Maurice Rizzuto
Your Real Estate Advisor
Committed to Your 100% Satisfaction!

Items Needed to Place an Offer

Properly preparing an offer can help you negotiate a better price as well as get your offer accepted. The following items are needed to place a complete offer on a property that you desire to purchase:

  1. Purchase agreement and related documents
  2. I will write your purchase offer using the standard California Association of Realtors forms, based on your input.

  3. Underwriting loan approval or pre-approval letter from a funding lender
  4. Without a home loan pre-approval, your offer will not be taken seriously and may not be accepted. Also, if you are not pre-approved and enter escrow, you may discover that you cannot get a home loan and may lose your earnest money deposit. You obtain a pre-approval letter from your loan officer or lender. I can recommend a loan officer who provides competitive rates and exceptional service. If you are already pre-approved for a home loan, please provide me a copy of the pre-approval letter.

  5. Most recent bank statement(s)
  6. The bank or financial statement(s) must show enough funds for the down payment and closing costs. A photocopy of an actual bank statement(s) or liquid funds is preferred, instead of a printout of an online summary.

  7. Minimum of 1% of purchase price as earnest money deposit
  8. I will instruct you on whom to make your check out to. I will make a copy and you keep the original.

  9. Recent credit report with credit scores
  10. You loan officer should be able to provide this. I will remove your social security number for security.

Why are all these items needed? Because:

  • You need to demonstrate to the seller that you have the financial capacity to purchase the property.
  • The seller will see that you are financially able to purchase the property and take your offer seriously.
  • You enhance your chance of getting your offer accepted.
  • It will enable you to negotiate the best price.
  • If you are not pre-approved for a home loan and enter escrow, you may discover that you cannot get a home loan and may lose your earnest money deposit.

My Mission

To be your personal real estate advisor providing exceptional service enabling you to achieve your real estate goals and improve your life.
Contact Maurice Rizzuto at
(858) 688-1646
California Real Estate License 01482568