I consider myself a no-nonsense Realtor who thinks outside the box & understands that contracts are negotiable. Agent quality varies, whether they're with one of the big name brokers or a smaller office, I've seen both! I prefer an independent broker who offers flexibility over the old-fashioned way of doing business. Commissions CAN be negotiable when your broker doesn't have a huge overhead - it's not about quality of service; I'll make the same as most traditional agents that require 6% or more to list.
I stay up to date on mortgage and real estate issues, which is super important in this market. You can lose a lot of money entering into an escrow that can't close - I'll be sure you understand the risks beforehand, I will never rush you.
There are several sub-markets here in San Diego County, some a buyer's market, some not, some favoring foreclosures, others regular resales.
I love working with all buyers, from investors to first-time buyers, and work with great LOCAL direct lenders, who routinely close FHA and VA loans in 30 days, a BIG advantage when competing with other offers. Your choice of lender can make or break a deal.