demeanor, genuine enthusiasm, and vibrant energy, I am committed to making your real estate journey not only successful but also enjoyable and memorable. I look forward to the opportunity to work with you and help you achieve your real estate goals.
Contact Details:
☎️
619-793-3360 (OFFICE)
760-888-6480 (text MARIEH8)
Explore Our Stunning Properties Gallery
1274 Georgia Street
Imperial Beach, CA 91932
JUST SOLD!
1274 Georgia St. Imperial Beach, CA 91932
2 beds/ 1 bath
850 sq ft
JUST SOLD!
1335 Holly Ave Imperial Beach 91932
3 beds/ 2.5 baths
1600 sq ft
ACTIVE!
THE HOME BUYING GUIDE
1) Meet with a real estate professional
Discuss the type of home
you’re looking for, including
style, price, and location. Take
this time to formalize your
partnership by signing the
Buyer Representation
Agreement.
2) Get Pre-Approved
You will need pay stubs,
W2s, and bank statements.
Knowing what you can
afford is critical to a
successful home shopping
experience.
3) Search For Homes
4) Make An OfferAnd Negotiations
The fun part! I will
schedule showings and help
you find the perfect home that .
meets your criteria. Determine your needs vs wants. For Instance:
- -Location
- -Price change (Know your budget)
- -How many bedrooms, baths, square footage etc
- Style of the home (detached, condo, mobile home, duplex)
*HOA fees & Mello Roos Fees
- Desired condition (old or newly built) *Private Mortgage Insurance
*VA loans won’t approve distressed properties
4) Make An OfferAnd Negotiations
4) Make An OfferAnd Negotiations
4) Make An OfferAnd Negotiations
I will prepare the
offer based on the price
and terms you choose. We have to make sure we ask the seller for "Direct Compensation from Seller". If you are not paying me(your agent) via direct pay of my compensation.
First, I will be using my real estate tools such as: Comparative Market Analysis, RPR, RVM, Multi Listing Services (MLS). These tools will help me compare homes in the market and put the best offer. With the support of my team, we understand the supply and demand. When we put an offer, we are negotiating.
- Requesting contingencies such as home inspections, appraisal and repairs,
- Asking the seller to help with closing costs or buy down rates
- CREATING A STRATEGY, WE DO NOT MAKE MULTIPLE OFFERS,
MAKE THE FIRST OFFER THE BEST OFFER!
5)Contract
4) Make An OfferAnd Negotiations
6) In Escrow
Congratulations! You're offer is accepted. Now what?
- Have all the documents ready and prepared
- For VA COE, VA loan approval, SS#,
phot ID, pay stubs , proof of earnings in the last 2 years
- Accounts for savings and checking
- Outstanding loan balance
such as auto loans, students loans, credit cards, alimony, child support
-Current address for the past two years
*During the home buying process: DO NOT purchase furniture, spend big amount of money, buy a new car, max credit cards, close bank accounts/ credit cards, most importantly quit your job.
6) In Escrow
4) Make An OfferAnd Negotiations
6) In Escrow
- Have down payment and closing cost ready whether cash, check or money order.
*BEWARE OF WIRE FRAUD*
*DO NOT SEND MONEY TO ANYBODY THAN THE ESCROW COMPANY
THEY WILL CALL YOU, NOT TEXT NOR EMAIL.
ALWAYS ASK ME FIRST BEFORE WIRING MONEY
*WHEN IN DOUBT, STAY OUT!
During the Escrow, these steps are also essential:
- Home Inspection
- Get Homeowners Insurance
- Appraisal
- Title Search
- Loan Approval
7) Final Walk Through
- Buyer will do the final walk through, not agent.
- Check if the the condition is in the same condition the day the offer was made.
- Ensure that all repairs are made
- Ensure that the owner and his belongings are vacated.
8) Prepare For Closing
If there are major problems, the buyer may delay the closing and ask the seller to fix the problems when the negotiations were made.
- GATHER ALL THE REQUIRED DOCUMENTS AND FORMS
PHOTO I.D.
SALES CONTRACT
PROOF OF HOMEOWNERS INSURANCE AND OTHER INSURANCE CERTIFICATES
HOME APPRAISAL
HOME INSPECTION REPORTS
CERTIFIED CHECK, CASHIERS CHECK OR WIRED FUNDS FOR THE DOWN PAYMENT, CLOSING COSTS.
9)Closing
This is the transfer of
funds and ownership.
A title company or an
attorney typically acts
as an independent third
party to facilitate the
closing.
WHO ATTENDS:
- The buyer
- The seller
- The real estate agents of the buyer and seller
- Escrow agents
- Closing agents( Title company)
- The lender
- Attorneys if applicable
*For VA:
YOU MUST PAY THE VA FUNDING FEE AND LENDER‘S ORIGINATION FEE.
YOU’RE A HOMEOWNER, CONGATULATIONS! HERE ARE YOUR HOME KEYS!
You're a Homeowner, Congratulations!
You're a Homeowner, Congratulations!
WE DID IT TOGETHER!
I will always keep in contact with you and will always be here if you need me. Don’t forget to refer me!
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