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All agents are NOT alike! Find out why we are top real estate experts. Call us at: 707-824-2260 or 888-824-8950.
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Randy Mack and Mark Stevens are
some of The Top Selling Real Estate Experts™
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What Do Our Clients Say
About Us?
We believe in growing our business through
word of mouth and referrals. We value your satisfaction and trust and we will
do everything within our power to earn it.
- Randy was always very kind, patient,
reachable - never made me feel like my home wasn't important. I will recommend
him to my friends.
- Very prompt and professional.
- Randy Mack was great, as was Mark
Stevens. Randy really worked hard for me.
- Mark Stevens was / is wonderful! I will
recommend him to anyone.
- I felt a growing confidence and closeness
to Randy during the sale of my property. He handled it well.
- Mark Stevens was a pleasure to work with
throughout the entire process. We have a long standing relationship and most
appreciate his knowledge and professionalism.
- Randy went out of his way to find us the
right home. Thank you Randy very much.
- Clone Mark & Randy…Always a
pleasure to do business with professionals.
- Randy was the perfect person to help us
find our home. He "got" us immediately and in less than 2 weeks, start to
finish, our bid was accepted. He seemed exceptionally knowledgeable and his
calm sureness of manner reassured us constantly through the not infrequently
daunting process of escrow, which by the way went off without a hitch. I am
eager to recommend Randy if anyone asks. Kudos too to M.C. Dwyer who was always
pleasant and helpful.
- Randy and Mark were knowledgeable, down
to earth, practical and professional.
- Randy was extremely supportive through
the entire process.
- M.C. was right on top of everything,
which really helped the transaction run smoothly. There is something about
working with pleasant people that makes all the difference in the world, and
you certainly were. I hope that we have to opportunity to work together again
in the future.
You have a story to tell about us. You've worked with us, and we've helped you buy or sell a home. We need your feedback. Others need your feedback, too! Please take a moment to fill out this form and tell us how we did... 
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First Time Buyers >The Seller May Pay
The costs of buying a home may be daunting. For example, you may have finally saved enough for a down payment on your first home, with a little left over to buy the furniture you will need. Then you hear about having to pay closing costs you weren't anticipating, and this may seem like a real setback.
One way to cover such a shortage is to make the sellers an offer that calls for them to credit you for some of the closing costs. As a rule, the sellers may pay a maximum of 3 percent of the sales price if the buyer is putting five percent down. If the buyer is making a down payment of 10 percent or more, the seller can contribute up to 6 percent of the sales price to cover the buyer's closing costs. Some items, such as prepaid taxes and the first month's mortgage payment, must be paid by the buyers. Sellers may also contribute to paying the appraisal, points, title insurance, settlement attorney fees, state or local transfer taxes and similar items.
Keep in mind that if the credit is included in the price of the house, the appraiser will have to justify the amount, based on sales prices of similar homes in the neighborhood.
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| Q |
What mortgage transactions between borrowers and lending institutions operate in the private sector of the economy?
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| A |
Conventional mortgages are private sector transactions that are not insured or guaranteed by the government. |
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- NUMBER1EXPERTS™ 
