THE BLUEPRINT TO SELLING YOUR HOME Presented to: Ernie & Linda Bjork 7270 Calabria Court , 92122 Presented by:
ABOUT ME Vicki Dutch-Jones – Top-Producing Realtor®, Coldwell Banker West | San Diego, CA Vicki Dutch-Jones has been a licensed California Real Estate Agent since 2003 and is currently a Top Producer with Coldwell Banker West in San Diego. A proud member of the San Diego Association of Realtors, Vicki is passionate about guiding clients through one of life’s biggest milestones — buying or selling a home — and turning their homeownership dreams into reality. She is one of the Top 4% of all Coldwell Banker associates globally, earning the International President’s Circle award for 2024. Vicki is also a member of REBA — a professional organization in La Jolla open to Real Estate Brokers, Salespersons and real estate related affiliates. And as member of the San Diego Association of REALTORS® (SDAR) she brings further value with benefits through access to advanced tools like MLS
services and marketing platforms, professional development that leads to more informed representation, advocacy on legislative and legal issues, and exclusive discounts and resources that can save clients money. Recognized as a multi-year Five Star Real Estate Agent in San Diego Magazine — an honor awarded to only the top 3% of Realtors in the region — Vicki’s reputation is built on trust, dedication, and a personalized approach. With over two decades of experience, she has developed a sharp eye for detail, strong negotiation skills, and a deep understanding of the ever-changing San Diego market. Vicki delivers what she calls “Signature Service” to every client she works with, treating each transaction with care, professionalism, and the respect it deserves — no matter the size or scope. Her commitment is simple: every client receives the same high level of service, because everyone deserves nothing less. Buying or selling a home? Vicki would love the opportunity to work with you and help you navigate your journey with confidence and ease.
REALTOR® | DRE #01384539
619.723.7010 Vicki@VickiDutchJones.com www.VickiDutchJones.com
RECENT SALES
11318 Caminito Rodar San Diego, CA 92126 $2,427,990 - Represented Buyer
10818 Lamentin Ct La Jolla, CA 92124 $680,000 - Represented Seller
3271 Monroe Ave San Diego, CA 92116 $935,000 - Represented Seller
5172 Caywood Ave San Diego, CA 92117 $990,000 - Represented Buyer
3270 Innuit Ave La Jolla, CA 92117 $1,120,000 - Represented Seller & Buyer
1388 Kettner Blvd San Diego, CA 92124 $848,000 - Represented Buyer
6836 Forum Street San Diego, CA 92111 $1,250,000 - Represented Seller
8223 El Paseo Grande La Jolla, CA 92037 $4,500,000 - Represented Buyer
3270 Eichenlaub Street San Diego, CA 92117 $1,549,000 - Represented Seller
5045 Arroyo Lindo Ave San Diego, CA 92117 $1,200,000 - Represented Seller
3221 Cadden Ct San Diego, CA, 92117 $2,100,000 - Represented Both
3309 Cadden Dr San Diego, CA 92117 $2,000,000 - Represented Seller
CLIENT REVIEWS
To Whom It May Concern, We are so happy to recommend Vicki Dutch-Jones to anyone looking for a realtor in the San Diego area. Vicki helped us sell our townhouse in San Diego, and from the very beginning, we felt fortunate to have her guiding us through the process. She was warm and knowledgeable, and was always willing to take the time to answer our questions. Selling a home is stressful, but Vicki made us feel comfortable and confident every step of the way. What really stood out to us was how much care Vicki put into the sale of our home. She knew the market extremely well and worked diligently to make sure our townhouse was presented and positioned in the best possible way. Her hard work paid off almost immediately. We received an incredible offer as soon as we listed, and we were absolutely thrilled with the result. Beyond the successful sale, we truly appreciated how easy Vicki was to work with. She was always there when we needed her, and it was clear that she genuinely cared about helping us achieve the best outcome. We never felt like we were simply another transaction. We are incredibly grateful to Vicki for everything she did for us and would recommend her without hesitation. If you are looking for someone who knows the San Diego real estate market and will truly care about you and your home, Vicki is a wonderful choice. Best, EVAN AND CHRISTINE GROVE
CLIENT REVIEWS My husband and I were introduced to Vicki Dutch-Jones by another realtor. She came very highly recommended as being a 5-star realtor who has decades of experience. I went to her personal listing’s open home and we made plans to see homes within days. Luckily, she showed me the perfect match for my family and she drew up the offer and submitted it right away. Vicki was so easy to work with. She is very beautiful both on the outside and inside. So unassuming, Vicki will give straight forward professional advice when its most crucial in selecting a home to make an offer on. She is the most honest and discerning real estate broker we have ever had the pleasure of working with. My husband and I recommend her real estate services without hesitation. Vicki is definitely the best of the best in her profession. ROCHELLE & TOM
Vicki has been our partner in buying and selling homes in La Jolla and University City. She is knowledgeable, connected, experienced, and works tirelessly to get a great outcome for her clients. Vicki is THE BEST. She is the only realtor we’d ever use.
ELIZABETH
Vicki Dutch-Jones is a powerhouse!! She has endless energy, enthusiasm, and experience when it comes to either selling your home or helping you buy a home! She has done both for me and most successfully! She will spend her time getting to know her client, making sure she knows you very well and what you want and need! Then she goes to town and makes everything fall into place! She knows no problems, only solutions! I thoroughly enjoy working with her and her incredible team! They are accessible, professional, and extremely knowledgeable! I love buying and selling real estate. Vicki Dutch-Jones will always be my go-to agent! You won’t be disappointed! KRISTEN
Vicki Dutch-Jones helped me immensely purchasing my first home. She was incredibly patient, kind and understanding with my limited knowledge of the real estate industry. Since I was looking for a home in a more rural, remote area of San Diego county there were several challenges and inconveniences that she had to overcome in order to find the perfect home for my family. Throughout the entire process I always felt that Vicki put my needs first and was always looking out for my best interests. I highly recommend Vicki and would definitely hire her as my agent again if either selling or buying another property. 10 STARS! JODIE
CLIENT REVIEWS Vicki Dutch-Jones is an awesome Realtor and a wonderful person! She is the consummate profession, she exhibited a high degree of skill and integrity throughout our real estate transaction. Vicki gets the job done--she sold our home for $65,000 above list price with 8 offers! I highly recommend that anyone in the real estate market, buyer or seller, contact Vicki, you will not be disappointed.
MICHAEL
Vicki has helped us complete a sale and a purchase this year. She is awesome! she is very knowledgeable about the process and also how to market a property. She also has resources for repairs and fixes. I wouldn’t think of another agent that can give you personal service like her. If you don’t use her you’re selling yourself short.
MILLERCONSULT
Vicki helped my wife and I in selling our condo and buying a house. Vicki was able to sell our condo in less than a week and helped us complete the paperwork even though we were out of the country. She then represented us in purchasing our current house. Vicki was with us every step of the way and did a wonderful job managing a difficult seller and getting us our house at a fair price. Vicki and her husband Alex even went so far as to helping move the last bit the seller’s furniture out when he ran into difficulties on closing day. We credit Vicki’s neighborhood knowledge and perseverance with helping us find a home we love. Vicki has our highest recommendation and I would not hesitate to have her represent a friend or to use her again.
CRAGSTR
Fantastic knowledge of San Diego properties. Returned messages on the same day and was always available to show me homes. Also very helpful with giving me resources lenders and inspectors, termite and such. Very professional! Love working with her.
BOOKA
Vicki was an exceptional agent who consistently ensured that nothing slipped through the cracks during our home-buying process. Her diligence and proactive approach kept the deal on track, and her dedication to every detail was impressive. From negotiations to the final closing, Vicki’s commitment to providing top-notch service made buying our home a smooth experience. We wholeheartedly recommend her to anyone in search of a reliable and efficient agent.
Selling your home is about more than a transaction – it’s about creating the foundation for a life well lived.
STEP BY STEP
THROUGH YOUR JOURNEY
STEP 1 – PRICING • Prepare a comparative market analysis (CMA) • Review market conditions • Review other homes on the market • Discuss your home-sale goals • Determine the optimal listing price
STEP 2 – PREPARING • Remove clutter and organize • Clean and make repairs • Consider property upgrades or enhancements • Stage your home for sale • Consider a home protection plan • Complete listing documents and disclosures
STEP 3 – MARKETING • Launch customized go-to-market strategy for your home • Implement your home’s 360˚ property marketing plan • Syndicate your home’s listing to an extensive network of real estate websites • Install distinctive Coldwell Banker® yard sign • Respond to online buyer inquiries • Arrange showings • Communicate feedback • Provide market updates
STEP 4 – CLOSING • Evaluate offers and negotiate best price and terms • Facilitate inspections • Coordinate closing date, time, location and contacts • Monitor buyer financing and home appraisal • Follow up on details • Review closing statement • Close the sale • Provide copies of all closing documents
For sale
1. Based on Coldwell Banker Financial Data 01/01/2025-12/31/2025. 2. Based on the 120-year history of the Coldwell Banker brand and transaction longevity compared to other national real estate brands.
As a leader in the industry for over a century, we’ve guided more home buyers and sellers than any other company in the history of America* .
*Based on the 120-year history of the Coldwell Banker brand and transaction longevity compared to other national real estate brands.
PROVEN. POWERFUL. PERSONAL. Selling your home is a big deal–and the company that helps you should be, too. In 2025, the Coldwell Banker® brand closed $246+ billion in sales volume1. Coldwell Banker affiliated agents handled 449,698 transaction sides in the U.S. in 20251. This is a brand committed to empowering agents like me with the innovative technology, strategic marketing and powerful network I need to market your home in the best possible way.
1. Based on Coldwell Banker Financial Data 01/01/2025-12/31/2025.
WORKING WITH A
Coldwell Banker Realtor® NOT ALL REAL ESTATE AGENTS ARE REALTORS ® REALTOR® is a registered trademark that identifies a real estate agent who is a member of the National Association of REALTORS® and subscribes to its strict code of ethics. 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. FINDING 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. THE BENEFIT OF NEGOTIATION EXPERIENCE There are many negotiating factors, such as financing, terms, date of possession, and inclusion or exclusion of repairs, furnishings, etc. Plus, the purchase agreement should provide a period of time for you to complete appropriate property inspections and investigations before you are bound to complete the purchase.
Your agent can advise you 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. Even if you’ve done it before, laws and regulations change. REALTORS®, on the other hand, handle real estate transactions constantly. Having an expert on your side is critical. BUYING AND SELLING IS EMOTIONAL A home often symbolizes family and security — it’s not just four walls and a roof. Because of this, home buying and selling can be an emotional undertaking. Having a concerned but objective third party helps you stay focused on both the emotional and financial issues important to you. ETHICAL TREATMENT Every REALTOR® makes a commitment to adhere to a strict Code of Ethics, which is based on professionalism and protection of the public. As a client, you can expect honest and ethical treatment in all transaction-related matters.
1,110+ agents
2,974 *
Units sold in 2025
$2.70 BILLION
closed sales volume in 2025
YOUR LOCAL experts Coldwell Banker West was built on the principles of honesty, integrity and always putting clients first. We started in 2007 with one small office in Bonita. We now have over 1,110 agents and 12 offices across San Diego County, and we’re the fastest-growing franchise within the Coldwell Banker brand nationwide. We are continually growing and expanding, and our reach is limitless. Our full range of real estate services includes residential, commercial, mortgage, escrow and relocation. We are here to help you with all of your real estate needs. *RealTrends Verified Performance - Based On 2025 Sales Data.
ACCOLADES Our incredible production in 2025 earned us the following recognitions:
TOP
Ranked among the top 4 real estate brokerages in San Diego County for units and sales volume*
TOP %
Coldwell Banker Chairman’s Circle award, representing the top 8% of affiliates nationwide
1
The #1 Coldwell Banker affiliate company in California
#
6
The #6 Coldwell Banker affiliate company nationwide for GCI
TOP
Ranked among RealTrends 500 top brokerages nationwide for transaction sides and sales volume
4
8
#
500
*Source: TrendGraphix. Data as of April 2026 and includes reported activity from all residential real estate brokerages in San Diego County for 01/01/25-12/31/25.
GLOBAL
influence Through my affiliation with the Coldwell Banker® brand, I have access to a national and global network of well-connected real estate agents, allowing me to capture more leads and sell your home faster.
93,000+ Ag e n ts
50+
Countries2
1
Albania
Curaçao
Jamaica
Sint Maarten
Andorra
Cyprus
Luxembourg
Spain
Argentina
Dominican Republic
Malta
Switzerland
Aruba
Egypt
Mexico
Tanzania
Bahamas
England
Monaco
Turkey
Belgium
France
Northern Cyprus
United Arab Emirates
Bermuda
Germany
Paraguay
United States
British Virgin Islands
Greece
Poland
Uruguay
Cambodia
Grenada
Portugal
Uzbekistan
Canada
India
Puerto Rico
Cayman Islands
Indonesia
Saint Barthélemy
U.S. Virgin Islands (St. Croix & St. Thomas)
Chile
Ireland
Saint Martin
Costa Rica
Italy
Saudi Arabia
1. As of 12/31/2025. 2. As of 4/21/2026.
Zanzibar
WE MAKE
Relocating Easy Coldwell Banker West is a premier member of the Anywhere Leads Network, connecting clients with top real estate brokers across the nation. Whether you’re buying or selling a home locally or in another state, we are your one-stop resource for all your real estate needs. ABOUT OUR BROKER NETWORK: The Anywhere Leads Network is a high-performance nationwide network of over 500 brokers, recognized for exceptional customer service. With market-leading expertise and ongoing education, Anywhere Leads Network agents help clients achieve their real estate goals. SERVICES WE PROVIDE:
•
Selling your home? We assist clients relocating to San Diego who may be interested in your property.
•
Leaving San Diego or Selling Outside the Area? If you’re moving, purchasing a second home, or selling a home outside of San Diego, we’ll connect you with a top network agent who will provide market insights and guide you through the process in your new location.
We have the resources to connect you with a trusted network broker. Let your Coldwell Banker West agent know how our Director of Relocation and Referrals can assist you!
360°
PROPERTY MARKETING Our comprehensive, full-circle approach applies the ideal combination of marketing elements and strategies – to promote your property effectively and to the right audience.
AGENT PROMOTION ADVERTISING OPEN HOUSE YARD SIGN PRINT ADVERTISING ONLINE & SOCIAL EMAIL MARKETING VIDEO
M U LT I - F A C E T E D
PROPERTY MARKETING Our goal is to reach the largest pool of potential buyers for your property, thereby maximizing your selling price. To accomplish this, we utilize a multi-faceted marketing approach that maximizes exposure for your home.
Before
Professional photography and Matterport
After
Live and virtual staging
Just Listed postcards, flyers, and social media posts
SUNDAY
METRO • SDUNIONTRIBUNE.COM/REALESTATE
JUNE 6, 2021
Open Sun. 12-3 p.m.
Adrienne Dente, Molly Haines McKay
Del Cerro Retreat - Berkshire Hathaway HomeServices California Properties
Exceeding All Expectations -
Ria Scoma & Trudy Kranz Whitney Pacific Sotheby’s International Realty
Rare Coronado Village Opportunity - Elaina Nieman / Redfin Corp.
Cliff May Hacienda - Janna Hernholm / Pacific Sotheby’s International Realty See Pages 2 and 3 for more information on these properties
Digital property storybook
Print advertising
M U LT I - F A C E T E D
PROPERTY MARKETING HOMESIMPLICITY APRIL 2026
home of the month headline address
Article 1 global luxury
article 2 standard
Around The World: country/area
Seller update reports showing online activity
Single-property website
Home Simplicity eMagazine
“Exclusive Look” platform for showcasing your property to CB agents in the local area and across the country
COLDWELLBANKER.COM Online exposure through hundreds of real estate websites
PROFESSIONAL
Photography AND Matterport If a picture is worth a thousand words, then beautiful high-quality photography could be worth thousands of dollars when selling your home. I’ll make your property look its very best, thanks to professional photography that encourages buyers who are browsing online to slow down and take notice.
E X PA N D E D
audience My comprehensive online marketing strategy includes detailing your property’s critical selling points and posting multiple photos on the most visited real estate websites in the world. The result? Your home gets showcased on dozens of high-traffic sites–putting it in front of potential buyers everywhere. COLDWELLBANKER.COM
REALTOR.COM ®
HOMEFINDER.COM
TRULIA.COM
HOMES.COM ®
ZILLOW.COM
HOTPADS.COM
SINGLE-PROPERT Y
website
Show buyers your home is worth the investment with a single-property website. Unlike listing sites where your home is forced to compete for attention with similar properties, ads, and other distractions, a singleproperty website keeps the focus on your home. I will promote this unique site to potential buyers throughout the property marketing campaign and on social media.
SOCIAL
media
Today’s buyers are active on social media, which is why I’ll heavily promote your property on social to generate buzz and attract the attention of potential buyers. The Coldwell Banker® media channels reached millions of consumers in 2025:
373+ M
media impressions
731+ K
102+ M
E n gag em e n ts *
video views
1.76+ M
1.3+ M
l i n k c l i c ks
followers
*2025 Sprout Social, Listing Concierge for the U.S. Coldwell Banker System and Media Agency Reporting.
marketing My property announcements will reach a targeted segment of my exclusive email list and are an easy yet effective way to connect with buyers, agents and their networks. These emails feature a beautiful photo of your property as well as detailed information and a link so they can quickly access all the details.
PROPERT Y
brochures I’ll showcase your home’s unique selling points with a professionally printed property brochure filled with high-quality photography and powerful content. These brochures leave a lasting impression and will remind buyers of all that your home offers each time they see it.
DIGITAL
storybooks Digital storybooks are an impressive way to showcase your home’s unique selling points. Filled with photography and capable of including embedded video and Matterport, a digital storybook gives potential buyers a complete feel for the property.
POSTCARDS
& flyers
When paired with digital marketing, specialty marketing – like direct mailers – serves to set your listing apart and remains an effective add-on for connecting with buyers in your area. It’s also a resourceful way to tap into your neighbors’ networks, creating an opportunity for them to notify their family and friends who are looking for a home.
PRINT AND DIGITAL
Publications
To complement the online exposure your property will receive, we leverage relationships with print media partners to bring your home to the attention of buyers in the San Diego market and beyond. We also create our own monthly eMagazine called Home Simplicity which features all of our listing inventory. This digital publication is sent by our sales associates to their clients and spheres of influence to further expand the exposure of your property to potential buyers.
B R A N D C O N S I D E R AT I O N M O R E T H A N D O U B L E D 1 , F O R V I E W E R S W H O S AW O U R F O O T B A L L S E A S O N MOVE METER® ADS – DRIVING MORE TRAFFIC TO C O L D W E L L B A N K E R.C O M A N D Y O U R P R O P E RT Y L I S T I N G.
# 1 R AT E D R E A L E S TAT E
advertising
2
We are proud to deliver top-rated national network advertising that connects with viewers and has been rated #1 for 14 years running2 – leading the real estate industry. Through the Coldwell Banker® brand, I leverage one of the strongest and most recognized names in real estate to make the right impression and attract buyer interest to your property.
1. September 2024 Ace Metrix Consumer Survey. 2. Ace Metrix Scores 2012-2025, Real Estate Category.
N E A R LY H A L F AT T E N D OPEN HOUSES* What better way to experience your home than in person? Many buyers agree there are distinct advantages to attending open houses to find their new home. That is why we publish the Open Houses eMagazine, a weekly guide to all Coldwell Banker West open houses, available every Friday.
*48% of buyers attended an open house during their home search according to the National Association of REALTORS® 2025 Profile of Home Buyers and Sellers.
MAXIMIZE EXPOSURE:
OPEN HOUSE OPTIONS FOR EVERY BUYER I’ll leverage my wide network of buyers and agents to spread the word about the virtual or in-person open house, driving strong attendance and giving interested buyers the chance to experience the home up close. TRADITIONAL OPEN HOUSE With proper safety measures and precautions in place, open house events are a fantastic way for buyers to connect with the space and the neighborhood. VIRTUAL OPEN HOUSE Buyers shop for homes online, and with a virtual open house I can access your target audience quickly, wherever they are. PRIVATE SHOWINGS With your permission, serious buyers and their agents can schedule an appointment with me so they can explore your home without the distraction of other buyers. BROKER OPEN HOUSE One of the most powerful ways to debut your home is by hosting a broker’s open house, where I invite my network of real estate industry contacts to tour your property. The sooner other brokers and agents know about your home, the sooner they can match it to their current buyers. It’s word-of-mouth marketing at its best.
MONITORING
ONLINE VISIBILITY Tracking the exposure of your property online is essential to understanding how it is being received by potential buyers. Our powerful data reports include the number of listing views and the geographical distribution of viewers, including city, state and country of origin. This insight can also be used to direct other marketing efforts to reach the ideal audience for your property.
FULL SERVICE
FROM START TO FINISH The Coldwell Banker® brand is there for you in all aspects of the home sale process. Our primary services ensure you’ll receive complete assistance from start to finish – giving you one-stop-shop convenience. WARRANTY SERVICES A home warranty provides that extra measure of security that makes buyers feel more comfortable and confident in the purchase of your home. MORTGAGE SERVICES If you’re also interested in finding your new dream home, I can support you with your home search and connect you with a mortgage broker that offers incredibly competitive rates, fantastic customer service and a fast, simple process. TITLE SERVICE I can recommend a title provider that will research and resolve title issues before the closing to help ensure your transaction closes smoothly and on time. INSURANCE SERVICES I have connections with a variety of insurance companies that offer competitive rates on homeowners, condominium, renters, automobile, second home, vacant home and umbrella coverage.
PRICING
Stretegy With my comparative market analysis (CMA) – which includes intelligence on homes like yours that are off, on and pending in the market – I’ll develop a competitive pricing strategy that signals your home’s value and generates buyer excitement.
PRICING
right
Today’s home buyers are more knowledgeable than ever, with many doing their own comparison research. Intelligent pricing is one of the most critical aspects of a successful sale – no matter how perfect your home is, you’ll miss out on potential buyers if its price doesn’t align with similar properties selling in your market. By considering market factors and local competition, I’ll thoroughly assess your home and suggest an optimal price from the start, so it generates the most activity from real estate agents and buyers.
I f t h e as k i n g price is:
T h e P r o p e rt y Appeals to:
CURRENT MARKET VALUE
95% OF BUYERS
5% OVER MARKET VALUE
50% OF BUYERS
10% OVER MARKET VALUE
30% OF BUYERS
15% OVER MARKET VALUE
20% OF BUYERS
A B E T T E R W AY T O PAY
for home prep
CB West Preferred provides you with an unsecured line of credit to prepare your home and get the most out of it. From staging to repairs and upgrades, CB West Preferred can help sell your home faster and for a higher price*, with nothing due until closing.** By considering market factors and local competition, I’ll thoroughly assess your home and suggest an optimal price from the start, so it generates the most activity from real estate agents and buyers. DESIGNED TO TAKE THE STRESS OUT OF SELLING A HOME. Fast | See if you qualify in 90 seconds
•
Unsecured personal line of credit up to $50,000
•
No impact to credit score when applying
•
Access funds same day as approval
•
Low interest that only accrues on what is used
•
Funds for prep, updates, repairs, moving, and more
Flexible | Use any home improvement vendor Simple | Repay your loan when the home sells**
Learn more at
cbwpreferred.notablefi.com
*Results may vary. Coldwell Banker West and Notable Finance, LLC do not guarantee or warranty any results. Subject to the terms and conditions of your loan agreement with Notable Finance, LLC. Coldwell Banker West is not providing loans as part of CB West Preferred. CB West Preferred loans are provided by Notable Finance, LLC, NMLS# 1824748 and are made or arranged pursuant to a California Finance Lenders Law license. Loan eligibility is not guaranteed and all loans are subject to credit approval and underwriting by Notable. Rules and exclusions apply. Subject to terms and conditions (notablefi.com/terms). **Interest applies. Loan funds and interest are due upon loan acceleration, twelve months after origination, termination of your listing agreement, or the date on which Notable otherwise suspends your loan for any reasons stated in your loan agreement, whichever occurs sooner. Subject to the terms and conditions of your loan agreement with Notable Finance, LLC.
Fresh paint
Landscaping
Staged furniture
New flooring
BREAKDOWN OF BUYER’S AGENT
compensation options
Whether to offer compensation to a buyer’s agent, and the amount of compensation you may decide to offer, is purely your choice. There is no legal or other obligation to offer such compensation. HOW A BUYER’S AGENT IS PAID IF YOU OFFER COMPENSATION
1. 2.
You have offered to pay the commission due to the buyer’s agent. In this case, the commission obligation will be paid by you out of the funds paid to purchase your home. You have offered compensation consisting of only a portion of the commission due to the buyer’s agent. This would require the buyer to pay any portion of the commission not paid by you. Alternatively, the buyer could condition the purchase offer on you paying the full commission obligation.
HOW A BUYER’S AGENT IS PAID IF YOU DO NOT OFFER COMPENSATION
1. 2.
You have not offered to pay any portion of the commission owed to the buyer’s agent. In this case, the buyer can include a requirement that you pay the commission obligation as part of the offer made on your property. You do not agree to pay the buyer’s agent commission, in which case the buyer would be responsible for the commission.
RESPONSIBLE
BUSINESS
Feel good knowing that you’re doing business with a brand that promotes and supports an ethical, equitable future in real estate.
#1
#1
IN TRUSTWORTHINESS*
FOR PROFESSIONALISM*
The Coldwell Banker® brand earns top marks for trustworthiness in consumer perception studies.
Consumers rank the Coldwell Banker brand as a leader in professional service delivery.
You’re in good hands with the Coldwell Banker brand.
*Coldwell Banker/Quester Consumer Research April 2025.
COLDWELL BANKER WEST
foundation
As part of our commitment to San Diego, the Coldwell Banker West Foundation donates to local schools, youth sports, families in need, and food security efforts every time we help a client buy or sell a home.
301+
$393K
100K
grants di st r i but e d
given in d o n at i o n s
f o o d d o n at e d t o fa m i l i e s
Funds are generated by our agents, lenders, and escrow partners—not from client fees—and every distribution is approved by our Foundation Board. When you list with us, you’re helping us serve the community we both call home. For more information visit cbwgives.com.
glossary As we move through your home sale, you may come across some unfamiliar terms. I’m always here to answer questions, but you may find the quick explanations below helpful in the meantime. ADJUSTABLE RATE MORTGAGE (ARM): A mortgage with an interest rate that changes over time in line with movements in a financial index. ARMs can also be referred to as AMLs (adjustable mortgage loans) or VRMs (variable rate mortgages). ADJUSTMENT PERIOD: The length of time between interest rate changes on an ARM. For example, a loan with an adjustment period of one year is called a one-year ARM, meaning that the interest rate can change once a year. AMORTIZATION: Repayment of a loan in installments of principal and interest, rather than interest-only payments. APPRAISAL: An estimate of the property’s value. ASSESSED VALUE: The value placed on a property for purposes of taxation. ASSUMPTION OF MORTGAGE: A buyer’s agreement to assume the liability under an existing note that is secured by a mortgage or deed of trust. The lender must approve the buyer in order to release the original borrower (typically the seller) from liability. BALLOON PAYMENT: A lump sum principal payment due at the end of some mortgages or other long-term loans. BUY-DOWN: A permanent buy-down is prepaid interest that brings the note rate on the loan down to a lower permanent rate. A temporary buy-down is prepaid interest that lowers the note rate temporarily on the loan, allowing the buyer to more readily qualify and increase payments as income grows.
CAP: The limit on how much an interest rate or monthly payment can change, either at each adjustment or over the life of a mortgage. CASH RESERVES: The amount of the buyer’s liquid cash remaining after making the down payment and paying all closing costs. CC&RS OR COVENANTS, CONDITIONS AND RESTRICTIONS: A recorded document that controls the use, requirements and restrictions of a property. COMMITMENT PERIOD: The period of time during which a loan approval is valid. CONDOMINIUM: A form of real estate ownership in which the owner receives exclusive title to a particular unit and shares ownership in certain common areas with other unit owners. The unit itself is generally a separately owned space whose interior surface (walls, floors and ceiling) serve as its boundaries. CONTINGENCY: A condition that must be satisfied before a contract is binding. For example, a sales agreement or offer may be contingent upon the buyer obtaining financing. CONVERSION CLAUSE: A provision in some ARMs that enables home buyers to change an ARM to a fixed rate mortgage, usually after the first adjustment period. The new fixed rate is generally set at the prevailing interest rate for fixed rate mortgages. This conversion feature may involve an extra charge.
COOPERATIVE: A form of multiple ownership in which a corporation or business trust entity holds title to a property and grants occupancy rights to shareholders by means of proprietary leases or similar arrangements. CRB OR CERTIFIED RESIDENTIAL BROKER: To be certified, a broker must be a member of the National Association of REALTORS®, have five years of experience as a licensed broker and have completed required Residential Division courses. DEBT RATIOS: The comparison of a buyer’s housing costs to his or her gross or net effective income and the comparison of a buyer’s total long-term debt to his or her gross or net effective income. The first ratio is the housing ratio and the second is the total debt ratio. DEED: A document which, when properly executed and delivered, conveys title of real property. DISCLOSURE: To make known or public. By law, a seller of real property must disclose facts which affect the value or desirability of the property. DISCOUNT POINTS: A negotiable fee paid to the lender to secure financing to the buyer. Discount points are interest charges paid up-front to reduce the interest rate on the loan over the life or a portion of the term. DUE-ON-SALE CLAUSE: A clause that requires a full payment of a mortgage or deed of trust when the secured property changes ownership. EARNEST MONEY: The portion of the down payment delivered to the seller or escrow agent by the purchaser with a written offer as evidence of good faith. EASEMENT: A right to use all or part of the land owned by another for a specific purpose. For example, an easement may entitle the holder to install and maintain sewer or utility lines.
ENCUMBRANCE: Anything that affects or limits the ownership of real property, such as mortgages, liens, easements or restrictions of any kind. EQUITY: The difference between what is owed and the amount for which the property could be sold. ESCROW: A procedure in which a third party acts as a stakeholder for both the buyer and the seller, carrying out both parties’ instructions and assuming responsibility for handling all of the paperwork and distribution of funds. An escrow fee, typically paid by the buyer, is charged by the title company to service the transaction and to escrow money and documents. FEDERAL HOME LOAN MORTGAGE CORPORATION (FHLMC): Often referred to as “Freddie Mac,” it purchases loans from savings and loan lenders within the Federal Home Loan Bank Board. FEDERAL NATIONAL MORTGAGE ASSOCIATION (FNMA): Popularly known as “Fannie Mae,” it purchases and sells residential mortgages insured by the FHA or guaranteed by the VA, as well as conventional home mortgages. FEE SIMPLE: An estate in which the owner has unrestricted power to dispose of the property as he or she wishes, including leaving by will or inheritance. FHA LOAN: A loan insured by the Federal Housing Administration (of the Department of Housing and Urban Development). FIXED RATE MORTGAGE: A conventional loan with the same interest rate for the life of the loan. FIXTURES: Personal property that is attached to real property and is legally treated as real property while it is attached – such as light fixtures, window treatments and medicine cabinets.
FORECLOSURE: The legal process in which mortgaged property is sold to pay the loan of the defaulting borrower. FULLY INDEXED RATE: The maximum interest rate on an ARM that can be reached at the first adjustment. GIFT LETTER: A letter from a relative stating that an amount will be gifted to the buyer and that said amount is not to be repaid. GOVERNMENT NATIONAL MORTGAGE ASSOCIATION (GNMA): Known as “Ginnie Mae,” a governmental part of the secondary market that deals mainly with recycling VA and FHA mortgages, particularly those that are highly leveraged. GRADUATED PAYMENT MORTGAGE: A residential mortgage with monthly payments that start at a low level & increase at a predetermined rate. HOME WARRANTY PLAN: Protection against failure of mechanical systems within the property and usually includes plumbing, electrical, heating and cooling systems and installed appliances. INDEX: A measure of interest rate changes used to determine changes in an ARM’s interest rate over the term of the loan. INITIAL INTEREST RATE: The introductory interest rate on a loan, which signals that there may be rate adjustments later in the loan. JOINT TENANCY: An equal, undivided ownership of property by two or more persons. Upon the death of any owner, the survivors take the decedent’s interest in the property. JUMBO LOANS: Mortgage loans that exceed the loan amounts acceptable for sale in the secondary market. Jumbos are packaged and sold differently to investors and have separate underwriting guidelines.
LIEN: A legal hold or claim on a property as security for a debt or charge. LIST-TO-SALE RATIO: The ratio between the price at which a property is listed and the amount for which it is actually sold. LOAN COMMITMENT: A written promise to make a loan for a specified amount on specified terms. LOAN-TO-VALUE RATIO: The relationship between the amount of the mortgage and the appraised value of the property, typically expressed as a percentage of the appraised value. LOCK-IN: The fixing of an interest rate or points at a certain level, usually during the loan application process. It is typically fixed for a specified amount of time, such as 20 to 30 days or some other period of time determined by the lender. MARGIN: The number of percentage points the lender adds to the index rate to calculate the ARM interest rate at each adjustment. MORTGAGE (DEED OF TRUST): A legal document that provides security for repayment of a promissory note. MORTGAGE INSURANCE PREMIUM (MIP): The mortgage insurance required on FHA loans for the life of said loan. The MIP is either paid in cash at the time of closing or financed over the course of the loan. MULTIPLE LISTING SERVICE (MLS): The pooling in a central bureau of all properties for sale. The listings are held individually by members of a group of real estate brokers.
NEGATIVE AMORTIZATION: Occurs when monthly payments fail to cover the cost of the interest on a loan. The interest that is not covered is added to the unpaid principal balance, meaning that even after making several payments the borrower could owe more than at the beginning of the loan. Negative amortization may occur when an ARM has a payment cap that results in monthly payments that are not high enough to cover the interest. ORIGINATION FEE: A fee or charge for work involved in evaluating, preparing and submitting a proposed mortgage loan. The fee is limited to 1% for FHA and VA loans. PITI: The term for a mortgage payment that includes principal (P), interest (I), taxes (T) and insurance (I). PLANNED UNIT DEVELOPMENT (PUD): A zoning designation for property developed at the same or slightly greater overall density than conventional development, often with improvements clustered between open or common areas. Use may be residential, commercial or industrial. POINT: An amount equal to 1% of the principal amount of the investment or note. PRE-APPROVAL: When a borrower has completed a loan application and provided debt, income and savings documentation which an underwriter has reviewed and approved. A preapproval is usually done at a certain loan amount and makes assumptions about what the interest rate will actually be at the time the loan is made, as well as estimates for the amount that will be paid for property taxes, insurance, etc. PREPAYMENT PENALTY OR CLAUSE: A fee charged to a borrower who pays a loan in full before the stated due date. PRIVATE MORTGAGE INSURANCE (PMI): Insurance written by private companies to protect
the lender against loss if the borrower defaults on the mortgage. PMI is often required on mortgage loans in which less than 20% has been put forth for the down payment. Depending on the conditions of the mortgage, the borrower may request cancellation of PMI when equity in the property reaches 20%. PURCHASE AGREEMENT: A written document in which the purchaser agrees to buy certain real estate and the seller agrees to sell under stated terms and conditions. Also called a sales contract, earnest money contract or agreement for sale. RATE GAP: The difference between the current rate and the rate to which it could adjust on an ARM. REALTOR®: A real estate broker or sales associate active in a local real estate board affiliated with the National Association of REALTORS®. RECORDING FEE: Charged by the County Clerk to record documents in the public records. REFINANCE: A new loan with new terms, interest rates and monthly payments that completely replaces your current mortgage. REGULATION Z: The set of rules governing consumer lending issued by the Federal Reserve Board of Governors in accordance with the Consumer Protection Act. SHORT SALE: The sale of a home for less than the balance remaining on the homeowner’s mortgage. TENANCY IN COMMON: A type of joint ownership of property by two or more persons with no right of survivorship. TITLE: The rights of ownership recognized and protected by law. It is a combination of all elements that constitute the highest legal right to own, possess, use, control, enjoy, transfer and dispose of real estate.
Your home and your home sale needs are one of a kind. Using the unmatched resources of the Coldwell Banker® brand, I will develop a custom plan to: • Provide you with proven, powerful and personal service • Enable you to obtain the best possible sales price and terms for your home • Close the sale in a smooth, timely manner I am committed to your complete satisfaction, and will represent your interests with the utmost care, honesty, integrity and discretion. Let’s get started!
REALTOR®, DRE #01384539
619.723.7010 Vicki@VickiDutchJones.com www.VickiDutchJones.com
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