How we can help

Everyone's situation is different, and therefore deserves special attention & guidance in helping you achieve your individual goals.

When you're looking to buy or sell your home, or simply learn ways to maximize your real estate investment, we're here to give you trusted advice to your unique situation.

Our consultation services are always free to you, and those you refer to us. They include, but are not limited to:

BUYING

Buying a home for the first time
Loan Preapproval: How much you can afford vs. how much you qualify for
Learn how new, short term, FHA & conforming guidelines can leverage your ability to purchase
Local, state and national down-payment assistance programs
Learn the pros and cons on buying foreclosures, short pays and bank-owned properties
Renting vs. Buying Analysis:
Buy now? Or Wait?
Lease / Lease option purchases
Investing in a second home
Contingent home sales / purchases
Love the Internet? So do we! Gain Direct Access to local MLSs to search for homes in LA & Ventura County. Be the first to know...Receive automated email updates of homes that are NEWLY LISTED, come BACK ON THE MARKET or REDUCE in price

CLICK HERE to understand why Buyers are choosing Rector & Associates as their representative!

SELLING

Selling a home for the first time
Preparing your home for sale
Home value consultation / market analysis
Discover the right marketing plan for your property, the right price & terms for you and your family
Interim financing: How to buy another home, without having to sell your home first, or even at all!
Keeping you informed: Automated email updates of homes that are SELLING in your neighborhood
For sale by owner consultations
Rental analysis & leasing services for your home or investment properties
Selling isn’t always the right option!
Reverse mortgages for seniors
Lower your monthly payments: Refinance or re-adjust high interest rate or adjustable loans
Learn how new, short term, FHA & conforming guidelines can leverage your ability to purchase a second home or even refinance your existing loan
Strategic pricing & experienced negotiation when selling a home in or nearing foreclosure

CLICK HERE to understand why Sellers are choosing Rector & Associates as their representative!

FINANCIAL HARDSHIP & DEBT RELIEF

Learning what options are right for you:

Loan workout / modification
Repayment plans
Special forbearance
Short pay / Short Sales
Foreclosure
Deed in lieu of foreclosure
Partial Claim
Bankruptcy
Debt Settlement
Credit Repair & Credit Counseling
Cash for keys

TAX IMPLICATIONS & BENEFITS

Capital Gains Tax Exclusions
1031 Tax Exchanges
Understanding the tax benefits of owning a primary residence
Mortgage Forgiveness Debt Relief Act of 2007
Property Tax Relief:
Proposition 8: Reassessment due to decline in value
Proposition 60 & 90: Intra-county transfers
Proposition 58: Parent/Child
Proposition 193: Grandparent/grandchild
Proposition 110: Disabled persons

RELOCATION & REFERRAL NETWORK

Moving FROM our area: We belong to the nation’s largest network of real estate and lending professionals and can recommend you to top agents & lenders almost anywhere
Moving TO our area: We listen carefully to your needs and help you determine the best place to live

CLICK HERE to see why our clients love Rector & Associates!

We can help you too! Contact us today and we'll help give you the information you need to make the best decision for your situation.