Ladera Ranch, Laguna Niguel and Mission Viejo real estate and homes for sale in California - Frances Hicks, REALTOR® Frances Hicks REALTOR(r) for Ladera Ranch, Laguna Niguel and Mission Viejo, California real estate - NUMBER1EXPERT™ Frances Hicks NUMBER1EXPERT(tm) for Ladera Ranch, Laguna Niguel and Mission Viejo, California real estate
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Frances Hicks, REALTOR®, real estate agent and broker for Ladera Ranch, Laguna Niguel and Mission Viejo California home listings, property and land for sale - NUMBER1EXPERT(tm)
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Kevin Budde Bank of America's Top Loan Officer

Welcome to Bank of America Home Loans, my name is Kevin Budde. As a Branch Manager, I have a wide range of mortgage choices, competitive rates and flexible terms and conditions, as well as online tools, so you can find the mortgage solution that best fits your needs. You can Pre-Qualify online in minutes.


During my 35 years of experience in the mortgage industry, I have shared my expertise to personally assist hundreds of families with responsible and affordable home financing. I have an extensive background assisting first time homebuyers, high net worth borrowers, low-to-moderate income borrowers, self-employed borrowers and investment borrowers and a great deal of experience in:
Affordable mortgage lending
Conventional loans
Home Equity Lines of Credit
Investment property lending
Non-conventional "Jumbo" lending
Contact me today and let’s get started on achieving your home financing goals.
Bank of America — Trusted Lender
Here’s why:
We have tremendous financial strength as one of the largest companies in the world.
Our dedication to responsible lending has never been greater and is focused on a balance of a diverse set of loans, showing our commitment to the first time home buyer as well as repeat buyers.
We service our own loans to ensure you have a positive experience for the life of your mortgage.
We have served the needs of over 59 million US households (1 out of every 2 US households)


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Real Estate Tips
Closing or Settlement >Moving Day

Here are some tips for coordinating a move that depends on careful timing. Say the closing on the sale of your home is Friday morning at 11:00, and that afternoon at 3:00 you are to complete the transaction on the house you are buying. Your sellers are completing the purchase of their new house on Monday. As sellers, each of you is obligated to leave your house vacant and clean at the time of the closing. You will each take possession of the home you are buying after the closing.

If you are faced with a game of musical moving vans, you may want to negotiate with your buyers or sellers to remain in your old house for a few extra days or move your belongings into the new home a little early. You should draw up a written agreement which details your arrangement, such as the amount of rent, the move-in or move-out date, and any agreements regarding utilities, insurance, or a damage escrow. If you need to make special arrangements for your move, let your real estate agent know and work out the details as early as possible in advance of the closing.

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Real Estate Trivia
Q 
What are the world's most valuable chairs?

A 
A pair of Chippendale chairs designed by Robert Adam sold in 1997 at Christie's, London to an anonymous buyer for $2,762,330.
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Frances Hicks, REALTOR®, real estate agent and broker for Ladera Ranch, Laguna Niguel and Mission Viejo California home listings, property and land for sale - NUMBER1EXPERT(tm)

Frances Hicks, e-PRO REALTOR, SFR
Keller Williams Realty

27101 Puerta Real, Suite 150
Mission Viejo, CA 92619
Cell: 949-456-9777
Email: Frances@FrancesHicks.com

e-PRO REALTOR, SFR Dedicated to providing you professional service, whether you are buying or selling. Solutions oriented, can always find a way to get the right results. Short Sale Specialist. Let the power of teamwork get you the best price in the shortest amount of time. Call now...you'll be glad you did!


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