Simi Valley, Thousand Oaks and Camarillo real estate and homes for sale in California - Debbie Gates, REALTOR® REALTOR® Logo - NUMBER1EXPERT™ NUMBER1EXPERT™ Logo

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Debbie Gates

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All agents are NOT alike! Find out why I am a top real estate expert. Call me: 805-428-1100.

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Find Out About the Latest Homes for Sale First!
I add my newest homes and other real estate listings to this web site first. It can be some time before they appear in the MLS.
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Testimonials
Debbie Gates was our Realtor for both the sale...
Through Debbie’s efforts, our long time home was sold in 5 days.
Chuck and Shirley Carter
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TripleCalc
Compare three mortgages at one time. Download TripleCalc now. It's free.

Real Estate - Homes - NUMBER1EXPERTS Sell More!
Debbie Gates is one of The Top Selling Real Estate Experts™
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As soon as I list another home for sale, I'll email you. You'll know first.
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Pre-Qualify For Your Mortgage
Welcome > For Buyers > Mortgage Prequalification ...

Don't Go Shopping for a New Home Before You Know Exactly How Much You Can Spend! 

You might have an idea of the loan payment and mortgage you can afford. But will the bank feel otherwise? It's always best to pre-qualify for a mortgage so you know exactly how much a financial institution would be willing to lend you. 

In the pre-qualification process, you will find out: 

- Exactly how much home or land you can afford. 

- How much cash you will need for the down payment. 

- The minimum down payment, and advantages of higher down payments. 

- What the bank feels you can afford for a monthly payment. 

I help buyers pre-qualify for mortgages every day. Simply fill out the form below to get started. 

Remember: I will respect your privacy! I know this is your personal information, and I will not distribute it to anyone, other than to my preferred mortgage broker. This service is also provided free of charge, without any obligation on your part. It is part of my job as a top Simi Valley, Thousand Oaks and Camarillo real estate agent to offer services such as these. 

Once you fill out the form, I will quickly process your information and get right back to you! 

I can help you pre-qualify for your mortgage. It's my job! This is free and without obligation... 

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School Reports in Simi Valley, Thousand Oaks and Camarillo, California
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Real Estate Tips
Closing or Settlement >Net Sheet for Sellers

When you consider what price you should accept when selling your home, there are two important factors that will influence your decision. The first factor is the basic sales price. The second, and more important, is the amount you will actually receive from the proceeds at the closing.

Your real estate agent will prepare a seller's "net sheet" showing what your expenses will be. This will aid you in determining who pays what and when. It can help you to focus on the details of the sale.

A seller's expenses will include brokerage fees, real estate settlement fees, title insurance fees and special assessments. In some cases the buyer may ask you to pay some of the loan fees. Local real estate taxes will be pro-rated for you and the buyer, and you may be asked to place funds in escrow for payment of your final water bill. Subtract your mortgage balance any home improvement loans and other liens against the property that will be paid at the closing to come up with your final figures.

Your real estate agent can go over all of these factors with you when you list your home for sale and again as offers come in.

See All Tips In The "Closing or Settlement" Category >
See Complete Library Of Hundreds Of Tips In 30+ Categories >

Real Estate Trivia
Q 
What is the world's largest palace?

A 
The Imperial Palace (Gugong) in the center of Beijing, China covers over 178 acres and dates back to the early 1400s.
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Debbie Gates, REALTOR®, real estate agent and broker for Simi Valley, Thousand Oaks and Camarillo, California home listings, property and land for sale - NUMBER1EXPERT(tm)

Debbie Gates & Associates
(Lic: 01458529)

Troop Real Estate
(Lic: 00716757)
3200 Los Angeles Avenue, Suite 12
Office: 805-426-0536
Fax: 805-955-9057
Cell: 805-428-1100
dgates@troop.com


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