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Once the agreement is signed, the buyer’s agent has a duty to educate the client. The agreement confirms your REALTOR®’s commitment to making the best effort for you by promoting and protecting your interest at all times. This means that your REALTOR® can now advise you of any defaults in the property; defaults which may even cause you to reject the home in favour of something more suitable. REALTORS®must give priority access to their clients and are obligated to use techniques and strategies that help advance the position of their clients.
The Tash Team
The Tash Team
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Home Inspections
Some examples of common inspections are:
Many companies specialize in only one area of inspection, and others will group several together and offer a package price. Whichever route you go, assure yourself you’re getting the inspections you need. Many can be found in the yellow pages or your Real Estate Professional can provide a list of several of each to choose from.
Homeowners Insurance & Types
There are three types of homeowner’s policies to choose from. A clear understanding of the coverage each type offers will help you select the right policy for your needs. Each type carries a deductible amount you select.
Some of these policies offer optional guaranteed replacement cost coverage on your home and its contents. Replacement cost coverage will pay to rebuild your home and replace its contents with no depreciation coming into play. It is important to understand that the replacement value of your home is based on your insurance company’s estimate of the cost to rebuild your home on your property. It is not based on the purchase or appraised value of the home. Most policies have a built-in annual increase of replacement cost coverage.
Reducing Premiums
Title Insurance
Because lender’s insurance expires when the mortgage is repaid, you may benefit from the second form of title insurance known as an owner’s title policy. It usually is written for the amount of the purchase price of the home. This protection starts the day of the closing and lasts as long as you or your heirs retain an interest in the property.
Unlike other insurance premiums, your title insurance premium is paid only once, at the closing. By purchasing owner’s and lender’s protection simultaneously, substantial savings in title insurance premiums can be realized. After all fees have been paid and documents signed and notarized at the closing, you will receive a copy of each and, most importantly, title to your house.
Betty Toroyan Tashakorian
Luxury Specialist and Team Lead
DRE# 01403832
Betty Toroyan brings more than 20 years of experience in residential sales to the team. Guided by a sense of responsibility to her clients, Betty leverages her tireless work ethic, marketing skills and knowledge of interior design to provide her buyers and sellers with a superior standard of support and service.
A lifelong fascination with home décor and interior design motivated Betty to pursue a career in real estate. Drawing from the time she spent working with top designers such as Gianni Versace and Tom Ford, she helps her sellers maximize their homes’ aesthetic appeal and helps her buyers visualize the potential of specific properties.
Betty has successfully combined these skills with her attention to detail and focus on developing comprehensive marketing plans. By utilizing professional photographers and implementing sweeping advertising campaigns across the most widely read print and online destinations, she delivers high sale prices for her sellers.
Having studied International Law, Betty is adept at contract negotiations and highly skilled at working with people of differing cultural backgrounds. An active board member for the French American Women’s Club and a member of the Women’s Council of Realtors, she is committed to give back to the community where she works and lives with her twin daughters.
Caroline Nonnenmacher
Licensed Real Estate Assistant and Marketing Coordinator
DRE #02098819
Marketing Innovator with a Sales Mindset, Caroline manages all marketing programs for the Tash Team’s portfolio across the La Jolla and San Diego markets.
Caroline has comprehensive knowledge in creating and implementing marketing programs for brands and businesses across several high-growth industries – including fashion, marketing technology and real estate.
Originally from Brazil, Caroline has been a La Jolla resident for over 16 years and is fluent in English, Portuguese and Spanish. She earned a B.A. degree in International Business with a minor in Spanish from San Diego State University and went on to receive an MBA in Finance. As a licensed real estate sales agent, Caroline brings an extensive level of market knowledge and marketing expertise, for both La Jolla and San Diego, to the Tash Team’s portfolio.
Zach Albence
Real Estate Agent
DRE# 02239555
Connecting Clients with Their Dream Home in La Jolla and Beyond Born and raised in La Jolla, Zach Albence brings a deep-rooted passion for San Diego and a wealth of experience to the world of real estate. After earning his degree with honors in Finance with minors in Entrepreneurship and Real Estate from Santa Clara University, Zach returned to his hometown with a mission: to help clients find their perfect home while leveraging his unique background and local expertise.
Zach’s real estate journey was formed by his early exposure to estate planning and real estate, thanks to his father, a distinguished local trust and estates attorney. From a young age, Zach was involved in the intricacies of important contracts while working as a law clerk in high school and during college summers, giving him a solid foundation in managing smooth and successful transactions. This experience, combined with his lifelong interest in interior design, architecture and real estate allows Zach to offer clients invaluable insight into how to maximize the value of their homes, with a unique understanding of location value.
Whether a client is buying or selling, Zach understands real estate decisions are significant milestones. His dedication to providing exceptional customer service comes from years of experience obtained while giving aquatic tours of La Jolla’s coastline in big surf or serving as a notary public for estate transactions during his formative years. Zach ensures every client feels confident and supported throughout the process.
Outside of work, Zach is deeply committed to his community helping organize local events, participating in beach cleanups, and competing in golf tournaments. He’s always looking for ways to give back to the place he calls home. An avid surfer and former nationally ranked freestyle skier, Zach enjoys staying active and connecting with people through his passions. Client’s of Zach, gain a caring, dedicated advocate who knows San Diego real estate intimately and offers each the opportunity to make the best possible real estate decision for their future.
Soraya Baloyan
Sales Associate
DRE# 01267643
Motivated by a sense of responsibility to her buyers and sellers, Soraya Baloyan is known for her diligence and professionalism. A specialist in residential real estate since 2000, Soraya has excelled by leveraging her proficiency with negotiating and talent for marketing, as well as her ability to help her clients achieve their goals, regardless of market conditions.
The results speak for themselves. Soraya earned the Chairman circle gold award for her sales in 2015, ranking her in the top seven percent of more than 50,000 Berkshire Hathaway agents nationwide. She was also honored with a Certificate of Appreciation from The Charitable Foundation, in recognition of her ongoing support for the comunity.
Soraya is known for providing her clients with concise, thorough information and believes her success has been a result of her straightforward approach, follow through and focus on evaluating each transaction.
Ozstar De Jourday
Sales Associate
DRE# 00625377
With his trademark smile, record-breaking sales, and soul surfer personality, Ozstar De Jourday has become a staple of the La Jolla real estate scene.
A native Californian, Ozstar has established himself as an industry visionary, having facilitated multiple high dollar sales including the $75 million dollar sale in the La Jolla luxury MDU market. HIs commitment to excellence and discretion has made him a valuable member of the Tash Team.
Outside of Real Estate, Ozstar enjoys spending time with his children, surfing the beautiful California coast lines and hiking.
“I love La Jolla and would not ever live anywhere else in this world, and I have Traveled enough to know.” Ozstar De Jourday
Robin De Jourday
Sales Associate
DRE# 01425493
Originally from Sacramento, Robin De Jourday has loved seeing the expansion of La Jolla over the past 24 years. Her booming transactions in short-term luxury rentals gave her a significant precedence in La Jolla real estate early in her career. Robin understands the desire to build tangible wealth and will strategically illustrate you the value of working with a member of the Tash Team. Her wish is to make your transaction process “short and sweet”.
As former Vice President of the Windansea Surf Club in La Jolla, Robin immerses herself in community events such as coordinating volunteers for the San Diego Kiwanis Club Foundation. Robin loves La Jolla’s easy access to local community amenities
that allows her to connect with her neighborhood organically.
In her spare time, you’ll find Robin at Windansea beach strolling through the sand or walking her Rottweiler with her husband and grandkids.
Emma De Jourday
Sales Associate
DRE# 02186718
Whitney Cochrane
Sales Associate
DRE#02208612
Whitney’s expertise is in hospitality. As a guest service specialist at a local vacation rental company and a part owner and operator at a local restaurant, she excels in customer service, organization, and prioritization. She has also worked as her mother’s real estate assistant and transaction coordinator. With over a decade of experience in the industry, she is excited to continue advancing in her career.
Her innate ability to engage and connect with people is truly remarkable. Her clear, respectful, and professional communication style makes her a valuable asset to any team. Whitney works hard and diligently to ensure that her clients feel supported, encouraged, and understood before, during, and after the transaction.
Outside of work, you can often find Whitney in nature—whether in the ocean, exploring tide pools, at parks, or on bike rides and walks along the bay with her husband and son.
Whitney has also been teaching yoga for over six years, which helps her stay mindful and connect with her community. Just as she guides her students into poses, let her guide you… home!