#agent – Artisan Sotheby's International Realty

Closing Costs: What Buyers & Sellers Should Expect in 2025

When buying or selling a home in 2025, remember to consider more than just the price. Closing costs are fees you need to pay at the end of the real estate transaction. It’s important to budget for these costs.

Whether you’re a first-time buyer or a seasoned seller, knowing about closing costs ahead of time helps you avoid surprises and plan your finances better.

Closing Costs for Buyers

For buyers, closing costs typically range between 2% and 5% of the purchase price. These costs may include:

Loan Origination Fees – Charged by your lender to process your mortgage.
Appraisal Fee – Ensures the property’s value matches the purchase price.
Credit Report Fee – Covers the cost of your credit check.
Title Search & Title Insurance – Protects against title disputes.
Home Inspection Fee – Provides peace of mind before purchase.
Escrow Fees – Paid to the escrow company overseeing the transfer.
Prepaid Property Taxes & Homeowners Insurance – Collected upfront for your escrow account.
Recording Fees – Charged by the county for legal documentation.

Tip for Buyers: Always review your Loan Estimate from the lender, as it outlines your expected buyer closing costs, so you can plan.

Closing Costs for Sellers

Sellers face their own set of fees, which typically fall between 8% and 10% of the home’s sale price (largely due to commissions). Common seller closing costs include:

Real Estate Agent Commissions – Usually 5%–6%, split between buyer’s and seller’s agents.
Title Insurance (for the Buyer) – Often paid by the seller, depending on local custom.
Escrow Fees – Shared with the buyer.
Outstanding Taxes or HOA Fees – Must be settled before closing.
Repairs or Credits – Negotiated during inspection.
Attorney Fees – Required in some states.

Tip for Sellers: Ask your agent for a net sheet. It gives a clear estimate of your proceeds after seller closing costs are deducted.

Average Closing Costs Breakdown

Buyers: 2%–5% of purchase price

Sellers: 6%–10% of the sale price

Example: On a $500,000 home:

Buyers may spend $10,000–$25,000.

Sellers may spend $30,000–$50,000.

You can use this calculator to estimate your closing cost.

Is it possible to negotiate closing costs?

Many closing costs are negotiable. You should discuss fees like origination fees with your lender and compare prices for services such as title insurance and home appraisals. Sellers can also help by covering some costs through “seller concessions.” However, government fees, property taxes, and insurance premiums typically cannot be negotiated.

When do I pay closing costs?

You pay closing costs at the end of the home-buying process, on the day you finalise the purchase. Typically, you will bring a cashier’s check or arrange a wire transfer for these costs.

Closing costs can feel complicated, but when explained clearly, they’re simply part of the home-buying or selling journey. By understanding real estate closing costs in 2025, both buyers and sellers can budget effectively and move forward with confidence.

Thinking about buying or selling a home in Sonoma County? We’d be happy to walk you through the costs and help you prepare for a smooth closing. Call us today!

Should You Buy a Fixer-Upper or a Move-In Ready Home?

When you shop for a new home, one of the first decisions you need to make is whether to buy a fixer-upper or a move-in-ready home. Both choices have their benefits, but they appeal to different needs. In this article, we’ll explore the key benefits and challenges of each option to help you decide which path is right for you.

Fixer-Uppers

A fixer-upper is a home that needs repairs, renovations, or upgrades, sometimes cosmetic, sometimes structural. These homes often sell below market value, offering a unique opportunity to build sweat equity.

Pros of Buying a Fixer-Upper:

Lower Purchase Price: Fixer-uppers typically list for less than move-in-ready homes in the same area. This can make homeownership more accessible, especially for first-time buyers or those entering a competitive market.
Customisation Potential: You get to renovate and design the space to match your taste, lifestyle, and needs. From countertops to flooring to layout, you’re in control of the look and feel.
Equity Growth Opportunity: If done right, renovations can significantly increase your home’s value. This is especially true in neighbourhoods where home values are trending upward.
Less Buyer Competition: Many buyers shy away from homes that need work. This can lead to less bidding pressure and more room to negotiate.

Cons of Buying a Fixer-Upper:

Renovation Costs Add Up: What looks like a simple cosmetic update can snowball into tens of thousands of dollars once you peel back the layers. Always budget for more than you expect.
Time-Consuming: Depending on the scope of work, it may take weeks or even months before your home is move-in ready. This can be a challenge if you’re on a tight timeline or living situation.
Financing May Be Complicated: Not all mortgage lenders approve loans for homes that need major repairs. You may need a renovation loan (like an FHA 203(k)), which comes with its own process and requirements.

Move-In Ready

A move-in-ready home is exactly what it sounds like. It is fully functional, updated, and safe to live in from day one. This type of home is a simple option that many busy professionals, families, and first-time buyers prefer.

Pros of Move-In Ready Homes:

Immediate Comfort and Convenience: No need to worry about contractors or renovations. Just bring your boxes and start living.
Easier Financing: These homes are generally easier to finance with conventional loans, since they meet livability standards and have working systems (plumbing, electrical, HVAC).
Peace of Mind: Updated systems, newer appliances, and finished spaces can minimise the risk of surprise repairs.
Lower Short-Term Maintenance: With everything up to date, you can expect fewer repair bills in the first few years of ownership.

Cons of Move-In Ready Homes:

Higher Purchase Price: Turnkey homes typically command a premium, especially in hot markets. You’re paying for convenience and upgrades someone else already completed.
Limited Customisation: You may love the location and layout, but not the finishes or style. Making changes after move-in can be costly, especially if materials are new.
More Buyer Competition: Everyone loves a home that’s ready to go. You may find yourself in multiple-offer scenarios or needing to make compromises to compete.

5 Questions to Help You Decide

Ask yourself the following:

What is your total budget?: Including renovations, not just purchase price. Renovating a fixer-upper requires a separate budget. Don’t forget to include 10–20% for unexpected costs.
Do you have the time and energy to manage a renovation?: If you’re busy with work, school, or family, managing a renovation might stretch you too thin.
How quickly do you need to move in?: If your lease is ending or you’re relocating for work, a fixer-upper might not fit your timeline.
Are you open to living in a construction zone?: Some buyers choose to live in their fixer-upper while renovating, but this isn’t for everyone.
Do you love home design or feel overwhelmed by too many choices?: If picking tile samples and coordinating contractors sounds exciting, a fixer-upper could be a dream. If it sounds like a headache, turnkey may be best.

Market Trends

According to Zillow, research finds fixer-uppers are selling for the largest discount in years as buyers seek out move-in-ready properties.

Buyers pay 3.7% more than expected for remodelled homes.
Remodelled homes get 26% more daily saves and 30% more daily shares on Zillow than similar homes.
Fixer-uppers sell for 7.3% less than other similar homes, the largest discount in three years.

There’s no right or wrong choice, only what is right for you. A fixer-upper may be a good option if you have a clear vision, want to save money, and are willing to put in some effort. A move-in-ready home is better if you want convenience and speed, can afford a higher price, and prefer not to handle home projects.

As real estate professionals, we help buyers make smart and confident choices every day. Whether you want a fixer-upper or a move-in ready home, we’re here to help you. Let’s discuss your goals and find the perfect home for you. Call us!

What Credit Score Do You Need for Homeownership?

When purchasing a house, having a good credit score is vital. A credit score is a number that represents how likely you are to repay your debts and shows your creditworthiness to lenders.

A higher credit score typically results in lower interest rates and better loan terms, while a lower score may lead to higher interest rates or loan rejection.

What credit score do you need to buy a house?

The credit score needed to buy a home can differ based on the type of mortgage and the lender’s requirements.

Generally, conventional mortgages may require a minimum FICO score of 620. However, FHA (Federal Housing Administration) loans may accept lower credit scores starting at 580, which is popular among first-time homebuyers.

What are the factors that affect your credit score?

It’s common for lenders to look at your FICO scores to meet loan qualifications for Fannie Mae, Freddie Mac, VA, FHA, and USDA.

How FICO scores are calculated:

Your payment history: A timely credit card payment history positively impacts your credit score. Bankruptcy, liens, and collections may also affect it.
How much do you owe, and where?: If you owe a significant amount of money in multiple accounts, it may indicate that you are overextended. However, dividing debt among several accounts can help you avoid the maximum on any credit line.
Your credit history’s length: The longer an account has been open, the better.
How much new credit do you have?: New credit cards, instalment plans, or other forms of credit carry a higher risk, even if paid promptly.
Your credit mix: It’s ideal to have a mix of credit types, including instalment loans, credit cards, and a mortgage.

What is a good credit score to buy a house?

720 or higher is considered good. Borrowers with credit scores of 800 or higher are likely to qualify for the best mortgage rates and terms available.

FICO credit score range
Below 580	Poor
580-669	Fair
670-739	Good
740-799	Very good
800 and above	Exceptional

When purchasing a house with a partner

Lenders typically use the lower of the two borrowers’ middle credit scores to determine loan eligibility and interest rates.

Therefore, both partners should maintain good credit and work together to improve their credit scores before applying for a mortgage.

How to improve your credit score

Check your credit report: Download one free credit report annually at annualcreditreport.com. Review for errors and correct any discrepancies immediately.
Pay down credit card bills: Pay all your bills on time to demonstrate responsible financial behaviour.
Don’t charge your credit card to the max: Aim to keep your credit card balances below 30% of your available credit limit. Using a lot of your available credit may lower your credit score.
Don’t open new credit card accounts: Opening new credit accounts within a short period can signal financial instability to lenders, and having too much credit can lower your credit score.
Wait 12 months after credit difficulties to apply for a mortgage: You’re penalised less severely for problems after a year.
Shop for mortgage rates once: Too many credit applications can lower your score. However, multiple inquiries about your credit score from the same type of lender are counted as one if submitted over a short period.

Achieving homeownership is an exciting journey, but it’s important to understand your credit score’s role in making that dream a reality. Start taking proactive steps to improve your creditworthiness today.

Finally, we hope you found the information helpful. Please don’t hesitate to reach out if you have any questions or want to learn more. We are always happy to provide assistance and support.

Home Improvement Projects to Increase Resale Value

Are you considering selling your home and looking to maximise its resale value? Home improvements can be a powerful tool for increasing the appeal and marketability of your property.

Whether you’re preparing to sell soon or want to enhance your home’s value with a return on investment (ROI) in mind, this is a smart financial move.

Home Improvements with the Best ROI

1. HVAC Conversion (Electrification)

According to the 2023 Cost vs. Value Report by Remodelling by JLC for the Pacific Region, converting a fossil-fuel-burning furnace to an electric heat pump and installing new lines and wall units has the highest ROI.

The conversion project is costly, but the ROI is outstanding at over 100%.

Average cost: $18,873
Average resale value: $19,770
Cost recouped: 104.8%

2. Focus on Curb Appeal

Make a positive first impression when selling your house. Since the exterior is what potential buyers see first, update the exterior of your home with landscaping, a fresh coat of paint, or spruce up your entryway.

As per the report, these curb appeal enhancers have the highest returns:

- Garage Door Replacement

Average cost: $4,756
Average resale value: $4,604
Cost recouped: 96.8%
- Entry Door Replacement (Steel)

Average cost: $3,839
Average resale value: $3,406
Cost recouped: 88.7%
- Manufactured Stone Veneer

Average cost: $11,785
Average resale value: $9,973
Cost recouped: 84.6%

3. Siding Replacement

The siding of a house is one of the most prominent features of its exterior. If it appears worn out or shabby, it can ruin the overall appearance of the whole property. It might be worth contemplating replacing the old siding with newer, better-quality materials.

There are two durable materials to consider for your home’s exterior: fibre-cement and vinyl, offering a modern and fresh look while providing long-lasting protection from the elements.

Vinyl

Average cost: $18,228
Average resale value: $17,922
Cost recouped: 98.3%

Fibre-cement

Average cost: $19,765
Average resale value: $17,172
Cost recouped: 86.9%

4. Minor Kitchen Remodel (Midrange)

The kitchen is often regarded as the heart of the home and can significantly impact a buyer’s decision.

Upgrade old appliances, install modern countertops, or refresh cabinets with a new coat of paint or updated hardware. Even small changes can make a big difference.

Average cost: $28,057
Average resale value: $22,221
Cost recouped: 79.2%

5. Window Replacement

This home improvement project enhances the interior look and also has practical benefits. You can reduce energy bills and boost comfort with energy-efficient windows.

It’s a worthy investment that can pay off in the long run.

Vinyl

Average cost: $22,299
Average resale value: $15,215
Cost recouped: 68.2%

Wood

Average cost: $26,528
Average resale value: $15,336
Cost recouped: 57.8%

6. Bathroom Remodel (Midrange)

Bathrooms are another area that buyers pay close attention to. Consider upgrading fixtures, replacing old tiles, or adding energy-efficient features.

Average cost: $27,024
Average resale value: $16,893
Cost recouped: 62.5%

7. Roofing Replacement

A new roof boosts the home’s overall appearance and signals potential buyers that the property has been well-maintained, potentially justifying a higher selling price.

Additionally, modern roofing materials often come with energy-efficient features, appealing to environmentally conscious buyers and those looking to save on energy costs.

Reduced maintenance requirements and the assurance of a well-kept roof make the home more attractive on the market.

Asphalt Shingles

Average cost: $33,541
Average resale value: $20,561
Cost recouped: 61.3%

Metal

Average cost: $55,619
Average resale value: $24,127
Cost recouped: 43.4%

Other Valuable Home Improvement Projects

1. Outdoor Living Spaces

Outdoor living spaces have become increasingly popular. There are numerous ways to transform your backyard into a functional outdoor living space. You can add a deck, patio, or outdoor kitchen.

Read our blog post about the best outdoor living ideas to find the right beautiful extension of your home.

Additionally, remodeling outdoor features can financially benefit homeowners who plan to sell their property. NAR, Most REALTORS® Recommend Improving Curb Appeal, and Homeowners Can Benefit Financially and Emotionally by Remodeling Outdoor Features, NAR-NALP Report Finds: Most REALTORS® (92%) suggest that sellers improve the curb appeal of their home before listing it for sale.

2. Address Structural Issues

Before focusing on cosmetic upgrades, ensure that the structure of your home is sound. Address any issues such as roof leaks, foundation cracks, or plumbing problems.

Hire a home inspector to find and fix problems before you sell your home. Then, you can demonstrate your detailed care for the buyer’s future home by providing them with receipts.

3. Install Hardwood Floors

Beyond the timeless elegance they bring to any room, hardwood floors are durable and easy to maintain. They are versatile and can work effectively in almost any room while also increasing the value of your home.

NAR, Remodeling Impact, for interior projects, the highest percentage cost recovered was from refinishing hardwood floors at 147%, new wood flooring at 118%, and insulation upgrade at 100%.

In conclusion, remember to prioritise upgrades that offer the best ROI and appeal to a broad range of tastes. By strategically investing in your home, you can maximise your property’s value and ensure a successful sale.

Finally, as your real estate agent, we are happy to further extend our services by offering our list of local, trusted service providers. Call us about your particular needs, and we will connect you with a qualified service provider in our area who can assist you.

Understanding HOA – A Guide for Home Buyers

If you’ve recently started your home-buying journey and came across the term Homeowners Association (HOA) but are unfamiliar with its role and impact on your decision-making process, this guide is for you.

Let’s delve into the essential things you need to know when purchasing a home in an HOA-governed community.

What is an HOA?

HOA stands for Homeowners Association. It is a governing body most commonly found in condominiums, co-op communities, and some single-family home neighbours.

Additionally, homeowners within the community typically become members upon purchasing property and must pay fees to support the association’s activities.

What do HOA fees cover?

Typically, HOA fees cover the maintenance and management of common areas and amenities within a community. These fees can vary widely depending on the specific HOA and its services, but they usually include:

Landscaping and Grounds Maintenance: This can include the upkeep of lawns, trees, shrubs, and shared green spaces.
Exterior Maintenance: Maintenance and repairs for exterior features like roofs, siding, and fences.
Utilities: Fees for communal utilities such as water, sewer, and sometimes trash removal or recycling.
Amenities: Maintenance and operation costs include swimming pools, tennis courts, fitness centres, clubhouse facilities, playgrounds, and walking trails.
Insurance coverage for public areas.
Security: If applicable, fees for security services like cameras, gates, and guards.
Reserve Fund Contributions: Funds set aside for future repairs, replacements, or upgrades to communal areas or infrastructure.

How much are HOA fees?

HOA fees vary widely depending on location, amenities, and services. On average, HOA fees can range from $100 to $700 per month. According to the US Census, the average HOA fee in 2021 was $191 a month.

Moreover, some luxury communities with extensive amenities may have higher fees, while associations with fewer amenities may have lower fees.

Benefits of HOAs

Access to Community Amenities: Amenities that may be too expensive to own and maintain alone, like a swimming pool, tennis court, or gym.
Less maintenance work: Generally, tasks like raking leaves and clearing snow are often included.
Property Value: HOAs enforce rules and regulations to maintain uniformity and attractiveness, which can help preserve property values within the community.
Community Engagement: They foster community through organised events, newsletters, and social activities, promoting neighbourly interactions.
Better Security

Drawbacks of HOAs

Fees: Homeowners must pay monthly fees, which can be a significant financial burden on top of mortgage payments and property taxes.
Restrictions: HOAs impose rules regarding property appearance, landscaping, parking, and even paint colours, limiting homeowners the freedom to personalise their properties.
Limited Control: Homeowners may feel constrained by the decisions made by the HOA board, especially if they disagree with the direction or priorities of the association.

Overall, whether an HOA is beneficial or not depends on individual preferences, lifestyles, and priorities. HOAs offer a sense of community and amenities that some homeowners find appealing, while others may find the fees and restrictions burdensome.

Therefore, by decoding the complexities of these fees, you empower yourself to make informed decisions. Whether you’re a first-time homebuyer or a seasoned homeowner, we hope this guide equips you with the needed knowledge.

Lastly, if you have any questions about real estate, you may visit Real Estate Explained for buyers and sellers alike. We have valuable guides to help you navigate the real estate process. Or if you’d like to talk more about HOA, please don’t hesitate to call us.

We are happy to help you in any way we can throughout your home-buying journey!

Choosing the right realtor: questions to ask before you hire

A knowledgeable and experienced realtor can make a significant difference in your overall experience. To ensure you find the best fit for your real estate needs, here are some questions to ask potential realtors before hiring one.

1. What’s your experience in the local market?

Ask about their years in the business and how many transactions they’ve completed, especially in your target neighborhood.

Experience in your specific market can be a valuable asset.

2. What’s your business philosophy?

While there’s no right or wrong answer to this question, the response will help you assess what’s important to the agent and determine how closely the agent’s goals match yours.

3. Are you a full-time realtor?

Some realtors work part-time or have other commitments.

While this doesn’t necessarily disqualify them, you would want to know how accessible and dedicated they will be during your real estate transaction.

4. What’s your marketing strategy for sellers?

Ask about how they plan to market your property, including online listings, open houses, and any unique tactics they may use to attract potential buyers.

5. How will you help me find the right property as a buyer?

For buyers, know how the realtor plans to help you find the right property.

Ask about their approach to searching for homes, scheduling viewings, and negotiating offers on your behalf.

6. Can you explain the process step-by-step?

A good realtor should be able to explain the buying or selling process in detail.

They should walk you through each step, from the initial consultation to closing, and answer any questions.

7. How will you keep me informed about the progress of my transaction?

The best answer here is a question. A realtor who pays close attention to the way you prefer to communicate and responds accordingly will make for the smoothest transaction.

8. What’s your approach to negotiation?

Negotiation skills are essential in real estate. Inquire about the realtor’s approach to negotiation and their track record in securing favorable deals for their clients.

9. Do you have any designations or certifications?

Real estate professionals have to undergo additional specialized training to obtain these distinctions.

Designations and certifications help define the skills that an agent can apply to your particular real estate needs.

10. What sets you apart from other realtors?

This question can help you understand the realtor’s unique strengths and value proposition.

Look for qualities and services that align with your specific needs.

In conclusion,

Choosing the right realtor is a significant decision that can impact the success of your real estate transaction.

By asking these questions, you can make an informed choice and work with a realtor who is best equipped, like Randy and me, to help you achieve your goals.

Artisan Sotheby's Real Estate Office — 6984 McKinley St, Sebastopol, CA 95472

Additionally, we not only have the knowledge that comes with being a professional realtor and are highly adept at negotiating the best terms on behalf of our clients, but we also have a keen sense of neighborhoods, homes, and the people we are working with.

Also, unique homes require skillful marketing, through our local expertise and Sotheby’s International Realty’s interconnected global network of offices that are dedicated to the extraordinary.

Finally, we strive to provide the highest level of service and build lasting relationships with our clients. Randy and I can be there by your side, protecting the interests that you trust. Call us!

Selling Your Home During Winter Season

As most of us believe, selling a home in Sonoma County during the winter months can be challenging. After all, it is widely known that spring and summer tend to be the most active real estate seasons. The fall and winter seasons are when the number of sellers drops off, resulting in fewer total sales. Is that enough of a reason not to list your home right now?

There are some advantages to selling a home during the winter season that is often overlooked. Sellers can benefit from the fact that there are fewer listings on the market at this time of year, meaning buyers have a limited supply and less competition. Furthermore, with the upcoming holidays, both sellers and buyers will have more leave from work, resulting in more opportunities for showings and open houses.

Additionally, sellers get motivated buyers. Those who start looking for a house at this time of year are more likely to be determined to find one. With this in mind, here are a few strategies to help you sell your home during the winter.

Check the price: Ask your agent to perform a comparative market analysis and look through the current listings and the recently sold properties; it is beneficial to compare your prices. Your real estate agent can assist you in determining the appropriate price for your home.

Improve your online listing: Many home buyers have opted to look for a home online before visiting. It is essential to showcase your home with professional pictures that are well-lit, clean, and staged. This will help you emphasize your home’s best features. Keep in mind that your online listing should contain all of the information they require about the house, the neighborhood, and the market.

Hire the right agent: Make sure you have a knowledgeable real estate agent like Randy and Heidi on your side. Because real estate is a local business, it is important to speak with an experienced real estate agent in your area who is familiar with local sales trends.

As lifelong Sonoma County residents, we are pleased to provide you with neighborhood-specific sales data so you can make an informed decision about when to list your home. Our focus is to listen and understand the goals you want to accomplish, offer our professional guidance by discussing alternatives, and establish a plan of action to achieve your personal real estate goals.

If you plan on listing your home during this winter season in Sonoma County, or would still want to wait for the spring and summer season, no matter how you decide, when you are ready to sell. Give us a call!

Renting vs. Buying a Home: Which is Better?

Which is better? Should you rent or buy a home? Because it requires less capital, renting is frequently perceived as less expensive than purchasing a home. Buying a home, on the other hand, is an investment that increases your equity. Aside from these obvious factors, there are others to consider. To assist you in deciding whether to rent or buy, we have listed the pros and cons of each option in this article.

Deciding between renting or buying a home depends on your lifestyle and financial situation. Do you intend to temporarily live in the area, maintain flexibility and mobility, or save money for a down payment? Renting might be the ideal decision for you. At least for the time being.

Alternatively, if you want to build investment equity over time while also having the stability and freedom to change your living space, now is the best time to buy a home.

Furthermore, in most cases, purchasing a home may save you money. Because the interest on your home mortgage is tax deductible, you will save money on taxes. If you rent, your landlord gets the break. Also, the sooner you buy a home, the sooner you can begin building equity in an investment that you can use for retirement or other investment plans. Why pay the landlord’s mortgage when you can pay your own?

Finally, you would want to evaluate the real estate market. Heidi and I are very knowledgeable about current real estate trends and offer our clients exceptional expertise in assessing and securing an upcoming purchase in the current market. If you have a dream home that you can’t wait to build or are still not sure whether renting or buying is the best option for you, contact us and let us help you with our professional advice.

Questions to Ask Yourself Before Buying a Home

Purchasing a home is one of the most significant investments you can make. There are numerous factors to consider, it is important to know all of the facts first before making a decision. The overall housing situation is undoubtedly difficult, so there is no reason not to be cautious and thoughtful when approaching this topic. Before deciding on one to call your own, consider asking yourself these questions to make your future home-buying experience go more smoothly.

1. How much money have I set aside for a down payment?

The average down payment for a house in California is between 15% and 20% of the purchase price, but this can vary depending on your mortgage lender and financial situation.

Lenders will lend you hundreds of thousands, if not millions, of dollars when you buy a house. Buyers, in turn, contribute a portion of the purchase price to gain initial equity in the property. Each mortgage option, however, is distinct, and homebuyers must determine which financing options are best for them. More money put down at closing results in lower monthly mortgage payments and interest.

As a result, California residents thinking about buying real estate should create a budget and start saving for a down payment well in advance of making a decision.

2. Is my credit score high enough?

If buying a home is one of your financial goals, think about the role a good credit history plays in the process. Most mortgage loans require a minimum credit score, and some lenders may have stricter requirements for certain borrowers.

3. Do I have a steady income?

A stable job, consistent income, and a good credit score are the best indicators of readiness. Your family situation must also be taken into account.

4. What kind of home do I like?

Before purchasing, ensure that the property offers everything that you look for in a home. It is vital to consider learning about its neighborhood and have it thoroughly inspected as it is critical to understand what repairs the house may require.

5. Can I trust my agent?

The right real estate agent can make or break your home-buying experience, so find one that you can truly rely on. Your agent should be able to give you an honest assessment of a home’s value, as well as the pros and cons of its size, location, and condition.

In conclusion, purchasing a home can be overwhelming in a competitive market and stressful during the best of times. Although, understanding what you are getting into, knowing what is required of you, and finding the right real estate agent will help you reach your goal smoothly.

Do you think you’re ready to become a homeowner? Heidi and I bring a combined 45 years of industry experience in residential, commercial, and land sales. We strive to provide the highest level of service in all phases of the buying and selling process. If you’re looking for your next Sebastopol real estate investment, Heidi and I can be there to serve as your voice—as well as to offer our experience, guidance, and advice you can count on. Call us!

“The answer may not be at the beach but shouldn’t we at least check?”

Are you seeking sunshine, listening to the ocean waves, or vacation property of your own? Our newest listing in Dillon Beach is an extraordinary opportunity to purchase the best of all beach worlds. Take a sneak peek…

Bask in the elements and enjoy unparalleled relaxation from this private Dillon Beach contemporary home.

Sited with perfection on a premium oversized view lot, marvel at panoramic Pacific Ocean and coastline views encompassing Dillon Beach, Tomales Point, Tomales Bay, and Sugarloaf Mountain Peak. In addition to the sights, this home is surrounded by large native Cypress trees that provide a high degree of privacy. Together, the views and privacy create a feeling of sheer contentment.

This four-bedroom, three-bath home on Oceana Drive offers more than 2,700± square feet of indoor and outdoor living. Each bedroom provides a spacious layout, with a sumptuous owner’s suite. All bathrooms have high-efficiency Toto toilets.

This home has several decks: one with a propane fire pit and an enclosed patio with a Jacuzzi® hot tub off the main living area and a second off the owner’s suite for outdoor living. The home is heated by propane and a newer Bryant® furnace. There is also a CLIPPERCREEK charger for your electric car and an additional 30amp outlet.

On the main level, you will find a newer kitchen accented with a wall of mini glass subway tiles in Tahoe Blue. Appliances are all high-end, and the red Aga Range 6 gas burner is the room’s centerpiece. The vent hood is made by BEST® and has a commercial-grade blower attached. There is a Liebherr® refrigerator/freezer in stainless steel and an island that seats 4, housing a Franke® stainless steel double bowl deep sink with a Grohe® faucet. The countertops, including the island, are made of Silestone quartz.

The great room, complete with vaulted ceilings, is currently used for casual dining and entertaining. This room is equipped with a thermostat-controlled propane burning gas fireplace made by Morsøs® for those cold winter nights. The white-washed pine, wide plank floors add warmth and understated elegance to the living areas.

From the great room, wander into a bedroom (currently used as a media room) or up the extra wide staircase to the remaining bedrooms while catching a fantastic view of Tamales Point on the way up. The upstairs hallway/balcony is the perfect spot to showcase art or collectibles, and hay-colored Sisal® carpeting compliments the California coastal atmosphere.

With the owner’s suite on the first level, privacy is plentiful, with views of the coast and an outdoor deck. The en-suite bathroom with shower and soaking tub offer respite from the world.

A trap door in one of the closets allows access to a lower crawl space ideal for long-term storage. Additionally, the main level features laundry facilities with a Miele washer and dryer and the utility room housing the hot water heater and Bryant® furnace. There is also a ClipperCreek® charger for your electric car and an additional 30amp outlet.

Give us a call today for a private showing before this truly remarkable private coastal escape in Dillon Beach hits the market.