Meet TERESA MUNGUIA
With nearly 30 years of real estate experience right here in San Diego, I’ve helped hundreds of homeowners sell their properties — from family homes to investment properties and everything in between.
Licensed since 1995, I bring a strong combination of market knowledge, negotiation skills, and personal dedication to every listing I take on. My goal isn’t just to sell your home — it’s to get you the best possible outcome with the least amount of stress.
I take a hands-on approach to the entire process:
• From pricing your home right
• To staging advice and marketing strategy
• To negotiating strongly on your behalf
• And staying in clear communication every step of the way
I treat your home like it’s my own, and I treat you like family. I understand that selling a home is a big decision — often emotional, sometimes urgent — and I’m here to guide you through it with care, experience, and full transparency.
Most of my clients have become long-time friends and repeat customers because they know I go above and beyond — before, during, and even after the sale.
When you list with me, you’re not just hiring a Realtor. You’re gaining a partner who will stand by your side, fight for your best interest, and make sure you feel supported through the entire transaction.
Let’s sell your home with confidence — and care.
HONORING YOUR CHOICE
BY DELIVERING AN EXCEPTIONAL EXPERIENCE
Our core values make us a seller’s brand.
HOME.
It’s the most important thing in our lives. It’s the place we long for at the end of the day, and the place that holds all we love and everything we cherish. And it’s our agents’ mission to bring the joy of home to every one of our clients with unrivaled expertise, passion and energy.
AWESOMENESS.
This is the spirit in every Coldwell Banker agent and office. It’s fun, it’s happy, it’s energetic, and its full of life. It’s optimistic and always sees opportunity ahead. It’s a worldwide network of affiliated agents joining forces to share insight and knowledge, so we can all succeed together.
INGENUITY.
From our very beginning in 1906, we saw things differently. We found new ways to help our clients, and pioneered many industry firsts. From the first real estate code of ethics to the first real estate mobile app, we’ve always been happiest when we’re leading the way to where the industry is going.
EXCELLENCE.
We believe that if you’re going to do something, you should be the best at it. Never settle for average. Always be exceptional. Whether it’s a listing presentation for a potential client, a home staging for an open house, or running an entire office—go beyond what’s merely expected and deliver something amazing.
WORKING WITH A COLDWELL BANKER REALTOR®
When you partner with a professional REALTOR® who is dedicated to finding you a home that meets your needs, you free up your time!
NOT ALL REAL ESTATE PRACTITIONERS ARE REALTORS®
The term REALTOR® is a registered trademark that identifies a real estate professional who is a member of the National Association of REALTORS® and subscribes to its strict code of ethics. On the next few pages are some important reasons why it pays to work with a REALTOR®
YOU’LL HAVE AN EXPERT TO GUIDE YOU THROUGH THE PROCESS
Buying or selling a home requires disclosure forms, inspection reports, mortgage documents, insurance policies, deeds, and multi-page settlement statements. A knowledgeable expert will help you prepare the best deal and avoid delays or costly mistakes.
OBJECTIVE INFORMATION & OPINIONS
REALTORS® can provide local community information on utilities, zoning, schools, and more. They will also be able to provide objective information about each property. A professional can help you answer these two important questions: Will the property provide the environment I want for a home or investment? Will the property have resale value when I am ready to sell?
FIND THE BEST PROPERTY AVAILABLE
Sometimes the property you are seeking is available but not actively advertised, and it will take some investigation by your REALTOR® to find all available properties.
WORKING WITH A COLDWELL BANKER REALTOR®
(CONT’D):
BENEFIT FROM THEIR NEGOTIATING EXPERIENCE.
There are many negotiating factors, including but not limited to price, financing, terms, date of possession, and inclusion or exclusion of repairs, furnishings, or equipment. In addition, the purchase agreement should provide a period of time for you to complete appropriate inspections and investigations of the property before you are bound to complete the purchase. Your agent can advise you as to which investigations and inspections are recommended or required.
REAL ESTATE HAS ITS OWN LANGUAGE.
If you don’t know a CMA from a PUD, you can understand why it’s important to work with a professional who is immersed in the industry and knows the language.
REALTORS ® HAVE DONE IT BEFORE.
Most people buy and sell only a few homes in a lifetime, usually with quite a few years in between each purchase. And even if you’ve done it before, laws and regulations change. REALTORS®, on the other hand, handle hundreds of real estate transactions over the course of their career. Having an expert on your side is critical.
BUYING AND SELLING IS EMOTIONAL.
A home often symbolizes family, rest, and security — it’s not just four walls and a roof. Because of this, home buying and selling can be an emotional undertaking. And for most people, a home is the biggest purchase they’ll ever make. Having a concerned but objective third party helps you stay focused on both the emotional and financial issues most important to you.
ETHICAL TREATMENT.
Every member of the NATIONAL ASSOCIATION of REALTORS® makes a commitment to adhere to a strict Code of Ethics, which is based on professionalism and protection of the public. As a client of a REALTOR®, you can expect honest and ethical treatment in all transaction-related matters. It is mandatory for REALTORS® to take the Code of Ethics orientation and they are also required to complete a refresher course every four years.
MARKETING Strategy
REACHING THE LARGEST POOL OF MOST LIKELY BUYERS.
Innovative VIRTUAL MARKETING
As the number one most visited real estate brand online*, we know the difference it makes to have your home digitally visible. Yesterday and today, we continue to use innovative tools to connect your home with the right buyer.
CBX BUYER LOCATOR TOOL
• Big data and predictive analytics help me create efficient and effective marketing plans targeting areas where buyers will likely live.
• This tool is exclusive to Coldwell Banker and its affiliates, providing insight into statistics and trends that other agents do not have access to.
• Heat maps illustrate buyers in cities that are most likely to relocate to the listing area.
INCREASED DIGITAL REACH
• Here at CBW, we take marketing to the next level. We have an exclusive relationship with Facebook that markets your listing to buyers looking in your area.
• We use innovative 3-D imaging software that allows potential buyers to walk through your home virtually.
• Creative and interactive digital brochures promote your home elegantly while keeping buyers safe.
• Single property websites can share gorgeous professional photography and additional home details.
SOCIAL MEDIA ADS
• Our exclusive relationship with Facebook allows our agents to easily run ads that are fully optimized to get the most amount of eyes on your home.
• A, B, C split testing pushes the most engaging ad out on Facebook and its suite of advertising tools.
• We can then share very specific analytics about the exposure your property is getting online.
*Reflects total website visits for 2019. Source: comScore 2019 Media Trends.
PROVEN RESULTS MARKETING SYSTEM
Basic services are where most agents stop. For us, it’s just the start!
THE BASICS:
• Multiple Listing Services (MLS)
• Property flyer
• Open house (if applicable)
• Provide forms for seller’s disclosure
• REALTOR® inspection
CUSTOM CURATED MARKETING SERVICES:
• Listing will be featured on personal website, single property website & syndicated to hundreds of real estate websites
• Professionally designed print materials
• Advertising through Broker Caravan Meetings
• Personalized follow up showing & buyer feedback
• Weekly marketing updates emailed with all new comparable data
• Top Producer & Referral Agent Network mailer
• Union Tribune print advertising: selective neighborhood publication.
UNPARALLELED MARKETING SERVICES:
• Worldwide internet exposure -- Coldwell Banker enhanced home listing on Zillow, Trulia, SignonSanDiego.com
• 3-D property tour and floor plan
• Professional video and photography
• Showing Suite automated feedback response system
• Direct-to-agent leads
• Agent network communication (CBW Chat)
• Professional agent and broker team support
• Staging, design, and renovation services
• Broker’s open house
• Comparative market analysis
• Lockbox
• Financing sheet
• Professional photos & virtual tour
• Free design consultation & color analysis
• Direct mail marketing campaign
• Qualification of all potential buyers before presentation of offers
• Organize & schedule approved trade vendors
• Coordinate & meet vendors and contractors
• Achieve best seller net in shortest amount of time
• Full-service team whenever you need us
• Guaranteed service satisfaction or the right to cancel
• Kartikay Escrow Corporation and California Preferred Escrow - escrow services
• Point Mortgage Company -- financing
• Agent guided disclosure document review
• Service performed guarantee
• Customized YouTube channel
• Collaboration with on-staff marketing brand manager
• Licensed support staff
• Full-time Broker office manager
MARKETING YOUR
home
In
real estate marketing, there is no such thing as one-size-fits-all.
Buyers search on many unique platforms, from home search websites, to newspapers, to neighborhood open houses. We know the kinds of buyers looking for a home like yours, and are able to tailor our marketing strategy to them.
ONLINE EXPOSURE
Almost 100% of home buyers are looking online. Marketing your property on the internet is essential in accessing a worldwide audience.
DIGITAL MARKETING
We drive traffic from social media to your online listing with targeted ads to buyers, posted from our proprietary CBx platform. Additionally, your listing will be featured in our
PROFESSIONAL PHOTOGRAPHY
Well-lit and high resolution photography is essential to showcase your home in the best possible way.
PROPERTY VIDEO & VIRTUAL TOURS
We help your home stand out by applying the latest in video and virtual-tour marketing.
MARKETING YOUR
(CONT’D):
REALTOR ® NETWORK
home
Your home will be exposed to an expansive network of local and global real estate agents, placing your property in front of buyers that are searching for a house just like yours.
OPEN HOUSE
An open house creates a comfortable setting for potential buyers to view your property.
PROPERTY FLYERS AND DIRECT MAILERS
With Coldwell Banker West, we use professionally designed brochures and postcards — to present your property in the best way possible.
YARD SIGNS
Yard signs create visibility in the community and are an easy way for potential buyers to reach out for more information.
SECURE LOCKBOX
A lockbox allows trusted real estate agents to show your property while providing you peace of mind that your home is secure.
SHOWING FEEDBACK
The best way to ensure your selling strategy is working is to hear from prospective buyers and agents. We automate our feedback so you are never left guessing what buyers are thinking.
WE HAVE YOUR NEEDS IN MIND
We will work with you to tailor a marketing plan that suits your individual needs. We will work closely with you to make sure you are comfortable with every step of the marketing process. As part of your team, we want to make sure selling your home is as seamless and effortless as possible.
ONLINE EXPOSURE Maximum
With 99% of buyers searching online, we pull out all the stops to ensure that your home is seen by the right buyer. Here are some of our unique and exclusive marketing options that take your listing to the next level.
Virtual
HOME SELLING PROCESS
Buyers are still looking and sellers are still selling. The only difference is finding the safest and most efficient way to fulfill the needs of everyone. Our selling process is simple, virtual, and most importantly, safe!
VIRTUAL CONSULT:
We will schedule a virtual, dynamic consultation to discuss your objectives and create the best plan to fulfill them.
DIGITAL MARKETING PLAN:
We will customize our digital and virtual marketing plan to generate maximum exposure to your home.
VIRTUAL HOME TOUR EXPERIENCE:
To provide a thorough virtual experience, we will utilize 3-D virtual walk through technology, aerial drone visuals, and highlight videos.
ELECTRONICALLY SIGN:
Once you accept an offer, you will electronically sign and review all documents, offers, disclosures, etc.
INSPECTIONS:
All inspectors and appraisers will wear personal protective equipment and take the necessary precautions to conduct walk throughs safely.
CLOSING & CONVEYANCE:
Closing documents will be signed with a mobile notary and all access materials / information will be transferred safely and remotely.
THE SELLING Process
FROM BEGINNING TO END, I WILL COMMUNICATE AND GUIDE YOU THROUGH THE PROCESS OF SELLING YOUR HOME.
safely SHOWING HOMES
That’s why a majority of initial showings are virtual first. We use 3-D tours, property websites, and live virtual showings with your Coldwell Banker West REALTOR® prior to having a potential buyer visit your home. Our goal when selling your home is the safety for all involved in the transaction.
ALL VISITORS ARE REQUIRED TO FOLLOW THE BELOW GUIDELINES WHEN VISITING YOUR PROPERTY:
• If a potential buyer is experiencing any symptoms including: Fever, sore throat, coughing, or difficulty breathing, they may not enter the home.
• The use of hand sanitizer is required prior to entering the property.
• Visitors are encouraged to avoid touching their face or mask when in the home.
• Wearing PPE is required upon entering the property.
• A limit of two visitors per household to maintain proper social distancing.
• All visitors must maintain a six feet distance.
• All visitors must avoid touching any surfaces.
• After visiting the home, an agent will request the disposal of all protective equipment.
SHOWING HOMES
safely
Our goal when selling your home is the safety for all involved in the transaction.
That’s why a majority of initial showings are virtual first. We use 3-D tours, property websites, and live virtual showings with your Coldwell Banker West REALTOR® prior to having a potential buyer visit your home.
ALL VISITORS ARE REQUIRED TO FOLLOW THE BELOW GUIDELINES WHEN VISITING YOUR PROPERTY:
• If a potential buyer is experiencing any symptoms including: Fever, sore throat, coughing, or difficulty breathing, they may not enter the home.
• The use of hand sanitizer is required prior to entering the property.
• Visitors are encouraged to avoid touching their face or mask when in the home.
• Wearing PPE is required upon entering the property.
• A limit of two visitors per household to maintain proper social distancing.
• All visitors must maintain a six feet distance.
• All visitors must avoid touching any surfaces.
• After visiting the home, an agent will request the disposal of all protective equipment.
HOME ENHANCEMENT checkist
How exciting – you’ve decided to sell your home! Now it’s time to see it from a buyer’s perspective. Let’s review this home enhancement checklist together and decide what changes you can make to ensure your home photographs beautifully, presents well to buyers, and helps maximize your potential financial return.
ENHANCEMENT KEY
T IDY UP
Less is more! Store away any items you don’t use.
CLEAN UP
A clean home gives the impression that it has been well cared for. A simple fresh coat of paint and deep clean are always a good idea.
PATCH IT UP
Take care of minor issues before your home goes on the market.
ADD FINISHING TOUCHES
Make your home stand out with little extras.
EXTERIOR:
c Mow lawn, trim trees and bushes
c Pull weeds, rake leaves, dispose of any dead plants
c Put away outside tools and equipment
c Wash windows (outside and inside)
c Sweep driveways and sidewalks
c Repair windows and doors
c Repair any major cracks in sidewalks or driveway
c Repair shutters, gutters, windows, fencing, siding, or roof shingles
c Improve yard landscaping with new sod, flowers, plants, and mulch
c Add a welcome mat at the entrance
c Replace house numbers
c Add a hanging or potted plant
KITCHEN:
c Clear any extra gadgets/appliances
c Remove everything from exterior of the refrigerator (pictures, magnets, etc.)
c Remove any paper, mail, and other items from counter tops
c Clear counters and sink of all dishes and pans
c Polish sinks and wipe down cabinet fronts
c Clean all appliances, outside and inside
c Mop kitchen floor
c Air out and deodorize garbage/recycling area
c Repair any sink/faucet leaks
c Repair/replace any broken appliances
c Repair any non-working cabinets or drawers
c Patch and paint ceilings and walls if necessary
c Lay down a throw rug
c Add small plants
BATHROOMS:
c Clear clutter and unnecessary items from counter top
c Organize all cabinet interiors
c Clean bathtub, toilets, and sinks
c Mop bathroom floor
c Polish bathroom fixtures and mirror
c Repair leaky faucets, toilets, or sinks
c Grout and caulk tilework if necessary
c Patch and paint ceilings and walls if necessary
HOME ENHANCEMENT checklist
(CONT’D)
TIDY UP | CLEAN UP | PATCH IT UP | ADD FINISHING TOUCHES
THE LIVING AREA:
c Clear clutter like newspapers and mail
c Discard any worn furniture, rearrange furniture, and store extra pieces
c Straighten bookshelf contents
c Vacuum/mop floors, clean and deodorize carpet
c Polish furniture
c Dust or wipe down lighting fixtures
c Ensure all light fixtures and bulbs are working
c Wash windows
c Clean fireplace
c Patch and paint ceilings and walls
c Add a scented candle, fresh flowers
c Rearrange pictures to highlight areas
c Add lighting if room is dark
BEDROOMS :
c Clean and declutter children’s bedroom, put toys away
c Discard any worn furniture, rearrange furniture, and store extra pieces
c Store seasonal clothing elsewhere to make more room in closets
c Make sure all clothing is put away
c Install a working smoke detector in each bedroom and one in each hallway
c Install a working carbon monoxide detector on each level of the home, preferably in a hallway
c Patch and paint ceilings and walls
c Add plants
c Add throw pillows to beds
BASEMENT & GARAGE:
c Organize and declutter all spaces
c Box up and store away unnecessary items
c Sweep and mop floors
c Remove any cobwebs and dust from window sills, walls, and ceilings
c Clean windows, outside and inside
c Ensure all A/C, heating, and water heater appliances are working
LAST MINUTE CHECKLIST
Complete these last-minute touches when a buyer is on the way to view your home!
EXTERIOR:
c Clean up after pets
c Pick up toys or tools on lawn
c Clear all driveways and walkways
INTERIOR:
c Freshen air by opening windows
c Quick tidy up
c Only play instrumental music
Other Observations:
NEGOTIATIONS
As experienced REALTORS®, we have trained extensively on how to negotiate on your behalf as well as how to manage the following areas:
• Contract terms and conditions
• Counteroffers
• Seller disclosures
• Review of the title report
• Buyer’s home inspection and reports
• Termite inspection and reports
• Buyer’s request for repairs
• Escrow instructions
• Communication with the mortgage lender
• Preparation of recent, comparable home sale reports
• Clear communication with the buyer’s agent on the buyer’s side
ONCE YOU ACCEPT AN OFFER: ESCROW BEGINS
Use this flow chart to see the process of escrow from start to finish.
BUYER
Selects a REALTOR®
START
BUYER
Gets pre-approved by lender if new loan needed
SELLER
Selects a REALTOR®
SELLER
Prepares house for showing & selling
BUYER
Views homes with Real Estate Professional
BUYER
Selects home and submits contract with Loan Status Report (LSR)
SELLER
Reviews and accepts contract from buyer
Inspection reports sent to applicable party, reviewed and notified
Appraisal ordered and completed
Inspections ordered
Escrow opened and preliminary report ordered
BUYER
Advises escrow of home insurance policy
BUYER
Deposits required funds
Loan documents returned to lender for review
BUYER
Receives key from real estate professional
Closing documents compiled by escrow
Escrow ensures all contract conditions have been met
BUYER
Receives final loan approval from lender
Loan Documents prepared by lender and sent to escrow
Lender “funds loan” (sends funds to escrow)
After recording, confirmed escrow disburses funds
Final documents sent to interested parties
Documents recorded and escrow closed
home SELLING YOUR
HOW TO GET THE MOST MONEY
Every home seller wants to maximize their financial return. Here are tips to ensure you’ll receive the highest price possible.
1. PRICE IT COMPETITIVELY
This may seem counterintuitive when trying to receive the best offer on your home. Most sellers think that they should price their home over market value to leave room for negotiation. However, when they do this, it makes the demand less for this home (meaning little to no negotiations.) See chart below for more details.
A house that’s priced lower could generate higher interest and demand. This means there will be more people interested, and thus more room for negotiations. Buyers will bid against each other, which will result in the potential sales price going up.
Advice from Realtor.com:
“Aim to price your property at or just slightly below the going rate. Today’s buyers are highly informed, so if they sense they’re getting a deal, they’re likely to bid up a property that’s slightly under priced especially in areas with low inventory.”
YOUR TAKE AWAY
2. USE A REAL ESTATE PROFESSION AL
A recent study from Collateral Analytics revealed that For Sale By Owner (FSBO) homes don’t actually save the seller money. In many cases, it actually costs them more than it would with an agent.
The study analyzed a sample of homes in different markets from 2016 through the first half of 2017 to find:
“FSBOs tend to sell for lower prices than comparable home sales, and in many cases below the average differential represented by the prevailing commission rate.”
These results showed that the difference in selling prices between FSBOs and MLS sales of similar properties are about 5.5%. 2017 sales also suggested that the average price for FSBOs was 6% lower than that for similar properties.
You should hire a real estate professional and price your home slightly below value to maximize the demand and price you will receive for your home.
The Impact of Price on Visibility
The higher you price above market value, the lower the demand
Percentage of Potential Buyers Who Will Look at Property
WhyCOLDWELL BANKER WEST
SERVING YOU SINCE
1906
3668.5 UNITS SOLD*
1,000+ AGENTS
Coldwell Banker was built on the principles of honesty, integrity and always putting clients first, we changed the industry then and continue to do so today.
We started 10 years ago in one small office in Bonita. We now have over 1000 agents with offices across San Diego County and are fastestgrowing franchise within the brand nationwide. We are continually growing and expanding, and our reach is limitless.
Our full range of real estate services includes: residential resale, commercial, mortgage, escrow, and property management. We are here to help you with all of your real estate needs.
* Total units sold in San Diego County from November 2018 through October 2019.
IN SAN DIEGO COUNTY
Testimonials CLIENT
“Teresa Munguia is the best -
I can actually say she was the best realtor to work with. Always putting me and my needs first, going an extra mile to make sure I was happy and found the home of my dreams, always there to answer any question that I had and always with a smile on her face! If you are looking to buying a home a want to have a wonderful experience while doing so, this is the place to be. Teresa Munguia is the best.”
- Angelica Lara
“Place your trust in Teresa -
A stellar experience can be expected from this consummate professional. Place your trust in her. She exudes personality that’ll ease your stress and abate the anxiety that comes with a purchase as major as a home. She’s very knowledgeable and meticulously dedicted to her craft. Teresa is exhaustive in her efforts to ensure that you secure your dream home and works with an outstanding taem on deck. That serves as an added utility in your home buying process. Don’t take MY word for it! Allow Teresa to demonstrate her level of prowess and you’ll be just like me! Beyond satisfied!
- Choice or No Choice
“Teresa
gracefully met my husband and I all over San Diego -
We are so grateful to have met Teresa. She came highly recommended by a friend of our family and she did not disappoint. Teresa gracefully met my husband and I all over San Diego. From North County all the way to remote Jamul, Teresa showed us numerous homes without question. She did research on the properties that we wanted to see in advance, so neither of us were wasting our time and kept us in the loop throughout the entire home buying process. She encouraged us to stay positive with the ups and downs that we experienced, that was dificult for us as we were first time home buyers. We didn’t want to settle. Each person in our family of four had a want for our new home. We did find out perfect home and we couldn’t have done it without Teresa.”
- Jen T.
“Teresa is THE realtor to go to -
Teresa is THE realtor to go to when you are looking for your dream home. She was always professional and very responsive to all of our questions during the process. Definitely would recommend her!
- Claudia Farias
REAL ESTATE TERMS TO KNOW
AMENDMENTS: A change—either to alter, add to, or correct—to part of an agreement.
APPRAISAL: An estimated property value resulting from analysis of facts about the property; an opinion of value.
ASSUMPTION: When the buyer accepts responsibility for liens or other obligations attached to the property title. In some cases, this means the new buyer takes over the old mortgage.
BENEFICIARY: The recipient of benefits, often from a deed of trust; usually the lender.
CLOSE OF ESCROW: The date when documents are recorded and title passes from seller to buyer. On this date, the Buyer becomes the legal owner, and title insurance becomes effective.
COMPARABLE SALES: Sales that have similar characteristics as the subject real property, used for analysis in the appraisal. Commonly called “comps.”
DEED OF TRUST: An instrument used in many states in place of a mortgage.
DEED RESTRICTIONS: Provisions contained in deeds to limit the use of the property.
EARNEST MONEY DEPOSIT: Down payment made by a purchaser of real property as evidence of good faith; a deposit or partial payment.
EASEMENT: A right, privilege, or interest, limited to a specific purpose that one party has on land owned by another.
HAZARD INSURANCE: Real estate insurance protecting against fire, some natural causes, vandalism, etc., depending upon the policy. Buyer often adds liability insurance and extended coverage for personal property.
IMPOUNDS: A type of trust account established by lenders for the accumulation of the borrower’s funds to meet periodic payments of taxes, mortgage insurance premiums; and/or future insurance policy premiums.
LEGAL DESCRIPTION: A description of land recognized by law, based on government surveys, spelling out the exact boundaries of the entire parcel of land. It should thoroughly identify a parcel of land that cannot be confused with any other.
LIEN: A form of encumbrance that usually makes a specific parcel of real property the security for the payment of debt or discharge of an obligation for example, judgments, taxes, mortgages, deeds of trust.
MORTGAGE: The instrument by which real property is pledged as security for repayment of a loan.
PITI: A payment that combines principal, interest, taxes and insurance.
POWER OF ATTORNEY: A written instrument whereby a principal gives authority to an agent. The agent acting under such a grant is sometimes called “attorney-infact.”
PURCHASE AGREEMENT: The purchase contract between the buyer and seller. It is usually completed by the real estate agent and signed by the buyer and seller.
QUITCLAIM DEED: A deed operating as a release, intending to pass any title, interest, or claim which the grantor may have in the property, but not containing any warranty of a valid interest or title by the grantor.
RECORDING: Filing documents affecting real property with the County Recorder as a matter of public record.
