Considering Buying a Home
We're excited that you're here and thinking of purchasing a new home!
I love real estate as well as the excitement and emotion that goes along with it. The buying process can be a tremendous amount of really, rewarding fun. Deciding to buy, getting approved to purchase, seeing homes, making that first offer, and hearing the words "your offer was accepted" are all exciting and important aspects to the process. I am looking forward to making this all a reality for you. Before you start driving around neighborhoods and calling phone numbers on For Sale signs, it is very important to understand that home buying is not a simple process and really does require the support of a professional Broker/agent to help the process move along smoothly and thoroughly.
Be prepared
First things first, if you are considering buying a home, seriously make the commitment that you're ready to buy. Properties that come on the market are gone as soon as they come on. Buyers and their respective Broker must be prepared and ready to strike quickly without hesitation to make sure they don't lose that PERFECT home.
Choosing your Broker/Agent
Buyer's agents are paid by the seller, traditionally, in real estate transactions. So, for the most part "COST" is not a concern when choosing your Broker to represent you on the buying side of a transaction. The truth is, COST could be exactly what you are going to be considering if you choose the wrong agent under this belief. There are so many hidden areas of the home buying process that must be carefully considered and explored to ensure COSTLY items don't surprise you during, at, or after closing. Make sure your agent is an expert with knowing the real estate process and demonstrates the utmost professionalism, and you will save yourself headaches and MONEY!
Choosing your lender and getting you approval letter
In any market, it is vital that prior to getting your offer accepted, you need TO HAVE AN APPROVAL LETTER READY RIGHT AWAY! Each method of purchase has its own structured offering method behind it. Whether you are 'All cash', Conventional, FHA, VA, or USDA, we will require proof of its validity to be prepared to search for homes. If you are actively seeking financing and need to contact a lender we have an amazing and extremely knowledgeable team that will help you obtain your approval letter which you will need to start making offers right away.
PREPARE THESE ITEMS AND SEND THEM TO YOUR LENDER FOR REVIEW:
2 years of W2s and federal tax returns
1 month current pay stubs
2 months current bank statements (all pages for all asset accounts)
If a homeowner - current mortgage statement, hazard insurance Declaration page, and property tax bill
If renting - rental agreement
Listed below are a few lenders we love working with:
David Boliard - Coastal Pacific Mortgage
Office: (916) 844-1292
www.cpmbankers.com
John Ussery - Finance of America Mortgage
Office: (916) 223-1003
http://www.foamortgage.com/jussery
Brian Barnes - Primary Residential Mortgage, Inc.
Office: (916) 735-0300
www.fhaking.com
Now for the Home Search...
This is where it gets exciting! Let's go shopping! I have so many exclusive tools we can share with our clients to help them view homes that fit their exact criteria! Together we will determine what that perfect home would look and feel like. Start with the home search tool located at the top of this web page. I can tailor a search that finds exactly what you are looking for as well. Contact me and I will get you set up right away!
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