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Professional Resume: Cobb, Middletown, Kelseyville California home buying, real estate listings, and homes for sale in Lake                           County, CA
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Meet Timothy Toye

THE TOP SELLING REALTOR IN LAKE COUNTY
Selling More Properties Than Any Other Realtor



Timothy Receiving Awards from Phil Smoley


Meet Timothy Toye

Timothy Toye

THE TOP SELLING REALTOR IN LAKE COUNTY
Selling More Properties Than Any Other Realtor




Timothy Receiving Awards from Phil Smoley


 

Timothy has more than 20 years experience successfully selling real estate both in California and the US, as well as in his native land of New Zealand. He has extensive management, investment and marketing experience in the real estate industry, having worked and consulted with Best Image Marketing, the top internet marketers for realtors in North America, and located in Lake County. Both a high Individual producer, having closed over 130 transactions in a year, and a skillful sales manager. In 2003 and 2004 he sold property to more buyers in the whole of Lake County than any other realtor. In 2005 he has sold more properties for both buyers and sellers than any other realtor in the County. In 2006, as well as 2007, he again sold more properties than any other realtor. In 1990 he led his sales team to the #1 residential sales production award in the whole of New Zealand. He has invested personally in real estate extensively in many different kinds of property including single family homes, fixer-uppers, apartment buildings and raw land. He has bought several properties 'creatively' with no money down. As he has made money in real estate, so will he help you. A resident of Lake County since 1991, Timothy brings a combination of personal skills and in-depth experience to ensure your real estate experience is as positive and beneficial for you as possible. 

How I Work
I don't "sell" in the conventional sense, by trying to get you to do something, such as to sell or buy a property, that benefits me by earning a commission. In fact I don't think about commissions at all. My purpose is to help my clients consider their options. My job is to get you to make a well-informed decision. It may be to buy or sell, or it may not. It doesn't matter. If you reach a conscious decision, that is success for me. In fact sometimes I will recommend not to buy or sell, even though this will not be in my immediate financial interest. This enables my clients to trust me, and for me to provide optimum service ethically and with real integrity. Many of my clients are my friends, and I have done business again and again with them, so I really couldn't operate any other way. This way of operating has been successful financially for me, but that is secondary. I have sold real estate for a long time, and I have had to make sure that how I conduct my profession is in accord with the fundamental principles of how I live my life. This is how I do it. 

Meet Timothy Toye

Timothy Toye

THE TOP SELLING REALTOR IN LAKE COUNTY
Selling More Properties Than Any Other Realtor




Timothy Receiving Awards from Phil Smoley


 

Timothy has more than 20 years experience successfully selling real estate both in California and the US, as well as in his native land of New Zealand. He has extensive management, investment and marketing experience in the real estate industry, having worked and consulted with Best Image Marketing, the top internet marketers for realtors in North America, and located in Lake County. Both a high Individual producer, having closed over 130 transactions in a year, and a skillful sales manager. In 2003 and 2004 he sold property to more buyers in the whole of Lake County than any other realtor. In 2005 he has sold more properties for both buyers and sellers than any other realtor in the County. In 2006, as well as 2007, he again sold more properties than any other realtor. In 1990 he led his sales team to the #1 residential sales production award in the whole of New Zealand. He has invested personally in real estate extensively in many different kinds of property including single family homes, fixer-uppers, apartment buildings and raw land. He has bought several properties 'creatively' with no money down. As he has made money in real estate, so will he help you. A resident of Lake County since 1991, Timothy brings a combination of personal skills and in-depth experience to ensure your real estate experience is as positive and beneficial for you as possible. 

How I Work
I don't "sell" in the conventional sense, by trying to get you to do something, such as to sell or buy a property, that benefits me by earning a commission. In fact I don't think about commissions at all. My purpose is to help my clients consider their options. My job is to get you to make a well-informed decision. It may be to buy or sell, or it may not. It doesn't matter. If you reach a conscious decision, that is success for me. In fact sometimes I will recommend not to buy or sell, even though this will not be in my immediate financial interest. This enables my clients to trust me, and for me to provide optimum service ethically and with real integrity. Many of my clients are my friends, and I have done business again and again with them, so I really couldn't operate any other way. This way of operating has been successful financially for me, but that is secondary. I have sold real estate for a long time, and I have had to make sure that how I conduct my profession is in accord with the fundamental principles of how I live my life. This is how I do it. 




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Real Estate Tips
First Time Buyers >Credit Card Traps

It is not unusual for first-time buyers to be free of debt. They have been saving for their first home for many months or even years. But after they move into their new home, the new homeowners are often deluged with pre-approved credit card applications from banks and stores offering credit lines. Before they realize what is happening, they can be overwhelmed with debt.

The consumer credit agencies know that mortgage companies do thorough checks before approving a loan, and those who have passed through that process are considered good credit risks. They also know that new homeowners often need to make major purchases of furniture and appliances at a time when they have depleted most of their savings accounts. After years of disciplined savings, new owners may be faced with a tremendous temptation to just say "charge it" for the things they need.

If you have just purchased a home, be aware--and wary--when those credit card applications start pouring in!

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What mortgage transactions between borrowers and lending institutions operate in the private sector of the economy?

A 
Conventional mortgages are private sector transactions that are not insured or guaranteed by the government.
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Timothy Toye, REALTOR®, real estate agent and broker associate for Cobb, Middletown, Kelseyville California home listings, property and land for sale - NUMBER1EXPERT(tm)

Timothy Toye
Timothy Toye & Associates

Cobb Village Center
16360 Hwy. 175
Cobb, CA. 95426-1353
Office: 707-928-6900
24-Hour Direct Line: 707-928-5912
Fax: 707-928-5696
Email: Timothy@TeamToye.com


Lake County's Leading Real Estate Team covering the whole of the County including Cobb, Middletown & Hidden Valley Lake, Clearlake Riviera, Jago Bay, Riviera West, Buckingham & Riviera Heights, Kelseyville, Lakeport, Lower Lake, Clearlake Oaks, Nice, Lucerne and Upper Lake, as well as lakefront, ranches and acreage properties.

Timothy has more than 26 years experience successfully selling real estate both in California and the US, as well as in his native land of New Zealand. He has assembled a powerful team of experienced Realtors, operating on specific professional principles, with full marketing and administrative assistance to ensure that you have a successful real estate experience.

He has extensive management, real estate investment and marketing experience, having worked and consulted with Best Image Marketing, the top Internet marketers for Realtors in North America, and located in Lake County. The other members of the team complement this experience.

Timothy is both a high individual producer, having closed as many as 130 transactions in a year, including selling more properties than any other Realtor in the County from 2004 to the present, as well as a skillful sales manager & trainer.

In 1990 he led his sales team to the #1 residential sales production award in the whole of New Zealand. He and his team have invested personally in real estate extensively in many different kinds of property including single family homes, fixer-uppers, apartment buildings and raw land. They have bought several properties 'creatively' with no money down.

Team Toye, the most productive real estate sales team in Lake County in 2009, and in 2011 we have represented more buyers than any other real office in the county, brings a combination of personal skills, in-depth experience, and positive principles of professional practice to ensure your real estate experience is as positive and beneficial for you as possible.

Equal Housing MLS REALTOR


Timothy Toye & Associates real estate and homes for sale in Cobb, Middletown and Kelseyville

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