For Home Buyers
Buying a home is an exciting process! Making the smart move of choosing an experienced REALTOR® is your first step to ensuring that your new home in San Diego meets your needs. I grew up in San Diego and know the neighborhoods as only a local can. With insider's knowledge,I can help you find the area where you will be most happy. I utilize state of the art technology and give you complete access to the best home finding tools. My extensive network of trusted providers can help you in all aspects of the buying process, from finding the best loan to inspecting every detail of your prospective home. For your convenience, I also provide listings by email. My business is built upon referrals from satisfied clients and their friends, and I hope you'll come to understand why.
- Assure that you see all the properties in the area that meet your criteria.
- Guide you through the entire home buying process, from finding homes to look at, to getting the best financing, getting inspections and disclosures, and successfully closing escrow.
- Make sure you don't pay too much for your new home and help you avoid costly mistakes.
- Answer all of your questions about the San Diego real estate market, including schools, neighborhoods, the local economy, and more.
- Check your credit rating. Straighten out any errors before its too late.
- Determine a comfortable monthly budget for your new purchase, including down payment and monthly payment.
- Find a loan program that meets your needs and get pre-qualified (preferably pre-approved).
- Choose a REALTOR® that you trust and who understands your needs.
- Determine what neighborhood best matches your needs.
- Identify important features you need your new home to have.
Things to Avoid When Buying a Home
- Don't move any money around between accounts until you speak with a loan officer.
- Don't make any major purchases of any kind, such as buying a car or expensive electronics. This can adversely affect your credit and lower the purchase price you can afford.
- If you are considering a change to self-employment before buying a new home, don’t do it. Buy the home first.
- Lender fees include charges for loan processing, underwriting, preparation and establishing an escrow account.
- Third-party fees include charges for insurance, title search, and other inspections such as termites.
- Government fees include deed recording and state & local mortgage taxes.
- Escrow and interest fees include homeowner's insurance, loan interest, real estate taxes, and occasionally private mortgage insurance.