Cobb real estate CA, Middletown real estate, Kelseyville real estate, home listings and homes for sale in California, Vacation Homes, Lakefront and Waterfront Properties - Timothy Toye, REALTORS® Timothy Toye REALTORS(r) for Cobb, Middletown, Kelseyville, California real estate, Vacation Homes, Lakefront and Waterfront Properties - NUMBER1EXPERTS™ Timothy Toye NUMBER1EXPERTS(tm) for Cobb, Middletown, Kelseyville, California real estate, Vacation Homes, Lakefront and Waterfront Properties
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Timothy Toye, REALTORŪ, real estate agent and broker associate for Cobb, Middletown, Kelseyville California home listings, property and land for sale - NUMBER1EXPERT(tm)
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First Time Homebuyers: Cobb, Middletown, Kelseyville California home buying, real estate listings, and homes for sale in Lake                           County, CA
Welcome > For Buyers > First Time Homebuyers ...


Buying Your First Home? Realtors Are Your Professional Guides. Choose the Leading Lake County Real Estate Team. 

You might be a bit afraid or intimidated by the whole process of buying your first home. As top Lake County realtors, it's our job to guide you, from beginning to end. 

We will take the time to go through each and every step of the buying process. There are no dumb questions! 

Together, we will consider: 

- How much can you really afford? 

- How to qualify for a mortgage. 

- How much cash you should put down. 

- How to buy a home with little or nothing down. 

- What it takes to get approved for financing. What banks and other financial institutions are looking for. 

- How much your payments will be. 

- The tax advantages of buying. The government gives everyone who owns their own home a big financial advantage with the mortgage interest and property tax deduction. Buying a home is Likely less expensive than you think. 

- Is renting or buying better for you? 

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Real Estate Tips
First Time Buyers >A Realistic Evaluation

Your real estate agent's job is to find you the perfect home, in the right location, with all the amenities you want--and at the right price. It is the home inspector's job to find any skeletons in the closet -- or in the plumbing, wiring, roof, basement and beams.

The inspector won't pass or fail a home based on what he or she finds, but will go over the house thoroughly to help you understand the condition of the property you are buying. If there are any serious problems, your inspector can give you a realistic idea of how much the repairs will cost. If there are material defects that were not reflected in the asking price, you will have the opportunity to re-open negotiations with your sellers before you commit to the purchase. A good inspector will also explain the operation of the basic emergency systems such as the main water cut off valve and the circuit breaker box, and will go over items that will need routine maintenance.

If you are buying a house, we recommend that you make a professional home inspector part of your home purchase team.

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Real Estate Trivia
Q 
How can you give your home the equivalent of sunglasses?

A 
Install low "E" squared glass filters sunlight, saves on energy costs and prevents fading of furniture, drapes and carpets.
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Timothy Toye, REALTORŪ, 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
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.

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 with full office marketing and administrative assistance to ensure that you have a positive and successfull 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.

A resident of Lake County since 1991, Team Toye 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.

Equal Housing MLS REALTOR


Timothy Toye & Associates

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