Nevada, Placer, Yuba, Sutter Counties, Nevada City, Grass Valley and Penn Valley real estate and homes for sale in California - Mimi Simmons, REALTOR® REALTOR® Logo - NUMBER1EXPERT™ NUMBER1EXPERT™ Logo
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All agents are NOT alike! Find out why I am a top real estate expert. Call me: 530-265-7940.

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First Time Home Buyers
Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? Real Estate Agents Are Your Professional Guides. Make Sure You Choose a Top Expert. 

You might be a bit afraid or intimidated by the whole process of buying your first home. As a top Nevada City, Grass Valley and Penn Valley real estate expert, it's my job to guide you, from beginning to end. 

I will take the time to go through each and every step of the buying process. There are no dumb questions! 

Together, we will consider: 

- How much can you really afford? 

- How to qualify for a mortgage. 

- How much cash you should put down. 

- How to buy a home with little or nothing down. 

- What it takes to get approved for financing. What banks and other financial institutions are looking for. 

- How much your payments will be. 

- The tax advantages of buying. 

- Is renting or buying better for you? 

Tell me a bit about your situation below. I'll get right back to you. There is absolutely no charge, and I offer this to you with no strings attached. 

New to the home buying process? Tell me your concerns. Ask me questions. It's my job to help! There's no obligation, and I promise to get back to you quickly... 

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Real Estate Tips
Working With An Agent >An Agents Role

Recent reforms in the disclosure laws and real estate practices around the country have resulted in new options for buyers and sellers. Real estate agents can take different roles with buyers and sellers.

A seller's agent works with loyalty and fidelity as the seller's advocate and negotiator, and is obligated to disclose to potential buyers all adverse material facts that are known about the property.

A buyer's agent works exclusively to negotiate the lowest purchase price and best terms for the buyer. This agent serves the buyer with undivided loyalty, confidentiality, and full disclosure. The agent would know the highest price that the buyer would be willing to offer for a home, but could not disclose that information to the seller.

A dual agent can work for both the buyer and the seller by written, informed consent of both parties and has fiduciary obligations to both. The agent can only disclose to one party what the other party allows to be revealed.

A transaction broker assists the buyer or seller or both throughout a real estate transaction without being an agent or advocate for any of the parties.

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Real Estate Trivia
Q 
Originally incorporated under the name Georgiana, what is the oldest incorporated city in the United States?

A 
York, Maine, which received an English charter in March 1642, is the oldest incorporated city in the U.S.
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Mimi Simmons, REALTOR®, real estate agent and broker for Nevada City, Grass Valley and Penn Valley, California home listings, property and land for sale - NUMBER1EXPERT(tm)

Mimi Simmons
ERA Cornerstone Realty Group

101 Boulder Street
Nevada City, CA 95959
530-265-7940
Fax: 530-470-0839
mimisimmons@NUMBER1EXPERT.com

When you want the very best, Mimi is your agent! 5th generation Native of Nevada County and 26 years of real estate brokerage experience, Mimi's reputation exceeds her clients' expectations. Founder of ERA Cornerstone Realty Group, Mimi's energy and enthusiasm has taken her to the ceiling of sales performance, ranking in the top 1% in Nevada County for over 12 years and in the Top 20 Brokers in the USA with ERA National, closing up to $40,000,000 annually in past years. Mimi's knowledge of homes and land gives her clients the edge in their property buying process. She is an expert in handling negotiations and contracts and has unmatched passion for real estate. She has daily knowledge of the changing industry. Her Team gives her clients the level of professionalism expected in today's highly competitive market. On top of Mimi's real estate expertise, she is extremely involved in the community. "The best real estate experience we have ever had", is a quote from a Bay Area couple. Call Mimi right now and find out for yourself at 530-362-0010.

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