Barbara A Paul

Barbara Ann Paul, Bonita CA Real estate agent

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Specialties:

Buyer's Agent
Listing Agent

Work:

McMillin Realty
4210 Bonita Rd. Ste B, Bonita, CA 91902
6198504174 (Office)

Description:

www.BarbaraAnnPaul.com For Your Real Estate Needs Cell: 619-850-4174 E-Mail: [email protected] __________________________________________________________ __________________________________________________________ Welcome to McMillin Realty My number one goal is your satisfaction. At McMillin, our professional services range from finding your ideal real estate agent, to assisting you with financing. Our experienced loan officers will help you find the perfect loan package, and McMillin Escrow will guarantee your closing! I’m pleased and excited to be working for you, whether you are buying or selling a home or investment property.When buying, no matter what part of the county you choose to live, I am confident I will help you find the ideal home.When you decide to sell, I will work harder than any other agent to get your home sold quickly with a custom 65 day marketing plan! Call Sunday-Saturday 9am-6pm PST - (619) 850-4174 __________________________________________________________ __________________________________________________________ TOP 10 TIPS FOR BUYING A HOME 1. Want to avoid surprises? Before signing on the dotted line, visit your prospective home at different times of the day to see if the property and neighborhood continue to match your first impression. As part of your due diligence, make at least three trips—morning, noon, and night—to assess commute times, lighting, the general atmosphere of the community, or other characteristics that are important to you. 2. While adjustable-rate and interest-only mortgages may save you money initially, select these mortgage products only if you can comfortably make your mortgage payments should interest rates increase after the initial fixed or interest-only mortgage period expires. From ARMs to balloons, understanding common mortgage lingo will help you have a knowledgeable conversation with your lender about the mortgage options available to you. 3. No house is perfect. That's why under the California Residential Purchase Agreement, there is a fixed time period designated for you to carefully examine the property and assess any areas of concern about your future home without the fear of losing your deposit money. Most home buyers hire a professional inspector to conduct a visual, noninvasive examination of the home, including the home's structure, construction and mechanical systems, and appliances, which may be transferred with the property. 4. Before you start looking for your piece of California, determine how much you can afford by calculating 33 percent of your monthly gross income. This is the maximum amount most lenders suggest homeowners devote to "PITI"—principal, interest, taxes, and insurance—better known as the four components of your monthly mortgage payment. 5. Carefully prepare for the "upfront fees" you will be expected to pay once you enter into a transaction. Among these fees are your escrow deposit and inspection fees. Generally, your escrow deposit should be substantial enough to demonstrate your "good faith" to the sellers—usually 1 to 5 percent of the sales price—and will be credited toward your down payment if the sale moves forward. In California, standard inspection fees range from $300 to $400. 6. Want to avoid surprises? Before signing on the dotted line, visit your prospective home at different times of the day to see if the property and neighborhood continue to match your first impression. As part of your due diligence, make at least three trips—morning, noon, and night—to assess commute times, lighting, the general atmosphere of the community, or other characteristics that are important to you. 7. While adjustable-rate and interest-only mortgages may save you money initially, select these mortgage products only if you can comfortably make your mortgage payments should interest rates increase after the initial fixed or interest-only mortgage period expires. From ARMs to balloons, understanding common mortgage lingo will help you have a knowledgeable conversation with your lender about the mortgage options available to you. 8. No house is perfect. That's why under the California Residential Purchase Agreement, there is a fixed time period designated for you to carefully examine the property and assess any areas of concern about your future home without the fear of losing your deposit money. Most home buyers hire a professional inspector to conduct a visual, noninvasive examination of the home, including the home's structure, construction and mechanical systems, and appliances, which may be transferred with the property. 9. Before you start looking for your piece of California, determine how much you can afford by calculating 33 percent of your monthly gross income. This is the maximum amount most lenders suggest homeowners devote to "PITI"—principal, interest, taxes, and insurance—better known as the four components of your monthly mortgage payment.10. Carefully prepare for the "upfront fees" you will be expected to pay once you enter into a transaction. Among these fees are your escrow deposit and inspection fees. Generally, your escrow deposit should be substantial enough to demonstrate your "good faith" to the sellers—usually 1 to 5 percent of the sales price—and will be credited toward your down payment if the sale moves forward. In California, standard inspection fees range from $300 to $400. --California Association of Realtorswww.Barbar

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Barbara J Paul

Barbara Paul

Barbara Paul

Herbalife Independent Distributor

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Position:

Distributor at HERBALIFE an Independent Distributor

Location:

Winder, Georgia

Industry:

Health, Wellness and Fitness

Work:

HERBALIFE an Independent Distributor since May 2012
Distributor
Keller Williams Greater Athens Nov 2010 - Mar 2011
Agent
Send Out Cards 2008 - 2010
Owner
Knight Realty of Georgia 2008 - 2010
Agent
Make-A-Wish 2007 - 2010
Volunteer

Education:

North Georgia College and State University 2001 - 2003
Specialist, Educational Curriculum and Administration Georgia Southern University 1980 - 1982
Teaching Certification, Middle Grades Education

Interests:

new home products and technology, home decorating, sports, travel, reading

Executive Assistant

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Location:

Denver, Colorado

Industry:

Real Estate

Work:

RE/MAX WORLD HEADQUARTERS - Denver, Colorado Oct 2001 - Mar 2011
EXECUTIVE ASSISTANT
RE/MAX - Denver, Colorado Oct 2001 - Mar 2011
RETIRED

Education:

Interests:

Travel, golf, ski, reading, decorating, hiking.

Barbara Paul

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Location:

United States

Barbara Paul

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Location:

United States

Barbara Paul

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Location:

United States

Screenplay Writer - Self -Employed

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Position:

Screenplay Writer at Independent

Location:

Greater Chicago Area

Industry:

Writing and Editing

Work:

Barbara Paul

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Location:

United States

Barbara Paul

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Location:

United States

Barbara Paul - Lawyer

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Office:

DiTomaso Law

Specialties:

Administrative Law
Worker's Compensation
Personal Injury Litigation

ISLN:

913705269

Admitted:

1986

University:

Temple University, B.S., 1987

Law School:

Temple University Law School, J.D., 1990