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Sophia Delacotte (#01873662)
Sophia Delacotte
Realtor in San Jose
 

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7 Things you Should Never Do Before Buying a House 

 




Here are some of the most common mistakes first-time home buyers make, why they matter, and how to avoid them.

1. Don’t finance a car or another big item before buying

One of the biggest mistake buyers can make is to finance a car just before applying for a mortgage loan. Equally troublesome is when buyers wish to go out and purchase new furniture and appliances on credit before their new mortgage closes.

All of these activities are a big no-no, as lenders will do a final credit inquiry check before closing and if new debts were added since you applied for a loan, it could jeopardize the loan approval.

And it’s not just your FICO score that’s at risk. Taking out a loan on a car or financing a big-ticket item like a boat, wedding, or vacation can increase your debt-to-income ratio (DTI), making you look like a less attractive borrower to a lender.

To conclude, avoid making any big purchases or financing a new car for six months or a year before you want to purchase a home.


2. Don’t max out credit card debt

Maxing out a credit card is one of the worst things you can do before closing on a home loan. The extra debt payment amount will offset your income and result in you qualifying for less mortgage financing. It will also lower your credit score, which could increase the cost of your loan.

What lenders care about is how much you owe relative to your credit limits. For instance, if you owe $2,000 and your limit on the card is $2,500, your card is nearly maxed out and it will lead to drastically reduced credit scores resulting in higher rates and monthly payments when it comes to getting a loan to purchase a real estate property.

For the best mortgage rate and in the interest of keeping debt levels down, try to keep your credit utilization below 30% of your total credit limit. For instance, if your credit card allows up to $3,000, try to maintain a balance below $900. And pay the card off in full every month, if you can. This will improve your credit score, reduce your debts, and help you qualify for the best possible home loan.


3. Don’t quit your job or change careers before buying

Demonstrating consistent employment is essential when applying and getting approved for a mortgage loan. Job changes can create lending issues, especially if your pay structure changes from salary to commission, as this necessitates a longer track record of earnings. A change from salary to hourly can also create some lending headaches, as hourly earners can have variations in their income simply based on how much they work.

What is the rule of thumb? Aim for a consistent employment history of two years or more at the same employer or at least in the same line of work. If you already work in accounting, for example, switching from one accounting firm to another shortly before you buy a home won’t set off any red flags for your lender. But if you switch to a totally new field for example, from accounting to hairdressing, you’ll likely need to work a full two years in the new industry before you can qualify.


4. Don’t assume you need 20% down

Many first-time buyers assume they need a 20% down payment to buy a house. But while having 20% down comes with perks like avoiding private mortgage insurance (PMI), it’s not always the best option. Waiting until you have 20% down can push your home buying timeline out by years. And the longer you wait to buy, the higher home prices you’ll be chasing, which likely means you’ll need an even bigger down payment.

Luckily, there are several loan programs available today that require little to no down payment such as the 3.5% down FHA loan or the 5-10% down conventional mortgage.

Typically, you need to pay mortgage insurance if you put less than 20% down. But the good news is that mortgage insurance companies today charge more affordable monthly premiums than they did years ago for borrowers with good credit. As a result, sometimes it makes sense to put less money down and pay off other debts instead of trying to put 20% down on a home just to avoid paying mortgage insurance.


5. Don’t shop for houses without getting preapproved

Before you go house hunting, it’s crucial to get a mortgage preapproval. Otherwise, you could be setting yourself up for disappointment. If a prospective buyer finds a house they love and afterward tries to get preapproved for a loan, the home may be gone before they finish getting preapproved. In addition, many sellers want to show their home to serious buyers only and will request a preapproval letter from the buyer.

There’s another compelling reason to get preapproved early in the process, too: often, you really have no idea how much house you can afford until you get preapproved by a lender.

The preapproval process involves applying with a lender who will check your income, credit history, and assets. Only after verifying these documents can a lender approve you for a home loan and tell you your real price range.


6. Don’t go with the first mortgage lender you talk to

You’re excited to claim a home, and you want to speed up the process. So, you apply with one mortgage lender and move forward as soon as you’ve been approved. The experts agree: That’s a big mistake. Although many lenders’ rates are very close in price to others, some lenders charge rates that are above average. Getting a bad loan with a higher interest rate can be very expensive in the long run, so be sure to shop around and get quotes in writing from several different mortgage lenders. You won’t know who can offer you the best deal until you’ve compared personalized rate quotes from at least 3-5 companies.



7. Don’t make any big financial changes before closing escrow

Once you have a signed purchase agreement and you’re approved for a home loan, you’ll go through the final stages of underwriting. This is mostly a waiting game while the lender re-checks your financials and issues the final approval for your loan before to wire the money to the title company. Therefore, don’t be lulled into thinking it’s a done deal. Nothing is official until you’ve signed the final closing papers. The last thing you want to do while waiting for final loan approval is to make major financial changes, such as: purchasing a car, significantly increasing your credit card balance, opening up new credit cards, changing careers or applying for new loans or lines of credit.

It’s most certainly tempting to open up a Home Depot credit card so that you can save money on new appliances. But this kind of move can easily tip the delicate balance of your DTI and throw off your creditworthiness so that you no longer qualify for the loan you were approved for.

Bear in mind that a loan approval isn’t final until the loan funds, at which time the house will be in your name. But before that time, a lender can rescind the approval if a material change to the buyer’s situation occurs.

As long as you avoid these mistakes during the home buying process and keep your finances in the best shape possible you should be on the right track to homeownership. Simply maintain a financial quiet period prior to closing, and don’t do anything that could put your final approval and your home purchase in jeopardy.

Source: this excellent article was written by Erik J. Martin who is a contributor for Mortgagereports.com, the Reader's Digest, AARP The Magazine, and The Chicago Tribune.
https://themortgagereports.com/84659/what-not-to-do-before-buying-a-house

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What my clients are saying  

Sophia was extremely helpful in the process of purchasing a condo. We did a lot of the search long-distance and she was excellent at picking places that prioritized the needs I had expressed over our phone calls. She was also extremely helpful in coordinating with the title company and the loan officer in order to ensure a smooth buying process. I really appreciate her hard work and diligence throughout the process.

 

~ Morgan M. - First Time Home Buyer

Buying a property is very exciting but also stressful and Sophia was the perfect partner who lead us to great success. Having a competent and trustworthy agent by your side like Sophia is THE key to success. She would know where to look for potential red flags when touring houses or checking disclosures. She helped us prioritize the important features we wanted in a house. She would finalize the whole offer within a day or two, highlighting the key aspects with their implications, and take the time to explain her recommendations to us. She would double/triple-check to make sure everything looks good. She stood by us at every single step of the process until we officially became homeowners! Her work ethic, amazing negotiation skills, dedication to customers, combined with her background in law, made us confident that we could not have found anybody better. And did I mention that her blog is an incredibly useful resource for first-time buyers?

 

~ Damien K- First Time Home Buyer

My wife and I have sold two homes with Sophia. She raises the bar so high, that I can't imagine calling anyone else. At the same time, she takes the time to explain everything. She works out a strategy for each property and explains her thinking for every aspect. She knows the ins and outs of real estate -- what is and isn't worth time, effort, and money. At the end of every deal, I've always been glad she's on our side. Especially after seeing the closing price. My last sale was a property that was part of a trust, and she helped make sure I had everything needed to make that sale go as smoothly as possible. Bottom line: I simply cannot recommend Sophia highly enough. She is a true partner for her clients, taking on much of the stress around a sale, and working tirelessly through every aspect of a real estate negotiation. Her knowledge, guidance, and tenacity are invaluable. You will be glad she's on your side.

 

~ Brent M. - Seller

We were extremely pleased working with Sophia on a sale of our Willow Glen home. She made a sound market analysis, developed a sale strategy, made recommendations on what upgrades were worth making and what not, provided excellent help with a staging, guided us on all stages of the process, and negotiated a sale bringing us $180k over the asking price and free one month rent back. We can highly recommend Sophia for anyone's real estate needs. She is highly professional, and her vast knowledge of the field, including legal aspects, unique negotiating skills, work ethics, experience and complete dedication make her a top notch realtor, head and shoulder above your average Silicon Valley real estate agent. She can be trusted to match and exceed your goals.

 

~ Alex & Rachel S. - Homeowners

We felt very fortunate to have Sophia on our side during a recent "long-distance" real estate purchase. I see other reviewers using terms like "relentless," "devoted," and "detail-oriented" which are also true but don't fully describe her. This is closer: Sophia is like having another you, except she knows what she's doing, she is everywhere at the same time, and she seems to be able to devote all of her enormous energy to tracking the complex pieces of the deal and getting your problem solved. Sophia may have been more invested in our transaction than I was! Whenever some issue presented itself my wife would ask "what are we going to do about that?" I'd say "I told Sophia." Done. In short, you can fumble through a huge transaction and hope that you are doing everything properly and aren't getting cheated or missing something or making or a huge mistake, or you can hire Sophia.

 

~ Tim F. - Buyer Investment Property

Everyone who works with Sophia says to you that she is relentless, detail-oriented, and not shy to put on pressure so that things get done. Sophia worked with us on finding a home back in June 2020 and by November we've moved into a place we're really happy about. She was understanding about our preferences, patient about the search, and prepared to spend months with us until the right house showed up that checked all the boxes. She also let us explore midsummer when we started wondering about other neighborhoods or living situations. Where Sophia really distinguished herself was once we put an offer on a place that we were really serious about. She was available all night and day (she even stayed up with us calling the mortgage broker and the selling agent at 10:30 at night until we had confirmation). Sophia, we couldn't have done it without you. Thank you so much for your kindness and your persistence.

 

~ Christian B. - First Time Home Buyer

We can't say anything but the best about our buying experience with Sophia as our agent. We had come across some new developments in Hayward and fell in love with the plans and finishes at Sohay and it happens that a friend of ours lived there. Long story short, he connected us with Sophia and the process was smoother than butter. Sophia was all over the developer with moving things along, even during shelter-in-place and provided us with timely responses. She also didn't balk when we had stupid first homebuyer questions. From what I hear, since we bought "new" the process may be a bit easier. None-the-less, it was complicated to us but Sophia made the entire contract, loan process and finally closing, palatable with her guidance. I'd recommend her as anyone's agent (buying or selling), we'll definitely be working with her in the future. Thanks so much again Sophia!

 

~ Norman D. - First Time Home Buyer

This is our 5th transaction with Sophia and she delivers every time! Her marketing to sell our property was outstanding and she is always pro-active in making sure that all the parties involved (title company, other agents, loan officers) respected the deadlines to close on time.

 

~ Sean M. - Buyer/Seller

Sophia was recommended by the lawyer for my dad's estate because we might encounter inchoate legal issues. Instead, we encountered a pandemic that slowed and complicated every aspect of the process, but Sophia proved adept with that too. She used the period of enforced idleness to thoroughly research the market for an old house in a unique neighborhood and zeroed in on just the right asking price to suit my needs under the difficult circumstances. When we were finally able to list the property, it sold in less than a week for more than we asked, without contingencies, to just the right people for our family home. Sophia has an excellent team (inspectors, cleaners, repair people, photographers, office staff) that whipped things into shape efficiently, and her good reputation with other realtors and title companies led to a smooth operation without delays. Everyone is happy about the results, I'm relieved and grateful for Sophia's expert guidance throughout, and she made it seem so easy!

 

~ Maureen A. - Trustee Sale

Sophia is one of a kind agent. Unlike many agents out there who only care about their commission, Sophia truly cares about her clients' interests. She is extremely knowledgeable, very responsive and detailed oriented. She guided us throughout the whole process carefully and patiently and made everything easy for us. She did not count her time to respond to all of our questions, to help us with the staging of our home (which was challenging during Covid-19 time) and to review all the documents one by one with us diligently. She is AMAZING!!! I would highly recommend Sophia to anyone who is looking for a top notch agent. She is a true professional, loyal and a genuinely nice person.

 

~ Julie A. - Relocation

We've been extremely pleased with Sophia's help in selling our house. Her deep, data-backed expertise of the Bay Area real estate business combined with her attention and care for her clients make her the perfect real estate agent. Sophia takes pride in being fully transparent and frank with her clients, while at the same time fighting for the best possible outcome for them. We couldn't recommend her more highly to people wanting to sell their Bay Area house

 

~ Raphael L. - Seller

Sophia is the BEST! We recently decided to sell our home of 41 years and move to a bigger place. We were both dreading this process as we'd had only one other experience buying real estate and neither of us remembered much about it! We bought the first house new, and had no experience at all at selling. Sophia was on top of everything, at all times, and made the entire process much smoother than either my husband or I had anticipated. Her legal background and extensive knowledge of the real estate world made everything so easy for us. She took the worry out of our sale, and made buying this next house a pleasure. She really knows her stuff, and as someone else here said, she reads every word of every contract or legal document! She is good at explaining things as well. We could not have asked for a better experience, and are so glad we found Sophia. You will be very glad you chose her too!

 

~ Lois G. Purchase Contingent to Sell of Her Home

Sophia represented me when I was selling my property. She is the consummate professional. She had a clear plan and was very good with communication and follow-up. She produces results and I was very satisfied with the sales price. Highly recommended.

 

~ Cara A. - Investment Property

Sophia is an excellent Realtor. We found her by referral made by our family Lawyer. She took the stress out of old memories and made the sale of my Fiancé's family home fun. Excellent suggestions on the home remodeling being sold led to the highest sale in the neighborhood at the time. It also led to my condo sale 2 years later that just closed today. We used her again with the same results as in the past. My brother is now utilizing her skills to sale his home of 40 years and purchase a new country home. She became like part of our little family of 3 and we enjoyed her visits.

 

~ Stefen G. - Seller

Buying a home is stressful, meeting Sophia was a blessing. With our busy schedules she kept us focused and worked too many late nights with us "sorry Sophia" with us on offers. She was the calming factor for us during inspections and negotiations. When we did find the right house, we had a great team, but if it wasn't for Sophia overseeing everything and keeping everyone in the loop, I know we would have had undue stress that we didn't need. Sophia truly goes above an beyond. We owe her a lot

 

~ Lisa B. - Foreclosure Purchase

I live in New Hampshire and became the trustee of my aunt's estate in California. I was out in CA for a week to find the best real estate agent to sell her place which involved working with a trust and a long distance seller. Sophia won the listing. She was nothing short of amazing. She had the place listed within a week and offers within the month. She took care of everything. I am so grateful to her for making this process as simple as it could be. I highly recommend her.

 

~ Lynn W. - Trustee Sale in Senior Community

Sophia is foremost a professional who is skilled at negotiating for the benefit of her clients. We were truly and pleasantly surprised by the conditions she was able to negotiate for us on top of selling the property under an accelerated timeline. Her professionalism is complemented by her thoroughness and work ethic. Sophia is also kind and goes beyond and then some to help her clients. Despite having closed over a month ago, Sophia is still helping us through challenges with the Property Management company!

 

~ Harry H. - 1031 Exchange Tenants Occupied

As a Santa Clara County attorney, I have sought Sophia Delacotte's advice on real estate transactions. Sophia has consistently given me the best advice. I highly recommend Sophia for her outstanding negotiation skills, superior knowledge of the real estate market, devotion to her clients' best interests, superior results”.

 

~ Michel R. - Lawyer

Sophia is dedicated to each of her clients, helping us to understand the process and setting up the schedule for all elements of preparing the house, publicity preparation and marketing, staging, photography, and open houses. She made recommendations regarding what upgrades to the property would be beneficial and which would not. She scheduled meetings with us and with the inspectors and followed up on each item. I have just noted the 102 emails we exchanged through this process. Even while on a short vacation out of the country, Sophia made time to coordinate the things that needed to be done to review and accept an offer. I would definitely recommend Sophia Delacotte to friends.

 

~ Phil C. - Trustee Sale

My dear friends needed my help to sell their investment property in San Jose and I'm a realtor in San Diego. I reached out to Sophia and she was very responsive and promptly reached out to my friends and helped them navigate through the sale of their investment property. Sophia is very professional, knowledgeable and hardworking! Sophia is simply the best when it comes to communications with all parties from beginning all the way to closing. Will absolutely refer all my Bay Area friends and family to Sophia for their Real Estate needs.

 

~ Jennifer W. - 1031 Exchange

Sophia is simply the best from the beginning all the way to closing. Very professional, knowledgeable and hard working! Enjoyed selling our house with Sophia!

 

~ Mo Y. - Seller

I honestly don’t know what I would have done without Sophia’s help. The property – a condo in downtown San Jose – needed to be sold quickly. Despite HOA litigation and adversarial market conditions, Sophia quickly and professionally arranged for the condo to be cleaned, staged and shown. Sophia also made sure the condo took center stage on Redfin and Zillow. Within just a few days, the condo had garnered thousands of views on various real estate sites. In no time at all we had a number of interested buyers and investors making inquiries. In record time, Sophia negotiated a great price and skillfully closed the deal. I would highly recommend Sophia for any real estate transaction in the Bay Area.

 

~ Andrew E. - Sale In Connection With a Divorce

Sophia is an amazing realtor. Because of her years of experience, her knowledge of the laws and her high work ethics, she simplified our part in selling our property in a very short amount of time. She is totally engaged in her clients welfare and takes on the majority of the work. She is a delightful, caring person and an absolute jewel to work with. She made this selling process so easy for us. Sophia is exceptional in her field. We are so grateful to have had her as our agent.

 

~ Diana S. - Trustee Sale

Sophia was amazing to work with. Because of her years of experience in Real Estate and Law, she made the sale of our property so easy. She provided us with needed resources and guided us through all the necessary steps. Sophia is totally committed to us with daily update communication. She is very organized, driven and a true professional. She has a charming personality and made us feel secure in all our decisions. We are very grateful that we found her thru Yelp when we needed to sell our property fast.

 

~ Am N. - Trustee Sale

I have known and worked with Sophia for several years. She is hard working, smart, and knows exactly what needs to get done. You and your family would be fortunate to have her on your side.

 

~ Steve M. - Sale Tenants Occupied Property

We were very pleased with our relationship with Sophia and the overall outcome. When we found out we had to sell our house quickly we began to search for who we connected with but also who was best qualified. We connected with Sophia due to her no nonsense approach, attention to detail, availability and her great understanding of the legals that surround the sale of a home. While doing all that she was very pleasant and personable. I would use Sophia again and recommend her to anyone looking to buy or sell. Thank you Sophia!

 

~ Ben C. - Relocation

An excellent person for your real estate needs. Sophia felt like family and had very positive ideas during the remodeling stages that we incorporated into the final sale. She is a hard working agent and replied almost immediately to our inquiries. We had no problems and the final sale was in a matter of a few weeks once listed. We highly recommend her for your property.

 

~ Stephen G. - Sale Investment Property

Smart, efficient, capable, honest, hardworking are just a few of the descriptions that come to mind to describe the amazing service provided by Sophia. She goes above and beyond expectations to be of assistance to her clients.

 

~ Linda S. - Probate Sale

Sophia is wonderful! She helped us find the perfect buyer for our bizarrely beautiful house. She made the whole process such an easy affair and made sure all the I’s were dotted and T’s were crossed so that the sale went more smoothly than I ever imagined would be possible.

 

~ Darrel B. - Relocation

Sophia is The Best. Professional, Ethics and Result oriented, Look nowhere else and get in touch with Sophia. My family is very proud to have worked with her and she delivered more than expected. We learnt so much and are thankful to her. We Wish Sophia the Best.

 

~ O. V. - Investor

Sophia helped my mother sell her house , while also helping her with overwhelming circumstances. Her sales strategy was impressive, and got my mother way more than she ever thought. She then helped her find a new house , perfect for her. All the while personally helping her with trying circumstances. This woman has the patience of a saint ! Her skills , integrity, knowledge, sincerity, and incredibly endearing personality would serve anyone looking to buy or sell ,or honorary member of the family for that matter. She's that good. Would not only recommend her, but go out of my way to steer someone her way. You simply cannot go wrong with Sophia.

 

~ Wally P. - Trustee Sale

Sophia is the most amazing Real Estate professional I have ever seen in action. She puts her client's interests first and goes to incredible lengths - above and beyond what one would expect. I am an attorney and have been practicing for over 25 years and have worked with and observed many Realtors over the years. Sophia is head and shoulders above the rest. Her care, attention to detail, and whole person approach are outstanding. She is the best that I have ever seen.

 

~ David B. - Trustee Sale

Sophia has been my agent twice, one time to sell and the other to buy. Thanks to her skills and experience, she was able to help us through each step of the process and get us great deals. I particularly appreciated her proactive attitude to get things done, and her amazing attention to details to make sure nothing slipped through the cracks. Each time we also got praise from the other parties about her professionalism.

 

~ Julien R. - Sale Investment Property

Sophia has gone above and beyond in regards to helping my wife and I find a new home for our expanding family. She is very informative in all aspects of buying a home! I highly recommend her!

 

~ Josh M. - Investor

Working with Sophia was a great experience. She is not only a trustworthy person, but she also always had my best interest in mind. She showed me various condos and explained the pros and cons of all properties which made my decision to choose the right condo easier. She constantly followed up with all the parties involved to make sure the home buying process went smoothly. This is evidenced by the fact that we closed right on time! She even made sure all the repairs were completed to my condo before I moved in. I would recommend Sophia to anyone who wants a realtor that will fight for them every step of the way.

 

~ Sean M. - First Time Home Buyer

I worked with Sophia Delacotte several times of the last 18 months. She sold my home with suave and suggested some another great agents remotely for my relocation. There was: honest and frequent communication; clear expectations; and fairer than average rates from the start; no sandbagging; a watchful eye and excellent management of all aspects of the process and contracts. Other realtors in the last decade had really left me with a negative opinion of agents, but Sophia made a name for herself and removed my bias. I'm also glad for Sophia's eagle-eye for legal trouble, so when it came to here recommendations for covering ourselves, I followed them without hesitation. Suggestions on what needed fixed, and encouragement for transparent disclosures is important in California. Buying and/or selling a home can stressful, but it was fun with Sophia for myself and my family

 

~ Kyle B. - Relocation

Sophia Delacotte is thorough, knowledgeable, and helpful. She assisted me with the sale of my townhouse in San Jose. It sold after one open house, and I received multiple offers. Sophia screened all of the offers and recommended the offers which would close with the least amount of hassles or surprises. She is extremely knowledgeable about the real estate market. With her legal background, she is a strong and effective advocate for your side of the transaction. Sophia always kept me in the loop, was clear with what she needed, and the timing of the response to what she needed. She is a pleasure to work with, responsive, and committed to making the entire process go as smoothly as possible. I highly recommend Sophia and would definitely work with her again in the future.

 

~ Bonnie B. - Relocation

Sophia has been very professional throughout the process of my house purchase. She was very patient as I was quite particular about what I want with the budget I have. Sophia was also very helpful and very knowledgeable. She is a very good realtor.

 

~ Jackson T. - Investor

When we met Sophia for the first time, on a Sunday afternoon, we were immediately struck by her professionalism and competence. With skill and patience, she navigated us through the complex and confusing steps of getting pre-approved for a loan, viewing the house, putting down an offer, and learning when to walk away. As first-time home owners, we were nervous and uncertain. Sophia gave us invaluable advice and encouragement during the ups and downs, and her knowledge of the real estate business and housing market always led us in the right direction. One of our favorite things about having her as our agent was that she made herself constantly available. She met with us every weekend for three months to check out houses we liked, and she was always savvy about the state of the house and what might appear on the disclosures. She struck the perfect balance between giving advice and allowing us to form an opinion ourselves.

 

~ Maria J. - First Time Home Buyer

Sophia was a dream to work with. She handled a very difficult short sale for my wife and I. Without her help we would have been lost. She was a great negotiator and partnered with us to help explain every piece of paper that we had to sign as well as assisting us gather proper documents an information all the parties needed. I can't recommend her more highly.

 

~ Nate M. - Short Sale

Sophia helped my wife and I during our house search this summer. She was incredibly diligent, honest and forthright. Unlike a typical agent she actually advised us against couple of houses due to issues she discovered in the disclosures (she reads every word). As first time buyers we were easily seduced by appearances but Sophia kept us grounded! Definitely look forward to working with her again and would definitely recommend her services to friends.

 

~ Sarang R. - First Time Home Buyer

Sophia has a sign in her office which reads "tenacity" which describes her commitment to her clients and her ability to follow through on a transaction. She's a great (full time!) agent to work with, and as a first time home buyer. I can't express how important it was to have her by our side to help us every step of the way. She's straight-forward (former lawyer), and french (former Parisian city girl), which only adds to her charm. Beyond her great work ethic, she conducts herself by the book with an uncommonly high degree of professionalism. Sophia will look out for your interests, and protect your privacy. While I'm happy to have a home (thanks Sophia!), my wife and I will miss having her as our agent.

 

~ Stephen R. - First Time Home Buyer

I am so thrilled that I chose Sophia Delacotte to handle the sale of my condo. Having had my first sale fall through two years ago at the fault of my realtor and title company, I was very nervous about going through the process again.Sophia’s confidence and ability was unwavering. She is very thorough and detailed, and her great follow-through skills assured me that nothing would slip by unnoticed.Everything went smoothly with the sale, even with my many unconventional secondary loans. Escrow closed on time, and I received my funds quickly. I would recommend Sophia to anyone buying or selling a home.

 

~ Radel S. - Seller

I was a first time home buyer in the US market, and Sophia has been fantastic helping me understand the whole process. I am so glad I hired her as my agent. She made every step go really smoothly and I have now found my dream house in the Bay area! She has been very responsive and quick to react when I needed offers to be put together. I strongly recommend Sophia for a Bay area acquisition, especially for non US citizens who are not familiar with local practices.

 

~ Sylvie B. - First Time Home Buyer

Sophia Delacotte is thorough, knowledgeable, and helpful. She assisted me with the sale of my condo. The condo sold after one open house, and I received multiple offers. Sophia screened all of the offers and recommended the offers which would close with the least amount of hassles or surprises. She is extremely knowledgeable about the real estate market. With her legal background, she is a strong and effective advocate for your side of the transaction. Sophia always kept me in the loop, was clear with what she needed, and the timing of the response to what she needed. She is a pleasure to work with, responsive, and committed to making the entire process go as smoothly as possible. I highly recommend Sophia and would definitely work with her again in the future.

 

~ Laurie O. - Seller

I had to sell my house fairly quickly because of a move and imminent wedding. Sophia proved to be the best choice I could have made. She was extremely resourceful and guided me expertly through paperwork and expectations. The house sold after only two open houses, and we received multiple offers. I was also very satisfied with the price obtained. In addition, she made the whole process as painless as can be. Sophia provided very solid support, and her legal background was very helpful to navigate the documents required. I was glad she was on my side! I highly recommend Sophia Delacotte as your real estate agent.

 

~ Yves E. - Relocation

It was wonderful having Sophia help my mother sell her house. She went above and beyond our expectations, and was very patient when addressing my mother’s concerns, making the process as smooth as possible. The house sold on the first open house, and we received multiple offers. Sophia screened all offers to make sure the one we chose would close without any surprises. I highly recommend Sophia to anyone needing a great realtor.

 

~ Phil R. - Relocation

We used Sophia again this Spring as we had to move to reduce my commute. Sophia not only helped us to sell our house in record time but also was very diligent in managing the multiple offers market - she carefully analyzed all the options and helped us dot the i's and cross the t's with choosing the right offer and family. When it came to finding our new home Sophia pulled out all the stops to ensure we got the home we wanted. Sophia built a strong relationship with the selling agent and ensured that our interests were protected. Staying up late into the night negotiating she secured the home we were looking for. Sophia also advised us throughout the process and made sure we did not just settle on any home - someone we can rely on with strong values a great work ethic and her customers interests being number 1.

 

~ Amin D. - Buyer

We have Sophia as our realtor for close to 3 years and think she is really awesome. She makes it a point to understand our needs and gives us good advice on the market swings and how to offer on the properties that we were interested in. She doesn't push us and respect our thoughts and looks out for us. She always makes time to see us even if it is at the very last minute and helps us through the whole process from inspecting the house and seeing if it fits our needs and personality, to thoroughly asking the buyer's realtor and being absolutely professional in giving a good image to the seller and his/her agent. We bought our new home in 2014. Sophia stayed with us throughout the whole process till escrow was completed and was always still available to help us after.She is well connected and referred us to a great loan agent who gave us the best interest rate and helped us close in 14 days. We will definitely ask her to assist us again if we are going to buy or sell in the future.

 

~ Stan A. - Buyer

Sophia is the kind of person who makes your house dream come true. That was our case. Sophia listens to you and suggests places that work for you. She tailors time and resources for your special needs. Since we met her the house hunting was accurate and in a few weeks we were able to bid and get our dream house. After many years of house ownership, my wife and I feel very lucky we met her.

 

~ Angelo M. - First Time Home Buyer

It's really hard to find an agent who is looking out for you and your needs. Sophia cares for her clients deeply and understands what we want. She will go above and beyond to assist us in meeting the deadlines and helps us with understanding the intricacies of offering and the market trends.

 

~ Surt A. - Buyer

Sophia Delacotte was the selling agent for our home in San Jose, California in September 2013. We were in contract for the sale in about three weeks. Sophia was a consummate professional from our first meeting, to our open house and through to our move out of state. She is extremely knowledgeable about the real estate market and, with her legal background, a strong and effective advocate for your side of the transaction. She is also a pleasure to work with, very responsive and is committed to making the entire process as stress free as possible. I highly recommend Sophia as an agent who is head and shoulders above most others in the profession. I feel we were fortunate indeed to have had her as our agent.

 

~ Kathy D. - Relocation

Because of Sophia's clever strategy we made our offer sight unseen. We are now the proud owners of a Condominium. Because of her tireless efforts she made the whole process seamless. Thank you Sophia for all your hard work!!

 

~ Margie A - Investor

Sophia made my short sale purchase as easy as it could be. Honest, tough, does what you ask. I was very pleased. She Made sure I had all the right inspections to protect myself.

 

~ Paul B. - Foreclosure Purchase

As a mortgage originator for over 15 years, I have worked with hundreds of real estate professionals. Sophia is actively involved with the purchase from the time of pre-approval to closing. However, it does not end there. She maintains a business relationship with her clients and is there to assist with any needs from service providers to home information. Her clients are her priority and they are fortunate to have such a fine professional representing them.

 

~ Camille D. - Buyer Loan Officer

Great advice , incredibly efficient! Sophia successfully guided us to buy a house in a very competitive market, and helped manage the transaction every step of the way. You'll want her on your side!

 

~ Caroline M. - First Time Home Buyer

I have found Sophia to be a thorough, ethical, and extremely competent real estate professional. Her knowledge of this challenging real estate market and her passion to advocate for her clients is remarkable. I have worked with many realtors and I count Sophia at the very top of her profession. I have complete confidence that if you are looking for a no-nonsense real estate professional, you will find one in Sophia Delacotte.

 

~ Marc A. - Relocation

Sophia is the most honest, ethical and loyal realtor I have ever worked with. To this day, I remember her telling me that if the sale wasn't in my best interest, she wouldn't feel comfortable representing me. It was very refreshing to know that the client's best interest was her foremost concern. She stands by her clients from the beginning of the process until the ink is dry on the final document, and follows up after the sale to ensure no hidden obstacles have emerged. She is diligent in her efforts to manage the process of a home sale with all parties involved. She keeps her clients informed every step of the way and works tirelessly to forge a positive outcome. Sophia is also like a member of the family. She displays a true and genuine concern for the welfare of her clients and displays this not merely through words but through her actions. Without hesitation I would recommend her to anyone in need of a realtor that is transparent, ethical, and a true professional.

 

~ Greg Z. - Short Sale

Sophia is very thorough, knowledgeable and helpful. The short Sale process is confusing and worrisome but Sophia was able to help me navigate the paperwork, deadlines and legal jargon. She was respectful, responsive and most importantly, she delivered results! I recommend her.

 

~ Ann A. - Short Sale

I will relocate with my family from Europe to Silicon Valley in summer 2012. Early in my quest to find a home, I was very fortunate to identify and work with Sophia Delacotte, a Realtor with Coldwell Banker in Almaden San Jose. Her help has been invaluable every step of the way from presenting our offer to the close of escrow a few months later. She has been remarkably helpful in particular with regards to dealing with all financial complexities attached to a cross border transaction. Thanks to an amazing sense of attention to details, she masterfully coordinated the entire transaction with all stakeholders and parties involved and made us feel completely safe about buying our first home in the USA. She has clearly exceeded all my expectations and provided a level of service largely beyond the call of duty of a regular real estate agent. I highly recommend Sophia to anyone looking to make a real estate investment in the Bay Area.

 

~ Nadia K. - Relocation

My wife and I met Sophia socially, and she offered to advise us in our search for investment property in another city. Since then, she has been incredibly generous with her time, and has given us precious recommendations on what deals to go for, or run from. We are very grateful and wish her the greatest success.

 

~ Michel B. - Investor

Working with an agent like Sophia is like a breath of fresh air. She is diligent about providing information when requested and quick to respond to needs, or concerns. Her dedication to her transactions, from beginning to end, helps to insure quick and timely closings.

 

~ Heather C. - Investor

Sophia helped us purchase our first home, she was patient and addressed all our concerns. She's very responsive and I couldn't have picked a better real estate agent. She is the best!!!

 

~ Sal C. - First Time Home Buyer

Sophia is a straight shooter. I learned very quickly that it is of essence to have a Realtor who is bullish and will help you get what you need. Sophia was always keeping us in the loop, very clear with what she needed, the timing of it and the why she needed it piece. The short sale process if very confusing and frustrating for a buyer and yet she seemed to make it as seamless as possible. I would recommend her to anyone that is looking to sell!

 

~ Cindy L. - Short Sale

We met Sophia at an Open House and immediately clicked with her. We have worked together for several months now on various property and development projects. As her clients, we find her exceedingly smart, dependable, and thorough. On our very first collaboration with Sophia, she worked long and hard, carrying us through every detail. She had our back the entire time so we had peace of mind throughout. She's a real pleasure to work with; any client would be lucky to have her in their camp

 

~ Nora N. - Investor

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