Enrique Tellez

REALTOR® and Loan Consultant

As a client-oriented REALTOR® and Mortgage Loan Consultant, my top priority is to understand your needs and provide customized solutions in pursuit of your goals. I have 20 years of experience working in various aspects of Real Estate including Mortgages, Management, Loss Mitigation, and as a Real Estate Agent. My expertise, passion and commitment is to help you achieve all of your financial and homeownership goals.Whether you seek to buy or sell your home, I will leave no stone unturned to find your perfect haven or sell your home for maximum profit. My goal is to educate and empower you to make an informed decision and to tenaciously protect your best interests every step of the way to ensure a successful transaction.In my spare time, I enjoy serving on the board of my church, playing soccer, running, and reading.

  • NMLS: 640009

  • CA DRE: 02079947

Buy or Sell

We are one of the area’s premier real estate solutions company that specializes in helping you sell your home or buy the next place you call "home".Our diverse team has experience with all types of buying and selling scenarios, and we understand how to make every transaction simple and stress-free. We are also well versed in most types of home sales and are certain that we can create a win-win solution for everyone.

Going through Probate? We can help.

As a Certified Probate Real Estate Specialist (CPRES), I can be there for you every step of the way helping you with the sale of your loved one’s property. This means I help you with all the little and big details of probate property sales. From helping you to select and schedule the best service providers (i.e. professionals that can help you get the personal property sorted, handyman tasks, estate liquidators and appraisers, etc.) all the way until the closing of the sale of the home.

Financing

We've been helping customers afford the home of their dreams for many years and we love what we do.Whether you're looking to make a new purchase, lower your mortgage payment, or just simply tap into the equity of your home through a cash-out refinance, we have a solution for you!

Investments

Our commitment to excellence starts with treating you and your transaction with the utmost care and professionalism.We know that investing in Real Estate is one of the biggest decisions you’ll ever make and we are humbled that so many investors choose us to join them on their journey.We look forward to earning your business today.

REAL E.T. BLOG

From Our Desk To Yours

Top 5 Reasons Why You Should Use a Real Estate Agent When Buying or Selling a Home

By: Enrique Tellez, 12/29/2022

When you're looking to buy or sell a home, it can be helpful to have an agent on your side. But why should you use a Real Estate Agent?1. Get Expert Advice.
A Real Estate Agent knows the ins and outs of the market, which can help you get a better deal on your home. An agent can provide you with expert advice and support throughout the buying or selling process. They will make sure everything goes smoothly and that you are kept up to date on the latest developments.2. Save Time and Money.
Using a Real Estate Agent can save you time and money. They can help you find the right home and help you avoid incurring unnecessary costs. When selling they can help you get the most money for your home.3. Protect Your Interests.
A Real Estate Agent is professionally licensed and insured, which means they have your best interests at heart. They will take care of all the details so you can focus on what's important – living in your home.REALTORS® are professional representatives of their clients, which means they abide by a code of ethics and are licensed and regulated by the government.4. Avoid Common Pitfalls.
A Real Estate Agent can help you to avoid common pitfalls during the home buying or selling process. They can act as a sounding board, provide guidance on what to look for in a property, and help you deal with any challenges that may come up throughout the process.5. Negotiate with Confidence.
A Real Estate Agent is well-versed in the art of negotiating. They will work with you to find a mutually agreeable solution to any problem. They will also have access to resources that you may not have.When you use a Real Estate Agent, you can be sure that you are getting the best possible service. Remember, the sooner you contact an agent, the easier it will be to find the perfect home for you.Conclusion
There are many reasons why using a real estate agent is beneficial for both buyers and sellers. By hiring the right one, you'll save time, money and protect your interests.

REAL E.T. BLOG

From Our Desk To Yours

Understanding the Difference Between a Mortgage Broker and a Lender

By: Enrique Tellez, 12/14/2022

In today’s market, it’s more important than ever to do your homework when it comes to mortgages. There are a lot of options out there, and it can be difficult to know which one is the best for you. Whether you're looking to get a mortgage from a lender or a mortgage broker, there are some important things to know about the two options.What is a Lender?Lenders are typically banks or other lending institutions. They act as middlemen in the mortgage market, and they offer products that vary depending on your credit score and other factors. Lenders also often have more stringent requirements than brokers do when it comes to credit history and income.What is a Mortgage broker?A mortgage broker is a professional who works with multiple lenders or banks to help you find the best mortgage for your needs. They can help you compare different products and shop around to help you get the best deal possible.What are the benefits of working with a mortgage broker?1. They can help you save money by shopping around to find you the best rate and terms possible.
2. They can avoid having your credit ran multiple times as they shop around .
3. They have access to a lot of different products, and they can help you find the best one for you.
4. They have the benefit of being able to move your file to another lender should something come up during the process.What are the benefits of working with a lender?1. The biggest benefit of working with a lender is that they are always available to help you. If your Loan Officer is out on vacation, someone can step in and help move your application along.
2. If it's your local bank, they may have multiple branches where you can stop by and make your monthly payment.
3. Lenders tend to be larger institutions with a lot of organization and hierarchy.
4. Lenders can often partner with New Home Builders to offer more generous terms than mortgage brokers. This is possible because they are seeking to "deepen" the relationship with the borrower beyond just the mortgage.What are the cons of working with a mortgage broker?1. They can be more expensive than working with a lender when looking to buy a new construction home.
2. It may be harder to get in touch with them if you have any questions or concerns about the process while your loan officer is out on vacation or if they're out of the office unexpectedly. However, a good loan officer will prepare for this ahead of time and put something in place to have your questions answered should they be out.
3. If you're not familiar with the mortgage market, it can be harder to find the right broker to work with.What are the cons of working with a lender?1. Lenders can be more rigid when it comes to requirements, so you may not be able to get the product that you're looking for if you don't meet their standards.
2. Lenders are subject to the loans that they offer and can't always provide alternative solutions should something unexpected arise during the process.
3. Lenders tend to have more overhead costs than brokers do, so they may not offer as good of a deal on the products they do offer.
4. Most importantly, you will have to run your credit multiple times to shop around for the best rate possible.ConclusionConsidering whether to work with a lender or mortgage broker?There are pros and cons to both options, but its important to do your research and choose the right one for you. Whichever route you decide to go, make sure you're aware of the different benefits and disadvantages of each so that you make an informed decision.As a mortgage broker, I am here to help should you have any questions about the mortgage process.

REAL E.T. BLOG

From Our Desk To Yours

The Complete Guide To Selling A Home - From Preparation To Closing

By: Enrique Tellez, 12/01/2022

Selling a home can be a daunting task. There are so many things to consider and so little time to do it in. In this guide, we will walk you through the process of selling your home from start to finish.We will discuss the importance of pricing, preparing your home for sale, marketing your home, and closing the sale. We will also provide tips and tricks to help you along the way. By the end of this guide, you should have a better understanding of the home selling process and be able to confidently sell your home.1: Preparation
Before anything else, you need to make sure you are ready to sell your home. Make a list of all the things you need to do in order to make your home sale possible. This includes staging it, cleaning it up, and preparing the documents required by the buyer's representative.2: Marketing Your HomeWhen you decide to put your home on the market, it's important to think about how you're going to market it. You'll want to create a comprehensive marketing plan that includes things like having your home professionally cleaned, having professional photos taken, and advertising. Additionally, you may want to consider staging your home to make it more attractive to buyers and hosting open houses. A successful marketing strategy can make all the difference when it comes to selling your home quickly and getting the best price possible.3: Negotiating The Price And Terms Of SaleWhen negotiating the sale of a home, it is important to keep in mind that both the buyer and seller have different goals. The seller wants to get the highest possible price for their property, and the buyer wants to pay as little as possible. As such, negotiation will be essential to reaching an agreement that is satisfactory for both parties. It is important to consider factors such as market conditions, potential upgrades, and other incentives that may sway the buyer. Additionally, it is important to consider terms such as closing costs, the length of time until closing, and other contingencies that may impact the overall agreement.4: Signing The Contract Of SaleWhen signing the contract of sale, it is important to understand all the terms and conditions that are included in the agreement. This document will include information on the purchase price, closing date, any applicable taxes or fees, and any contingencies. It is important to review all these details carefully before signing and ensure that all parties involved are in agreement.5: Moving Out!When it comes to selling a home, the process of moving out can be a stressful task. It is important to plan ahead and take the time to properly move out of the home. This includes coordinating with a moving company, packing up all belongings, making sure all utilities are turned off and disconnected, and ensuring that the property is left in good condition for the new owner. Additionally, you will need to provide the buyer with any remaining documents or keys for the property. Moving out of a home can be challenging, but taking the time to plan ahead will make it easier.6: Closing The Deal And Celebrating!Once all parties have fulfilled all of the terms of the contract and released all of the contingencies, it is time to close the deal. During the closing process, you'll sign documents transferring ownership of your home from you to the buyer. After signing all documents, the buyer will usually provide you with a check for the remaining balance of the purchase price or have funds wired to the title company, depending on what was stipulated in the contract. After closing, you can finally celebrate the sale and start planning for your next home.ConclusionWith these 6 steps, you will be well on your way to selling your home for top dollar!While this is a high-level overview of what to expect when selling your home, it is wise to work with a real estate agent who can help explain the process and guide you. A real estate agent can provide valuable insight into the local market and help determine a fair price for the home. They can also assist with marketing the property, ensuring that potential buyers are aware of the listing. An agent will also be able to negotiate on your behalf and provide guidance on paperwork such as contracts and disclosures. In addition, a real estate agent can be a great source of support throughout the entire process, helping you navigate any bumps along the way.Please feel free to contact me should have any questions in getting your home on the market!

REAL E.T. BLOG

From Our Desk To Yours

How To Prepare For Your Home Purchase: A Guide On To What To Expect

By: Enrique Tellez, 01/01/2023

There are many things you need to consider before making an offer on a property. This article will provide you with all the information you need to make an informed decision about buying your first home.1: What is involved in purchasing a home?Buying a home is a complex process that involves several steps as noted above. First, you'll need to identify your budget, which will determine the type of home you can purchase. You'll then need to get pre-approved for a loan, as this will give you an idea of how much you can afford. Once you've identified potential homes, you'll need to start the actual purchasing process. This includes making an offer on the home and negotiating with the seller, submitting paperwork for the loan and any other necessary documents, and completing a home inspection to ensure the property is in good condition. After all of these steps are completed, you'll need to sign closing documents and pay closing costs before officially owning your new home.2: How much does it cost to purchase a home?When it comes to purchasing a home, knowing how much it costs is essential. The primary cost associated with buying a home is the purchase price, which will typically include closing costs, such as loan origination fees and title fees. Additional costs can include prepaid insurance and taxes, inspection fees, and in some rare cases, any repairs needed for the home prior to closing. Depending on the price of the home and other factors, such as desired down payment percentage, buyers may also need to budget for private mortgage insurance and other loan related fees. Knowing all of these costs upfront can help buyers budget accordingly to ensure they can purchase a home that fits their needs and budget.3: What kind of mortgage options are available?When purchasing a home, one of the most important decisions you will need to make is what kind of mortgage you want to take out. There are several different kinds of mortgages available, including fixed-rate, adjustable-rate, and interest-only mortgages. Fixed-rate mortgages have a fixed interest rate for the life of the loan, whereas adjustable-rate mortgages have interest rates that can change over time. Interest-only mortgages allow buyers to only pay the interest on their loan for a certain period of time. Depending on your financial situation, one of these options may be more suitable for you than another. It is important to discuss all of your options with a qualified mortgage lender in order to make an informed decision.4: How do I find the right house for me?Finding the right house for you can be a challenge, but there are a few steps you can take to make it easier. Start by making a list of your "must-haves" in a home, such as the number of bedrooms or bathrooms, specific amenities, and location. You can then use this list to narrow down your search. Consider visiting open houses and talking to real estate agents in the area to get an idea of what’s available. Additionally, you can also use online resources such as local listings and home search websites to help you find potential homes. Once you’ve identified a handful of potential homes, you can begin the process of making an offer.5: When should I make an offer on my dream home?Making an offer on your dream home is an exciting time, but it's important to take your time and consider all the details before you move forward. Before making an offer, you should ensure that you are pre-approved for a mortgage and have a good understanding of the local housing market. Additionally, be sure to factor in any potential closing costs or other fees associated with buying a home. Once you’ve done your due diligence, you can confidently make an offer that is within your budget and reflects current market conditions.6: What happens after I have made an offer and the seller has accepted it?Once your offer on a home has been accepted, it's time to move down the home-buying process. You'll work with your Loan Officer to obtain an appraisal report and your Real Estate Agent to order home inspections to make sure the property meets your expectations. You'll also need to arrange for any financing you may be required, such as a mortgage or loan, and obtain homeowner's insurance. Once these steps have been taken, you can begin the closing process, which includes signing all of the necessary documents, making payment arrangements and officially transferring ownership of the property. Finally, the title to the property will be transferred to you and you will be ready to move into your new home!7: What is required of me as a first time home buyer?As a first-time home buyer, it is important to educate yourself on what will be expected of you during the process. You will need to have a good credit score, sufficient income and cash saved for a down payment and closing costs (in most cases). Before making an offer, it is essential to obtain a pre-approval from a lender in order to understand your price range. Additionally, you should work with a reputable real estate agent who can assist you in finding the right home for your budget and provide insight on the local market. Finally, it is critical to schedule a home inspection to ensure that the property is in good condition before closing. By preparing yourself and understanding the process, you can make an informed decision when buying your first home.ConclusionAs a new homeowner, there are many things you need to learn and understand. By following the steps outlined in this article, you will be well-prepared for your upcoming purchase.

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