“Others promise what we deliver”
 
 


Tia Nang-Larson
Lic #01199415

Platinum Realty
www.platinum-realty.net

Please fill out the Secure loan application form:
my-loan-application.com

Cell
(408) 469-1103

Email
platinumrealtyteam [@]
gmail [dot] com

 
Mortgage Schedule and Calculator


You'll find a simple loan calculator which allows you to input different interest rates, loan amounts, and mortgage length so you can estimate your monthly payment.

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Different Loan Programs


We have different loan programs and lending options which fit the specific needs of a borrower. Some of the popular loan programs we offer are listed...

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Let's look at the high-level events of a typical escrow. This timeline will vary according to the specifications of the contract.

Week 1: The Offer

- The offer is made and accepted.
- Escrow is opened at a title company and the good faith deposit from the buyer is delivered to the Escrow Officer.
- The buyer and buyer's agent review and sign disclosures, order inspections, and notify the lender of the purchase.

Week 2 and 3: Inspections

The buyer receives inspection reports and finishes reviewing disclosures. If any additional work needs to be done to fulfill the requirements of the contract, it is usually done at this time. In addition, the buyer generally increases the good faith deposit (often from 1% to 3% of the purchase price).

Week 4 and 5 : Approvals and Paperwork

The buyer and the buyer's agent do a final walk-through of the home for verification that contract terms are met. Around this time, the loan is approved and the buyer signs the paperwork for the new loan and title transfer. The remaining funds to complete the sale need to be wired, or a cashier's check mailed overnight or hand-delivered to the title company. The lender funds the loan and the new deed is recorded at the County Recorder's office. The escrow officer releases the funds to the seller as necessary, and escrow is closed.

Why purchase Title Insurance?

In Northern California, Title Insurance companies hold most escrows, and buying title insurance is part of every escrow process. Title insurance came about to protect buyers and lenders from problems relating to the title to a property. Since the home you are buying may have changed owners several times, and the land may have gone through many more owners than that, there may be unpaid real estate taxes, liens, or mechanic's liens from many years ago. In the event that something like that comes up, it is necessary to have title insurance to protect yourself and your lender.


*List not guaranteed to be complete.
Movoto Real Estate


An overview of the home buying process

There are many reasons for moving to a new home. Perhaps you have a new job and must relocate, or you want to take advantage of the low interest rates, or maybe you are tired of renting and want to own! It could be any number of reasons. No matter what your situation, we can work together to find the right solution for you and your family...