In Touch Realty Services
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In Touch Financial Services combines the expertise and power of Real Estate, Mortgage and Advisory & Investment services providing a well-rounded set of financial expertise. Looking to Buy or Sell a home, we are ready to help. Our experienced real estate agent can assist finding the home that fits your lifestyle and budget. Home loan programs from refinance to home purchase.

A wide variety of loan programs. Our experienced advisors guide you through every step of the transact for a stress free experience. Vanessa and Rodney and their team walked me through the whole process and in the space of a few weeks led me to my first home. I couldn't be happier and now I don't hesitate to recommend In Touch to friends who are thinking about buying or selling because they couldn't be in better hands.

read more › Vanessa was born and raised in San Francisco California. She attended and graduated from SF State University with a Bachelor's of Science degree in Business and Marketing. After working several years in the financial industry for large Investment firms and banks, Vanessa noted a need for establishing a true relationship with her clients. Spending time to get to know them personally and professionally. The desire to help clients understand not only the importance of long term investment strategies but what these are and how they work.

read more › Our Clients: In Touch Financial Services believes in the importance of client relationships and prides itself on maintaining those relationships over the decades. Our Team: In Touch Financial Services provides financial advice and portfolio management to both individuals and small to medium-sized companies. Through special planning and working together as a team, we specialize in making sure your financial dreams become a reality!. Our team is ready to help you with financing for your new home, providing refinancing options, real estate services or creating opportunities for investors.

read more › The In Touch Financial Services Team has the expertise to assist you Real Estate, Mortgage Lending, and Investment & Advisory Services. Mixing the right business, personal and customer approaches is how we make In Touch a great place to work. It is also how we keep our clients and customers coming back, referring our services and rating us highly for our service.

read more › Get the In Touch experience with guidance every step of the way from the search, listing, to the closing and even beyond towards a path of financial freedom. This Tuscan style home is the ultimate in luxury living, located in secluded Stonebrae, it is 2 years new, Brookfield Crown Point build, built on a large 9,301 sf. The lovely open concept kitchen is a chef's dream, featuring top of the line Wolf Appliances, subzero refrigerator, double ovens, gas cooktop, built-in microwave. The countertops are a sleek and refined stone.

read more › Our Bay Area cities list is a showcase of the exclusive, diverse and interesting locations in the area. InTouch real estate experts are here to assist and help you select the area that fits your expectations and lifestyle. Oakland is the eighth-largest city in the U.S. state of California. It is a major West Coast port, located on San Francisco Bay, about 8 miles (13 km) east of San Francisco. Oakland is a central hub city for the Bay Area subregion collectively called the East Bay, and it is the county seat of Alameda County.

read more › Many buyers are unsure of how much they can afford when purchasing a home. It is important to sit down with a Mortgage Loan Officer to review your income, debt and credit score, with their professional help you will be able to determine how much home you can afford. After getting pre-approved, we recommend taking time to go to as many open houses as you can. Determine what you absolutely must have, what you'd like to have, and what is negotiable. There are many ways to find a realtor, but the best way is by referral.

read more › Planning and guidance for your complete asset portfolio managed by In Touch or managed by other firms. Retirement is another beginning, and our team is ready to assist with your planning starting day one. ITFS has specialists who can help you plan to preserve your wealth for future generations. We help you navigate potential estate tax strategies, help you develop an estate plan, and consult with you on wealth transfer techniques. Research demonstrates the importance of empowering your heirs so your wealth can successfully transition someday.

read more › At ITFS, we help you plan every step of the way, using a holistic approach to guide and direct you in the development of your retirement goals and objectives. We understand that there is no one approach to retirement planning. Therefore, we have several meetings before determining the best approach for you. Sometimes we need to consider assets that many firms typically do not consider in planning; our background in Real Estate, Lending, Insurance allows us to bring a knowledge base that many firms do not offer.

read more › Portfolio construction and management work differently at ITFS. We believe that just as there are no two individuals who are alike, neither should any two portfolios be alike. As a Fiduciary, ITFS works directly with you and for you, putting your interest first. Our approach is to listen first, ask questions and then put together a portfolio designed specifically for you. We believe that the diversity of your portfolio should include, diversity amongst companies, sectors, and asset class, as well as risk diversity.

read more › Use this calculator to determine the future value of an investment which can include an initial deposit and a stream of periodic deposits. A 401(k) can be one of your best tools for creating a secure retirement. Use this calculator to see why this is a retirement savings plan you cannot afford to pass up. Use this calculator to see how increasing your contributions to a 401(k) plan can affect your paycheck as well as your retirement.

read more › Your time and future demand the best and brightest. Our advisors are highly experienced and talented people who treat you like more than a portfolio. The In Touch Financial Services Team has the expertise to assist you Real Estate, Mortgage Lending, and Investment & Advisory Services. Vanessa has over $35 million dollars in assets for personal and corporate clients. She was featured in Black Enterprise magazine as a leading Advisor for Solano County. Vanessa is also a licensed Real Estate Broker and Mortgage Lending Office and owns and operates In Touch Realty Services an In Touch Investments.

read more › Our purchase loans are ready to help you get into the home of your dreams with low down payments and expert service. Refinancing can lower your payment, reduce your term, allow for cash out or maybe all of the above. We have a wide variety of refinance programs and our team can help find the right one for you. Purchasing a home is one of the most important events that you and your family will experience. It can be very exciting but, sometimes a bit stressful. InTouch Realty Services is here to help; our goal is to provide you with the most exceptional service while reducing stress.

read more › U.S. Government-backed loans, FHA home purchase loans are great for borrowers with low down payment and have more flexibility with credit than conventional loans. ARM, Interest Only and other loan products that work for home buyers that may not want a conventional or government loan. Our team is ready to help you with financing for your new home, providing refinancing options or creating opportunities for investors. Learn more about the home purchase process and the steps you can take with our team to ensure a successful home purchase.

read more › Rates are lower than in the past. In Touch Mortgage Services has access to great rates and home loan programs that could reduce your rate. Our team is ready to help you with the best refinance home loan options. Whether you are reducing your term, lowering your payment, looking for a lower rate or getting much need cash out of the equity in your home, we are here to help. Learn more about the home purchase process and the steps you can take with our team to ensure a successful home purchase. If it is your first home purchase, you need a team that can help you navigate the purchase and financing process in terms you can understand.

read more › Rod Kearney has worked for over 25 years in the Real Estate industry. He originally received his California Real Estate license in 1989 while in Southern California. Immediately he moved into a commercial real estate apprenticeship position with J. T. Graves Commercial Real Estate in Los Angeles Ca, where he learned the "ins-and-out" of the commercial real estate business. From there he was introduced into the world of Real Estate Financing. Rodney's career in mortgage lending spanned over the next 20 years in California with tenures at Countrywide Home Loans and First Magnus Financial Services Inc., as well as partnerships with Charter Funding Inc.

read more › The type of loan that you need varies on a few things; how long do you plan on staying in your home, if your income is fixed or does it vary, what are your expectations of income in the future. A buydown rate is when you are able to pay additional points up front to have the rate reduced. Typically the higher the better, but a minimum credit score of 640 is required for most loans. APR stands for annual percentage rate; it is the costs of borrowing expressed in an annual rate. The debt ratio is a percentage of your debt to income.

read more › Real Estate, Mortgage and Investment & Advisory Service experts that you can count on today for tomorrow. When you are ready to sell your home or search for the home of your dreams, our team is ready to assist you. With local Bay-Area experience and high-touch services, we create amazing real estate experiences. Purchasing or refinancing your home can go very smoothly when working with the right team. Talk to our loan officers about our guided process from prequalification to approval to closing.

read more › Sales, Operations and support teams are welcome to review our open positions. Loan Officers, processors, managers and seasoned professionals, explore a future career with our Mortgage Lending team. Financial services professionals in the investment and advisory community, talk to us about a future at In Touch.

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