Vallejo Community

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The geography of the area has also played an important role in Vallejo's development and future. Located at the northern tip of San Pablo Bay, Vallejo's waterfront location has made it an important harbor not only for the military but also for commercial shipping, industry, oil companies and ferry transportation.

Vallejo, California is the first permanent home of California's state government and is the 142-year home of the first and most famous naval shipbuilding and repair facility on the west coast.

Prior to the 1830s, the countryside where the City of Vallejo now stands was inhabited by the Suisun and Karkin Indians. In 1835, a Mexican military officer, Mariano Guadalupe Vallejo, was sent to the northern California frontier where he established several land grants. One of these grants, the Rancho Suscol, included the area where the cities of Vallejo and Benicia are now located. Chief Solano, a leader of the Suisun Indians, allied himself with General Vallejo, an alliance which allowed the region to remain primarily inhabited by Native Americans until the 1840s.

"A city whose rich history is intertwined deeply to both the state in which it was born and to the country it served through two world wars."

After the legislature left Vallejo for good, the city became something of a ghost town for a brief period of time. But the United States Navy came to the rescue in 1853 with their purchase of Mare Island for the creation of the first naval installation on the west coast of the United States. Suddenly Vallejo's future once again became brighter.

The author of an 1863 book entitled The Resources of California described the budding city: "Vallejo has a magnificent site for a town. The present village is built on the slope of hills about a hundred or a hundred and fifty feet high, which rise from the harbor so gently, that a heavily laden wagon can be drawn over without an extra team. About a half a mile back from the landing lays a beautiful and very fertile plain several miles wide and extending from the lower part of the harbor. I have never seen a city provided with such a magnificent place for country residences as this."

Although the town is named after General Vallejo, the man regarded as the true founder of Vallejo is John B. Frisbie. After his daughter Epifania married Frisbie, General Vallejo granted him power of attorney for the land grant. It was Frisbie who hired E.H. Rowe, the man who designed the city layout and who named the east-west streets after states and the north-south streets after California counties.

Frisbie encouraged settlers to stay in the area and sold them lots to build houses and businesses upon. He helped establish the city's government, supported the thriving wheat-shipping business, presided over banks and founded the White Sulphur (Blue Rock) Springs Resort. It was also due in part to Frisbie's diligent lobbying in Washington D.C., that Vallejo was officially incorporated as a city in 1867.

We see home as more than a house, so we approach real estate as more than a transaction. It's how we build relationships - by making people feel happy and confident about the biggest investment of their lives. This is more than our profession; it's our passion because our family never forgets how much home truly means to you and your family. So when you're ready for your next moment or your next adventure, call The Denson Group. We'll help you get there.

OUR BUYING PROCESS

✓ DECIDING TO BUY

Purchasing a property is most likely the biggest financial decision you will ever make. Whether this is your first purchase or you are an experienced buyer, this decision must be made carefully.

Why Do You Want To Buy?

Are you tired of paying rent? Have you decided to pay your own mortgage and not your landlord's? Have you outgrown your current home? Are you looking for an investment portfolio? Are you looking for a rental property? Would you like a larger yard? Would you rather live in a different area? Do you want to shorten your commute? Having a clear sense of your reasons for buying will help you choose the right property.

Has Your Income Grown?

Property ownership is an excellent investment; whether you are looking for your dream home, a rental property, or to expand your investment portfolio. Owning real estate is one of the least risky ways to build equity or to obtain a greater return on your initial investment.

✓ PREPARING TO BUY

Before you start shopping for your property, it is a good idea to make some preparations.

Build Your Green File

A green file contains all your important financial documents. You will need it to secure financing for your property. The typical green file should contain:

✓ Financial statements

✓ Bank accounts

✓ Investments

✓ Credit cards

✓ Auto loans

✓ Recent pay stubs

✓ Tax returns for two years

✓ Copies of leases for investment properties

✓ 401K statements, life insurance, stocks, bonds, and mutual account information.

Check Your Credit Rating

Your credit score will have a huge impact on what type of property you can buy, and at what price. It is recommended to first check your credit rating with an experienced lending institution so that we can determine what you can afford. The lender will research your credit ratings from the three credit reporting agencies: Equifax, Experian and TransUnion. We will be happy to recommend experienced, knowledgeable lenders in the residential, construction, commercial and investment real estate fields.

Be Careful With Your Finances

Now is not a good time to make sudden career changes or large purchases. You want to approach your property purchase from a position of financial stability.

✓ CHOOSE A REAL ESTATE AGENT

Buying a property requires many important financial decisions, understanding complex issues and completing a lot of paperwork. It helps to have an expert in your corner when undertaking such a large purchase. We can guide you through this process, and also provide you with access to property listings before they hit the general market.

Here are some factors to consider when choosing your real estate professional:

- Look for a full-time agent - one who has experience completing transactions similar to yours.

- Interview a few agents: Are they familiar with the area in which you are interested?

- Ask how much time the agent will have for you, and if they are available at night and on weekends.

- Ask about their credentials and education: A good agent will continually strive to improve and gain knowledge of the latest real estate trends and hold the highest designations in their respective fields of expertise.

- Does the agent return your calls promptly? Time is money when attempting to buy a property.

- Ask for a list of properties they have sold or a list of references.

- Choose an agent who listens attentively to your needs and concerns. Pick an agent, with whom you feel comfortable.

✓ TIME TO GO SHOPPING

Once those preparations are out of the way, it is time to find the right property for you.

Take a Drive

Get to know the neighborhoods, complexes, or subdivisions that interest you. Drive around and get a feel for what it would be like to own a property in the area. Start getting a sense of the properties available in those areas.

Narrow Your Search

Select a few properties that interest you the most and have your real estate agent make appointments to visit them. Ask your real estate agent about the potential long term resale value of the properties you are considering.

Time to Buy

Once you have picked out the property you want to purchase, your real estate agent can help you make an offer that the seller will accept. A good agent will investigate the potential costs and expenses associated with the new property. An agent can also help you draft your offer in a way that gives you the advantage over another offer.

✓ ESCROW INSPECTIONS & APPRAISALS

The Process, Step-by-Step

The Initial Agreement and Deposit

An effective agreement is a legal arrangement between a potential purchaser and the property's seller.

Some important tips to keep in mind to streamline the process:

- Keep written records of everything. For the sake of clarity, it will be extremely useful to transcribe all verbal agreements including counter-offers and addendums and to convert them into written agreements to be signed by both parties. We will assist you in drafting all the paperwork for your purchase and make sure that you have copies of everything.

- Stick to the schedule. Now that you have chosen your offer, you and the seller will be given a timeline to mark every stage in the process of closing the real estate contract. Meeting the requirements on time ensures a smoother flow of negotiations so that each party involved is not in breach of their agreements. During the process we will keep you constantly updated, so you will always be prepared for the next step.

The Closing Agent

Either a title company or an attorney will be selected as a closing agent. The closing agent will hold the deposit in escrow and will research the complete recorded history of the property to ensure that the title is free and clear of encumbrances by the date of closing and that all new encumbrances are properly added to the title. Some properties are subject to restrictions which limit various activities such as building or parking restrictions. There may be recorded easements and encroachments, which limit the rights to use your property.

How to Hold Title

You may wish to consult an attorney or tax advisor on the best way to hold title. Different methods of holding title have different legal, estate and tax implications, especially when selling or upon death of the title holder.

Inspections

Once your offer is accepted by the seller, you will need to have a licensed property inspector inspect the property within the time frame that was agreed upon in the effective contract to purchase. You may elect to have different inspectors inspect the property, if you wish to obtain professional opinions from inspectors who specialize in a specific area (eg. roof, HVAC, structure). If you are purchasing a commercial property, then you will need to have an environmental audit done on the site for the lending institution. We can recommend several different inspectors.

Depending on the outcome of these inspections, one of two things may happen:

1. Either each milestone is successfully closed and the contingencies will be removed, bringing you one step closer to the close, or

2. The buyer, after reviewing the property and the papers, requests a renegotiation of the terms of contract (usually the price).

Appraisal and Lending

It is imperative that you keep in close communication with your lender, who will let you know when additional documents are needed to approve your loan application and fund your loan. If the agreement is conditional upon financing, then the property will be appraised by a licensed appraiser to determine the value for the lending institution, via a third party. This is done so that the lending institution can confirm their investment in your property is accurate. Appraisers are specialists in determining the value of properties, based on a combination of square footage measurements, building costs, recent sales of comparable properties, operating income, etc. When you are within two weeks of closing, double check with your lender to be sure the loan will go through smoothly and on time.

Association Approval

If the property that you are purchasing is conditional upon an association approval, request the rules, regulations, and other important documents from the seller as soon as you have an effective agreement to purchase. Make sure that the application documents and processing fees are submitted to the appropriate person at the association by the required time. Fill out all of the information completely and legibly so there is no delay in processing the application. If you are required to meet with the association for your approval, make an appointment as soon as possible for the interview. Most associations require a certificate of approval before move-in. Your closing agent will request that the original copy of this approval letter be brought to the closing, so that it can be recorded with the deed in the county public records.

Property Insurance

If you are obtaining a loan, you will be required by your lender to purchase a certain amount of insurance on the property. The value will depend on the lending institution and the purchase price of the property. You may be able to save hundreds of dollars a year on homeowners insurance by shopping around for insurance. You can also save money with these tips.

- Consider a higher deductible. Increasing your deductible by just a few hundred dollars can make a big difference in your premium.

- Ask your insurance agent about discounts. You may be able get a lower premium if your home has safety features such as dead-bolt locks, smoke detectors, an alarm system, storm shutters or fire-retardant roofing materials. Persons over 55 years of age or long-term customers may also be offered discounts.

- Insure your house NOT the land under it. After a disaster, the land is still there. If you do not subtract the value of the land when deciding how much homeowner's insurance to buy, you will pay more than you should.

We will be happy to recommend experienced knowledgeable insurance agents for every property type.

✓ MOVING IN

Closing Day

If you have come this far, then this means that it is almost time for a congratulations, but not yet. Do not forget to tie up these loose ends:

Final Walk-Through Inspection

More of a formality than anything else, the final inspection takes place a day before, or the day of the closing. You will visit the property to verify that all is in working order, everything is the same as when you last viewed the property, that there are no extra items left behind, and that everything included in your purchase is still at the property.

Home Services and Utilities

We will provide a list of useful numbers for the activation of home services and utilities after the closing occurs.

Be Prepared

We are ready to assist you should an unforeseen glitch pop up, even at this last stage. Something at the property breaks down, or some other minor detail - no need to worry. We have encountered these problems before so we know how to handle them efficiently and in a stress-free manner.

Closing

The closing agent will furnish all parties involved with a settlement statement, which summarizes and details the financial transactions enacted in the process. You and the seller(s) will sign this statement, as well as the closing agent, certifying its accuracy. If you are obtaining financing, you will have to sign all pertinent documentation required by the lending institution. If you are unable to attend the scheduled closing, arrangements can be made depending on the circumstances and the notice that we receive. If you are bringing funds to the transaction, you can elect to either have the funds wired electronically into the closing agent's escrow account, or bring a certified bank check to the closing in the amount specified on the settlement statement. The seller should arrange to have all property keys and any other important information for you at the closing so that you may receive these items at this time.

Wherever you're going... We'll get you there!

Discover Our Local Communities

We live in one America’s Farm-to-Fork destinations. The cities are buzzing with things to taste, see, and savor. We invite you to pick your pleasure, whether it’s our farm-fresh restaurants, plentiful farmers markets, home-grown breweries, colorful street murals, Suisun Valley Wine Country, or a sunset walk along the waterfront.

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WHO YOU WORK WITH MATTERS

WORK WITH KRYSTEN

A little about me to make it easier: Antique collector and restorer, mom to one super awesome daughter, wife to one super awesome husband, licensed since 2021, long family history in Fairfield, substitute teacher, worked as a manager for both Starbucks and Peet's (not at the same time of course), coffee expert and enthusiast.

If you live here already, you know how blessed we are. If you’re considering living or investing here, you’ve probably experienced some of the area’s extraordinary possibilities: City living with country settings and small-town communities; enthralling agricultural beauty, and true farm to fork lifestyle, If Northern California is your real estate destination, you’ve arrived at the right spot. Whether you’re looking to buy your first home – or to sell an estate – expect nothing less from us than a Meritage blend of real estate expertise, professional service, creativity, and a passion for achieving your goals.

WHY NAVIGATE REAL ESTATE

OUR
PHILOSOPHY

Better companies make better communities.
We believe our business has a responsibility to serve, connect, grow and protect the communities we operate in.

OUR VALUES

Independence is worth preserving.
Our independence matters more than our size. It allows us to prioritize our community involvement and better serve our agents and clients.

Social impact at the center.
Everything we do has a cause and effect. We maintain a responsibility to contribute to every community in which we operate.

Communities over shareholders.
If our business has to grow at the expense of the communities around us, it isn't worth it. It is important to us to continually invest in building community.

Growth for the sake of bigger impact.
We grow our business to become a stronger, independent network of individuals who benefit as a result of more resources.

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TESTIMONIALS

WHAT MY HAPPY CLIENTS SAY...

"Our entire experience from start to finish was just excellent, I just can't say enough positive things. Krysten is extremely knowledgeable about the area and an expert in the entire process. She is honest and friendly and talked me in off the ledge more than once during the process 🙂 ! The inspection came up with all kinds of surprises and I don't know what I would have done without her. She expertly negotiated additional $$$ off the price and closed the deal. Highly recommend. If you're buying a house in the area go with Janet, you won't regret it."

-Janet Stubbs

"Very friendly and knowledgeable of the ins and outs of the area and the builders. Was with us from start to finish and made it an enjoyable experience. Buying a home is stressful and time consuming but she made it worry free and simplified. I have honestly been singing her praises and referring at any given opportunity. Krysten listened to our requests of what we wanted in a home and helped us find our dream home. I couldn't have asked for anything more."

-Lilly and Tom Meyers

"Janet was very informative from the very beginning to the closing. She was aware of the market and extremely knowledgeable about the area and its clientele. She kept me posted on what was to be expected and if something needed to be done she was able to help . I appreciated all that she did for me and would recommend her to anyone who wanted to buy or sell a property. Her enthusiasm and friendly manner was displayed with all that she did and she always able to communicate with me."

-Bob Sanders

For 7/26/2024

30 Year Fixed	6.75%
15 Year Fixed	6.25%
5/6 ARM	7.5%

For general informational purposes only. Actual rates available to you will depend on many factors including lender, income, credit, location, and property value. Contact a mortgage broker to find out what programs are available to you.

Mortgage calculator estimates are provided by NavigateRE and are intended for information use only. Your payments may be higher or lower and all loans are subject to credit approval.