My wife and I just purchased a home during what is probably the most challenging time to purchase a home during my lifetime of more than 50 years. As first-time homebuyers, using FHA financing, my wife and I were at a severe competitive disadvantage as we did not have the ability to make a 100% cash offer, or even an offer attached to a conventional loan. The 8 month process was emotionally grueling for us both, viewing 50+ homes with our agent throughout San Diego County including: Fallbrook, Escondido, San Marcos, Vista, Lakeside, Alpine, and Santee. The process ended with success when our offer #9 was accepted, and we are now living in a home that my wife and I could not be more proud of in Escondido. The #1 reason we were able to have success was our real-estate agent Pam Fraser. Pam worked tirelessly for 8 months to guide us through the process, viewing every property with us, leading to 9 offers, two counter-offers, and one accepted offer for a house my wife and I are proud to call our home in Escondido. Pam was recommended to me as a realtor from a friend who was also looking to purchase a new home. I was told that she had many years of experience throughout San Diego County, and would be quite helpful to us in putting competitive offers together during a very difficult time to purchase a first home. After having my first call with Pam, it was clear that she was the realtor that I wanted by our side through what was to become an extremely challenging journey. I could sense she had a very good handle on the current situation, and that she was going to do her best to help my wife and I find the best house to meet our needs, while ensuring that we only made responsible offers, and not get caught-up in the current market hysteria. Throughout the process, I was always so thankful that Pam was on our side of the offer/negotiation process. I had no doubts that in any negotiating process between our agent and the sellers, she was more prepared. Many times throughout the process, we would enter a home with Pam that had been on the market for less than 3 days, had multiple offers above asking, and if we were interested would need to make an offer within 24-48 hours. We worked with Pam many nights and weekends, to meet these deadlines using her creativity, and understanding of the market to make highly competitive, RESPONSIBLE offers. Many other buyers were not only paying significantly above asking, but were also waiving contingencies such as home appraisals and home inspections. Pam made sure we were not making those concessions, but rather using finding other ways to be competitive. And, on offer #9 that philosophy not only paid off for us, but now my wife and I can sleep at night knowing that we purchased a quality home, in a great location, with the features we wanted, without having to cross a line we were uncomfortable crossing. Pam was always there for us when we needed her, and I often commented to my wife that Pam is probably the hardest-working person I know. Additionally, she not only led us through a very quick closing process with its own challenges, she has also given great advice and recommendations in making some minor repairs on the home during our first month here. I cannot think of anything else that Pam could have done for us, or anything that she could have done better. My wife and I whole-heartedly recommend her to friends and family. I also owe a huge thank you to that friend that recommended Pam to me 8 months ago. That may be one of the most impactful recommendations I have ever received.