Banamex USA is an FDIC insured U.S. bank, has been operating in the United States for more than 40 years and has been the US business arm of Banamex for more than 30 years. This affiliation gives Banamex USA a unique insight into the banking needs of this market. For example, clients of Banamex and Banamex USA are not subject to operation fees for transfers between accounts, whether savings or checking, nor for fund transfers. They can make payments to their Banamex USA credit cards and cash checks in dollars or at preferential exchange rates in pesos at Banamex branches in Mexico.

Banamex USA has branches throughout the Los Angeles metropolitan area which offer unique products and services to the Southern California community. In addition, there are other branches in California in San Diego, Calexico and soon in Chula Vista and Otay Mesa. In Texas there are branches in El Paso, McAllen and Houston, and soon also in Brownsville, Laredo and San Antonio. And in Arizona, there are branches in Nogales and soon in Tucson.

All Banamex USA branches have ATMs that allow access to accounts 24 hours a day, seven days a week.
These characteristics have allowed Banamex USA to develop a unique niche uniquely suited to adapting to the needs of individuals and companies that require integrated banking services on both sides of the border.

The Banamex USA branches are an example of service and personalized attention to serve the community more closely and offer traditional banking and financial products, as well as some exclusive ones: Fully bilingual service for all customer interactions, since all branch personnel at Banamex USA are completely bilingual, along with all customer communications (account statements, website, customer service representatives, etc.). This key point is especially important for all those who, regardless of their country of origin, prefer to use Spanish for their banking transactions or whose native language or communication preference is Spanish.

A Vast ATM Network including ATMs located at Banamex USA and Citibank branches, as well as at every one of the many 7-Eleven stores,where customers can make withdrawals with no fees in the United States.
Furthermore, customers have access to more than 5,800 Banamex ATMs in Mexico, with no fees for withdrawals or other transactions.

Additionally, Banamex USA customers will have access to more than 7,000 payment points in Mexico for remittances to relatives or friends with most payment locations being available any day of the week, including Saturdays and Sundays and in some cases, within 24 hours without additional cost. In short, the philosophy of Banamex USA is to put services specifically designed to serve customers in all of their banking and financial needs close at hand.

Branches in the Los Angeles metropolitan area are located in the cities of Santa Clarita, Burbank, Ontario, Reseda, La Habra, Laguna Niguel, Garden Grove, Montebello, Chino, Los Angeles and Anaheim. Between the months of May and August, each branch will host events with all of the Chivas USA players, who will be signing autographs for the public.

www.banamexusa.com

If you’re thinking now of selling your home in the spring, then this may be the right time to shop for a motivated professional listing agent.  Spring is just around the corner, and the “green shoots” of a recovering economy are pushing their way into the light.  With knowledge of the coming recovery and with home prices and interest rates low, people become more confident of their personal finances.  These potential purchasers, many who have deferred home purchases, should soon return to the market in search of properties. 

 
Start with a good agent

One of the first actions to take is looking for an agent to work with.  There are many agents to choose from, and it’s necessary for the prudent seller to speak to more than one agent.  A good agent who is compatible with you, reasonable expectations, and a properly priced home will usually bring results at or near market value.

Get recommendations from friends and neighbors or call a local real estate sales office.  Once you have a name or an appointment to meet someone, prepare yourself to meet the agent.  This is the time to ask about experience, neighborhood knowledge, and to establish a relationship.  The agent in turn, will ask questions about you, your reason to sell, and about your home.  After a successful interview you should feel comfortable and have confidence that he or she will perform for you.

What about Uncle Harry? He’s an Agent

Uncle Harry should be interviewed, too.  Uncle Harry may be the perfect choice, or he may be a nightmare waiting to happen.  The agent you select is representing you, and since you are paying the commission, it’s reasonable to expect sound advice and the proper level of service to market your home.  If Uncle Harry just got his license, or works only two days a month as a part time agent, you will probably be more successful listing your home with someone else.  Just be aware that once you sign a listing agreement you and your home will be tied to an agent and company for the duration of the listing.

What’s my home worth?

Ask for a market analysis as part of the interview or follow up to the interview.  A market analysis is where the agent provides you with sales information for your neighborhood.  You’ll see homes similar in size and style to yours that have recently sold, along with the asking and selling price.  You’ll see the time it took to sell the homes.  You may ask questions, like the directional trend of the market.  Discuss what’s selling in the neighborhood, and what listings are currently active.  Arrange to make trips to other homes that are for sale.  This would also be a good time to discuss the strategy the agent intends to use in the marketing of your house.  

As a seller, you must be ready to place your home on the market when the most motivated house hunters begin to reenter the market.  Whether from pent up demand or the thought that prices are at the bottom and will rise, there should be a good number of buyers available to look at your home, and it should receive a number of potential customers if you and your agent market it correctly.  The Market Analysis will help you correctly price your home.

What will it cost to sell my home?

The commission is often negotiable, and sometimes discounted by company policy.  Generally a 6% fee is charged against your final sales price.  It’s real money, even though you probably will only see it as a number in a settlement statement at the escrow office.  Commission dollars are not all for the Listing Agent.  The funds are split between the Selling Agent, the Listing Agent, and the offices they are affiliated with.

Remember:

• Interview several agents.
• Get recommendations from neighbors or friends
• Call your local Real Estate office to ask for a market analysis
• It doesn’t cost anything except time, and it’s educational
• The agent who helps you sell you home is your “partner” in the transaction.
• You both have responsibilities.
• You must both remain motivated.
• Always ask questions if you are confused or unsure about any detail of the transaction or selling process.
• Being confused is normal, don’t be embarrassed. Selling a house is something you do only a couple of times in your   life, so you will have questions

Have reasonable expectations

• Overpricing your home may adversely affect the listing
• “Dirty” and “Broken” doesn’t sell well unless you price it into the home
• That means discounting your home
• Dirty and Broken homes are often ignored
• Fixing the “dirty” and “broken” in your home usually is inexpensive and often requires just a little time and effort.

And finally, remember that agents talk to other agents and pass the word if a home is nicely presented.