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Free Reports


Free Financial Reports For First-Time Buyers

  How First Time Buyers Can Protect Themselves During The Mortgage Process   
(You Need This Publication)
Should I Ask The Seller For Credit?
Should The Seller Fix a Defect, Credit The Buyer, Or Lower The Price?      
(Buyers Always Ask This)
How Can I Reduce My Closing Costs?    
(This May Be Even More Important Than a Lower Purchase Price)
What Are Junk Fees From Lenders?      
(You Need To Be Able To Identify Junk Fees From Lenders Right Away)
Is It Really Possible To Buy With Nothing Down?    
(Yes and No)
Points Or No Points?     
(Find Out How To Determine Whether It Is Worth It To Buy a Rate Down)
  What Are The Expected Closing Costs?   
(Find Out What Costs Will Always Be Part of Your Purchase)
  Credit Do's and Don't During The Mortgage Process    
(If You Don't Follow These, You Could Lose Your Transaction)
  How To Find Out What The Loan Officer Is REALLY Getting Paid
(Knowing This Will Ensure That You Do Not Overpay For Your Loan)

Free Real Estate Transaction Reports for First Time Buyers

How To Decide Which Home To Buy?
Five Ways To Avoid Buying a Bad Condo
How Will I Know What To Offer?
How Can I Improve My Real Estate Offer?
Pre-Offer Considerations For Home Buyers
Pros and Cons of Contingent Offers
Questions Every Buyer Should Ask
Should Buyers and Sellers Ever Meet?
What Happens After The Offer Is Accepted
What Home Inspections Do Not Cover
What Is An As-Is Sale?
What Liability Does the Condo Converter Have For Defects?

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Brought To You By
Mark Harmon, Realtor

CalHFA Preferred Loan Officer
USA Realty and Loans

Brokerage Main Office
3994 Carson St.
San Diego, CA 92117