My fiancé and I had the pleasure of working with Jim while purchasing our first home.
Jim found us an amazing property and worked with the selling agent to get us a great deal, which is amazing in this economy! He was also able to navigate our complex set of requirements with ease.
Jim was very responsive and helpful. He worked tirelessly to communicate with the selling agent while the seller completed some work on the property. He was also full of useful advice for first time buyers.
Working with Jim, we always felt that he had our best interests in mind, and was focused on finding us a property where we would be truly happy.
We would gladly recommend Jim to any prospective buyers.
– Irina Kozlovskaya
Jim is tireless on behalf of his clients. Both strategic and detail oriented, Jim does his homework to deeply understand the neighborhood, comparables and market trends.
Jim is also a joy to work with, always with a positive attitude and a great sense of humor. He makes a complex process enjoyable, and has a good story or two always at hand to help illustrate a strategic point. Perhaps his greatest strength is his fast and thorough follow-up, arguably the most important skill for a real estate agent.
– John Phelan
Jim provides absolutely exceptional service! He is thorough and detail oriented, while also moving swiftly when needed. Jim helped us navigate the highly competitive San Francisco real estate market when we were new to the area and we have now completed three transactions with him - we absolutely wouldn't consider working with anyone else. He is extremely knowledgeable and strategic; whether buying or selling he gets us the best deal possible. And, he happens to be a really nice guy!
– Anne & Peter Jones
Jim helped me with my recent and first San Francisco property purchase. He was recommended by a close friend and that recommendation was very well-deserved. I first started working with Jim about a year and a half ago, when I wasn't too sure what I was looking for or whether I was ready to purchase yet. Jim was never pushy, listened to my ideas, and provided honest but helpful advice about what I can expect in the current market. He set me up to regularly receive potential new listings that fit my criteria, and continued to respond to my emails and questions in a timely and detailed manner.
Fast forward to March 2018, when I completely changed the criteria of what I am looking to purchase and immediately started forwarding Jim long lists of new listings I was interested in. He was very professional and got on board immediately, providing me catered advice to what I should be paying attention to, which areas to look in (and more importantly, not look in), and what prices I should consider bidding with to even stand a chance. His quick responses and ability to build connections with the various selling agents helped me gain information that I otherwise would not have been able to get. I also very much appreciate Jim for his patience throughout the process and almost immediate responses even to 11pm texts; he went above and beyond and answered all of my questions, even ones that he shouldn't have had to cover. I loved working with Jim and will definitely recommend him to my friends.
– April Z
Jim helped me with my first property purchase in San Francisco. He came highly recommended from a friend and after working with him I can understand why. He is extremely responsive, knowledgeable and patient answering the hundreds of questions I had as a new property owner. I would recommend Jim to anybody and he facilitated an extremely smooth transaction from me expressing interest in a property right through to closing.
I've had the pleasure of working with Jim as both a buyer and a seller of property. He's been a true pleasure to work with.
When I met Jim I was a first-time home buyer that had done some research but was by no means an expert. Jim really went out of his way to take the time to spend an hour talking me through the process of completing a transaction and things I should be aware of in my search for property. He was with me every step of the way and went out of his way to attend the final signing in person.
For years after I moved in I would receive thoughtful notes from Jim about the anniversary of owning my home, asking me how my work was, etc. These had a real human touch and went into a level of detail that could only have been written by Jim himself - he really cares about his clients.
When it came time to sell my home there was no question - I knew I'd be working with Jim again. He did an amazing job preparing the marketing around the listing, cross-checking with realtors representing other properties in the area, and really doing his homework to best position my property. The strength and speed of the offers reflects his hard work, and I could not be happier.
I hope to work with Jim on all of my property needs. Proceed with confidence - he's the real deal. Thanks Jim!
– Mike Doran
I am very happy with my experience with Jim O’Neil as my realtor. Jim was always friendly and helpful throughout the entire process and was always quick to respond to questions. Jim was knowledgeable and well versed in the intricacies of the difficult real estate market of San Francisco and the bay area. He handled all of the routine activities of looking for a home well, but truly excelled as challenges arose. Due to events outside of our control, several complicated problems occurred. Jim was very helpful in gathering information on the issues and doing whatever was in his power to work through them. He also made difficult phone calls to all parties involved to manage logistics and emotions. With the help of his perseverance through challenges, Jim helped me secure the home that I am excited to live my new life in! I would definitely recommend Jim to anyone who is looking to buy a home.
I highly recommend Jim for your real estate needs. I think there are three critical factors in considering any adviser including a realtor. One is focusing on the clients’ best interests, which may be at odds with their personal interest (in the case of a realtor). Second, is knowledge of the real estate market. And lastly, providing insightful advice. I’m very impressed by how much Jim really cares about doing a good job and his focus on the clients’ interest, even above his own financial interest. I’ve found Jim’s understanding of the San Francisco market to be very good. And lastly, it was obvious as I started to strategize about a potential deal that Jim was very savvy in the negotiations process. He provided many valuable insights I hadn’t considered. Jim also provides great service, always getting back to me quickly even through late hours of the night. I’ve worked with several realtors and many professional advisers in general. You would do very well to use his services.
I would recommend Jim O'Neil because I found that he goes above and beyond in order to help the buyer and/or seller. Jim not only helped me to purchase our home back in 2009, but he also helped me sell our home in 2016. He listened to what we expected for the sale of our home, communicated with us often throughout the process, and really did a good job during the negotiating and contracting processes as well. I highly recommend Jim O'Neil and I sincerely thank him for his assistance.
I purchased by first and second homes with Jim's help. He also worked with my brother on his first home purchase, and we recommended him to a friend as well.
Jim is very communicative, positive, and responsive. He asks a lot of questions to understand my needs and takes the time to explain things, which is great if you're a first time homebuyer.
He also tends to be a little more cautious/conservative in his approach (especially during the offer/escrow period), which makes me feel that I can trust his guidance and the work that's done behind the scenes (very important when there are so many things that are out of your control when buying a home). My sense is that other agents can be overly aggressive. However, Jim is never pushy and he seems to have a good rapport with other agents, which is great.
There is a lot of information available online when you're searching for a home, and I found that Jim's perspective and assessment of comps helped round out our own findings.
We have worked with Jim on both purchases and sales of properties. He is an extremely hard worker, stays on top of the details and acts as a true advisor when it comes to making property decisions.
I am an overseas investor who is completely new to the uber-competitive San Francisco market. I found Jim O'Neil through a recommendation from a friend who also closed her purchase with Jim a few months ago. That turned out to be a very worthy recommendation.
As I'm completely new to the market, Jim didn't mind spending time with me to go through an elaborate presentation on a Sunday morning about different areas of the city, the specific dynamics of the property transactions in SF, and how to get prepared for making an offer. I never felt I needed to ask or chase Jim for things as he pretty much pre-empted most of the questions I had in mind.
Throughout the process, Jim was extremely responsive; you can guarantee his responses within minutes even at non-social hours. Jim was also a very detailed professional who identified a $200 error in a lengthy closing statement, which resulted in my direct savings. Finally, he made the process seamless and efficient by making use of electronic signatures, something I truly treasure as I was regularly out of town during the process.
Thanks to Jim in helping me achieve my US investment objectives. It all took 2 months. I have no reservations in recommending Jim to any keen property buyers.
Jim does not miss an opportunity in the SF Bay Area real estate market. His experience, professionalism, and dedication, provided a solid bid package within this competitive market.
My boyfriend and I recently bought our first home together and our experience could not have been better. It was surprisingly smooth and we attribute 100% of that to Jim. We first met Jim at an open house in the condo complex we were renting in. At the time, we were only very passively looking, but Jim gave us his full attention and treated us with the respect that most agents would only give to active buyers. He listened to what we wanted and sent us updates on listings we may be interested in, but knew to give us space until we reached out. When we were ready half a year later, we already knew there was only one agent we should call. We hit up Jim and he walked us through the entire process and explained every detail to us as many times as we needed.
Jim was highly professional throughout the entire time with lightning fast response times. Most important of all, he was someone we could trust and rely on. We never once had to follow up with Jim, because he was so on top of things and we went to him with all of our questions. I'm not sure there's someone out there better than Jim.
I already know that we will be going back to Jim when we are ready to purchase our second home.
Jim has been phenomenal to work with on my two SF condo sales. Worked hard from start to finish to get the properties sold at asking price. Very knowledgeable with the SF micro markets and will absolutely work with Jim again in the future.
I worked with Jim in buying my first home in one of the hottest locations in San Francisco in an extremely competitive market. To complicate my situation further, I was not actually living in San Francisco while shopping for my home. Jim was patient, diligent, and extremely informative throughout the buying process. Moreover, he was extremely accommodating to my situation. At one point he had arranged for me to continue the buying process while I was abroad in Liberia! Every listing that Jim knew I would be interested in, he would tour the home, take videos and photos with his phone and send them to me with candid and honest comments. When I decided to write my offer on my home, his input was invaluable. He was able to navigate the situation away from an aggressive multiple offers scenario using his relationships in the market. The entire process was done seamlessly through electronic documents and he accommodated my unique scenario every step of the way. Jim was patient with my comfort zone given it was my first time buying a home and never pressured me. I could not be more happy with my new home and can quite possible say that no agent other than Jim would probably have had the depth and breadth of experience for my buying situation.
We were so grateful to have Jim's help with our first home buying experience. The San Francisco real estate market is intimidating and expensive--and we were totally inexperienced. But Jim made it so much easier and more pleasant--from the moment we met him. He came to our house to meet us and explain how the house hunt works, and really guided us through every step of the process, from figuring out what we were interested in all the way through to signing the loan documents. He was always very available and patient with our questions. We really trusted that he wanted us to find the right place at the right price for our family--and he made it happen! His expertise and knowledge of the SF market was invaluable. We would definitely recommend him strongly to anyone buying a home in San Francisco.
– Emily and Andrew
My husband and I are new homeowners and received Jim's referral from a trusted friend. Though skeptical of real estate agents, we just didn't have enough experience to do it alone. From the start we knew Jim was a perfect fit. He was incredibly responsive, working at all hours of the day and night responding to our questions (inane or not) and educating us in a way that was informative and with our best intentions in mind. As soon as I would text him a property of interest, he contacted the agent and reviewed the disclosures. Never once did we feel pressured, and in fact Jim remained honest and upfront when he felt homes were overpriced, or when important issues were understated. His calm demeanor made the house hunt so enjoyable, and his attention to detail and extensive knowledge of the field was outstanding. He has been in the business long enough to know all the intricacies of home buying that escaped our understanding. Our offer was accepted after an initial offer fell through, and rather than advising a higher bid, he recommended sticking to the price that was comfortable for us, and we got the home! After Jim dropped off the keys, I sadly wondered if that was the last time we could call on his help, but have been happy to find that he remains a trusted friend, available for ongoing advice and support as we enjoy new homeownership!
– Monika and Neil
It was a great pleasure working with Jim. As first time homebuyers, Jim was very comprehensive, responsive and respectful throughout the process. In our initial meeting, we went in knowing very little about the process and came out feeling very comfortable about the process and our choice in a realtor. We looked initially in San Francisco, but felt more comfortable in the Peninsula and Jim was very accommodating in working outside of his main properties. To complicate the process, we were dealing with purchasing from Japan, which was then exacerbated by the earthquake/tsunami hitting a day before submitting our offer. Priorities shifted and communication lagged, but Jim was extremely helpful in keeping the talks going between the sellers and us. After we went into contract, Jim was a great resource from explaining the contract, liaising the home inspection, to closing the escrow.
Jim is a complete all-utility realtor, who is an absolute pleasure to work with. He is proactive in the process, but also very responsive. He made us feel like his priority, but without an overbearing feel. We have no hesitation in referring Jim to any of our friends and are confident they will also appreciate his pleasant and professional demeanor.
– Onozaki Family
Your outstanding effort was the reason my home sale was as quick as it was. Your attention to every detail along the way was very reassuring to me that all was being done to get to the closing. Thanks.
Jim O'Neil worked with us on the search for a new home and the sale of our loft. He was very patient and did not pressure us over the course of our year and a half long search. He adapted quickly and did not miss a step when our circumstances changed and the search parameters were overhauled almost entirely. When we finally found our new place and entered into contract he managed all the details and coordinated all the necessary inspections. He was very timely, ensuring that both parties stayed on schedule, making for an easy escrow and quick close. When we were ready to sell the loft he presented an excellent sales plan resulting in multiple offers and a pending contract almost immediately. His diligence continued and he drove the sale to a timely completion despite tremendously difficult buyers. End to end, he made the process easier with electronic documents and signatures combined with his extraordinarily personable and professional manner. We highly recommend Jim and will definitely work with him on any future real estate transactions.
– Regan and Todd
Jim was an amazing agent to work with. We met him over two years ago, and since then he's been extraordinarily patient with us through crazy sellers and offer processes. As a first time buyer, he always explained everything thoroughly and I felt like I was always armed with the right information. Jim was ALWAYS very prompt in following up and returning phone calls and emails. He's extremely professional at all times and we always felt like he had our best interest in mind, even if it meant he would be making less commission or walking away from a house completely. Jim's also a very strong negotiator and built good rapport with the agent on the other side.
After two years of looking, we finally closed on a home with Jim. It was definitely no fault of Jim's that we took so long, and his hard working manner and patience didn't change from day one, despite frustrating offer processes. He also displayed great flexibility as we switched from looking at condos to single family homes and switched locations we wanted to live in. I'll definitely be recommending Jim to my friends in the future!
– Gemmy and Karen
Jim O'Neil is the consummate professional. I've had the pleasure of knowing Jim for over 15 years and trust his judgment and diligence in handling my real estate matters. My transaction was very complex, and as a result of Jim's creativity, I was able to sell my property. He handled all aspects of the sales transactions with the buyers’ representatives and my banks. In all cases, he truly has your best interest at heart and will do all that is necessary to make the transaction as easy as possible. There are always obstacles, but Jim is relentless and will make you his #1 priority!
It was our privilege to have Mr. Jim O’Neil represent us as buyer's agent in our recent home purchase. Jim was a superb advisor, negotiator, and advocate for our interests. He always “went the extra mile,” even working through his vacation and through the Thanksgiving holiday to make sure that important deadlines were met. His experience with short sales was particularly important. We greatly appreciated his professionalism, positive attitude, and rapid response to questions and issues.
– Jim and Kathy
We wanted to write this commendation letter for our wonderful agent, Jim O'Neil. Jim was highly recommended to us by another friend a few years ago. We had a bad experience with another agent who was pushy, aggressive, impatient and only cared about closing any deal so she could get a commission. Jim, on the other hand, was patient, listened to our needs and really cared that he put us is in a great home. Although we have been working with Jim for a while, he never became frustrated if we weren't ready to buy and he never forgot about us---checking in periodically to give us an update on the market and meeting for coffee to find out if our needs had changed. When we were ready to buy a house, Jim was extremely responsive and with us every step of the way. He either came with us to see homes or obtained information and access to homes. He was also spot-on when it came to recommendations for offers or whether a home was priced too high or a great deal.
Our home was a short sale, and Jim's expertise and understanding of the process was integral to getting the deal done. He was persistent and aggressive with the listing agent, kept us apprised of the status, and provided a voice of reason when we would have otherwise lost our minds! He was also very proactive during the escrow period to help ensure that we closed on time. Jim is not just a great agent--we also consider him a friend. We cannot say enough positive things about Jim and have recommended him to anyone who is looking for an agent. Your office is lucky to have an agent of Jim's caliber.
Please do not hesitate to provide our name and contact information to anyone seeking a referral for Jim. We are more than happy to share our experience of working with him.
– Robin and Fergal
In my business I work with lots of people on a daily basis, I understand the value of great service and how hard it is to find it. Most people promise you the “best service” in order to get you to do business with them, but most of them don’t follow through and let you down. This is not the case with Jim O’Neil. I personally recommend him to anyone. His professional approach to business and follow through are impeccable - I truly enjoyed working with him. I looked for housing options in San Francisco but didn’t end up buying anything. However, he continued to provide great service even though he knew that at the moment there would be no financial benefit for him. That’s what I call … outstanding customer service.
Jim is the BEST! It was a pleasure having Jim represent me. Throughout the entire home buying process, I felt that Jim had my best interest in mind. He really listened to what I was looking for in a home. He was patient and never pressured me to look at or consider homes that did not meet all of my minimum requirements. Jim was always willing to and did go above and beyond in all aspects of the home search and buying process – from answering general questions, to following up with the seller’s agent, to scheduling viewings for the properties, to setting up the home inspection, ensuring that escrow ran smoothly, and being present at closing to answer any questions. I also appreciated his objectiveness and experienced opinions. Above all else, I really valued the fact that Jim was dependable and extremely responsive. I knew that if I had a question about something and Jim said he would find out the answer, he would without fail get back to me the same day. I never had to ask Jim twice! I highly recommend Jim and, in fact, anytime someone mentions to me that they are looking to buy or sell a home in the Bay Area I tell him/her that he/she MUST call Jim. If you are looking for a professional, diligent, responsive, reliable, and experienced agent, Jim is the only person to contact.
Having recently moved from New York, I purchased my first property in San Francisco in May 2011. Jim O'Neil was my broker from the beginning of my search process all the way to the close of the transaction. Although I disclosed that I was not looking to buy an apartment for at least one year, Jim was very patient and was always responsive to e-mails and questions. He also spent a lot of time with me in person to discuss the various city neighborhoods and was diligent in following up and took notes to ensure continuity of our conversations.
Jim was very thorough once we went into contract. He was responsive in getting back to me for my comments or concerns with the disclosure documents and accompanying paper work. He did a great job of managing my expectations, as well as helping me work to my timetable. He was very helpful with the negotiation process. Jim leaves you under no illusion that he wants to close and to do business. Instead of manifesting this in an overly "salesy" manner, Jim's attention and professional approach made me feel very comfortable with the process. This was a very big financial commitment for me, and one that I would have been less sure of taking where it not for the guidance I received from Jim.
I chose Jim after meeting 3 different real estate agents, and after setting up a challenging goal for my home purchase: get a livable single family house in a great neighborhood, small 3.5% down payment via FHA loan, with a low 30-year fixed rate loan with monthly payments that will be lower than my current rent.
I chose Jim O’Neil as I recognized his uncompromised professional approach and knowledge, undivided attention to my particular needs, along with an amicable, calming attitude that I expected to be valuable in the stressful moments that are an integrated part of every house purchase /loan approval. Jim did not fail to meet the highest expectations throughout the whole process: His thorough and detailed information-gathering led to locating great houses per my specific needs and goals. He worked in full coordination with a critical team member, a skillful loan broker that has completed many transactions with Jim previously. My lender and Jim worked in complete coordination towards a successful approval of my FHA loan. Jim conducted all the various inspections, documents, and coordination with the seller’s agent in a timely manner, including quick correspondence 24 hours 7 days a week.
This great FHA loan approved transaction was completed in less than a month, from initial offer to title and keys transfer, making me a very happy homeowner today. I will recommend Jim to my home-seeking friends in the future.
It was a great pleasure working with Jim. I was immediately impressed by his professionalism, promptness, and enthusiasm from our first meeting. I had planned to look for a condo and move in right away. Jim was able to work very fast and was able to show me some great listings right away within our almost unrealistic budget. He was very responsive and when something happened, he always stepped in and experience and found us the PERFECT first nest. Thank you so much Jim! You will be the first person I call when we are ready to buy again.
Thank you for ALL of your help in my home purchasing process. As you were probably well aware, it was a very stressful process for me since I was a 'first time home buyer'. I appreciate all the time and effort you spent helping me to get comfortable with the process, understand the process, and more importantly get through the process. I appreciate you taking me out to show me a variety of different places so I could make the best decision for me. I appreciate that, based on your experiences in this market, you were able to help me make a wise and aggressive offer that I was very pleased with. I will also say that I believe you went above and beyond my expectations as my Realtor by not only making sure everything went as smoothly as possible every step of the way, but also you were fantastic with my many questions and offering advice. You have been there for me even after the close of the sale to ensure I settle in. Not to mention I just genuinely enjoyed working with you on this little project of mine. Jim, thanks again - I absolutely could not have done it without you!
– Kelli P.
Jim's service was outstanding and completely exceeded my expectations. He is professional, knowledgeable, trustworthy, and goes far above and beyond to ensure his client's achieve their goals and find the perfect home. I would recommend Jim to any and all of my friends and colleagues.
Jim O'Neil was a wonderful real estate agent. He was very patient and, most of all, detailed and analytical in helping me navigate the San Francisco market and the process as a first time buyer.
I met Jim one day as I was looking at homes. I instantly liked his casual, yet business-like style. He gave me his card and I started looking at homes with him. After a few months, I decided to stop looking for the time-being due to work and time constraints. I didn't feel pressured at all by Jim despite the amount of time we had already spent together. Several months later, I called Jim and we started looking at homes again. He spent a great deal of time looking for appropriate homes for me, even as I kept changing my desires and price range. One day he took me to see a condominium in a part of town that I wasn't even interested in. Yet, the price and size and location all ended up being perfect for my family and me. I bought this place and am extremely happy with the purchase. As a first-time homebuyer, Jim walked me through every step of the process and answered all my questions. His knowledge, patience, hard work, and personal style make him an excellent realtor; I highly recommend him to those looking to buy homes.
We would like to thank Jim O’Neil for advising us on the purchase of our first home. I’ve known Jim since his days as a management consultant and have always been impressed by his professionalism and results-oriented approach. From our initial meeting to the final document signing, Jim was actively involved and always available to answer questions and provide guidance on all events associated with the transaction. During the search process, Jim was very attentive and didn’t try to sway us towards anything that didn’t meet our criteria. After looking at a few properties that resulted in limited success, Jim suggested we take a look at a unit in a TIC building that had recently become available. Although we had initially told Jim we weren’t interested in TICs, he explained that it met everything in our criteria (price range, location, parking, updated kitchen & bathroom) and we should just see what we think. At no time did we feel like he was being pushy or overbearing. After seeing the property and discussing the pros and cons of TICs with Jim, we decided to make an offer. He spent a lot of time walking us through all of the details of the offer package and making sure we felt comfortable with our decision. Once our offer was accepted, the sellers arranged a meeting to give the buyers a chance to meet and greet one another. Before the meeting, Jim prepared a list of important questions and discussion topics that we should cover at the meeting in order to get comfortable with the other buyers. Jim was the only buyer's agent that attended the initial meeting and served as a moderator by making sure the discussion stayed on track and all-important points were covered. In order to keep things moving ahead smoothly, Jim assumed the leadership role amongst the other buyers’ agents. He was at the inspection (again the only buyer’s agent to attend) and took a lead role in the negotiations between all of the buyers and the sellers. As part of his conscientious follow-up, he called the escrow officer to make sure of the communication effort on the close of escrow and ensured that the close occurred as scheduled. This turned out to be fortunate as there was a miscommunication between the escrow officer and loan officer as to which day the transaction was supposed to close. In conclusion, I think Jim showed that he is proactive, responsive, and easy to work with; kept us informed at all steps of the transaction, helped us learn about the TIC process, and helped us in any way he could. We would certainly recommend Jim to any of our friends who are thinking of buying or selling a home.
– Jeff and Marcie
I want to thank you for all your hard work on helping me find a home. It was a pleasure working with you! I appreciated your patience, and more importantly, your detailed knowledge of the market and the contracts. As a first time homebuyer, this process was stressful - having you guide me through it was invaluable. I would be happy to serve as a reference for you anytime. And, I absolutely love the place!
My sincere thanks to you for the problem-free and professional way you handled my recent sale. It makes me feel good about my ability as a character judge that I chose you because of your academic background and community spirit, and was proven correct! Several other residents of my building commented on your clear, honest communications and the efficient way you conducted the open houses and showings. I also appreciate the precisely organized and complete file you provided me at the conclusion of the transaction. I will heartily recommend you to anyone I know who is considering buying or selling real estate. Best wishes to you!
My experience with Jim O'Neil was exceptional. He is extremely professional, reliable and helpful. Equally important, his knowledge of the real estate market, particularly in San Francisco, is tremendous. Unlike many other brokers I have worked with in the past, Jim is patient and works diligently to help you find what YOU are looking for rather than simply steering you in a direction that is not really in your best interest. I can, without any hesitation, highly recommend Jim to others in the San Francisco area.
We want to express our gratitude for all your help and your professionalism with the purchase of our dream house. We are extremely happy and ready to build a life and a family in the house that we never thought we could have. Through all the bumps and turbulence of being involved in a probate sale, you were consistently there for us, giving us not only professional knowledge but hope and emotional support. No matter the day or the time, you always answered our questions. You didn't make us feel like just another sale, and that is what we value and appreciate. If you ever have a doubt about your profession, don't. We couldn't have hope for a more knowledgeable, or a more honest realtor then you, Jim. We highly recommend you to anyone that wants to or is just thinking about purchasing a home. Please feel free to use us as a reference, as we already sing your praise to anyone who mentions purchasing a house.
– Ginger and Mariano