Sellers: As we hammer out your deal, I'll not only work to get the very best sales price, but I'll also campaign for lower closing costs. And once we've arrived at an agreement, I'll explain in detail the closing costs so you know exactly where your money is going.

Buyers: When buying a property in Encinitas, you'll receive a "Good Faith Estimate" (GFE) of closing costs within three days of submitting your loan application. The estimate is based on the loan officer's previous experience and is required to be within a reasonable range so you're not astonished when you show up at closing time. I'll be willing to look through the GFE with you, answering your questions and highlighting any estimates that seem unusual.