Home Buying Guide

Buying your new home can be an exciting adventure! Our home buying guide will help you understand the process – from steps you should take at the beginning through closing on your new home. While there are a lot of details involved, taking the right steps and making informed decisions will make your purchase go smoothly as possible.

Define Your Goals

Before beginning your home search, make sure to have clearly set goals: desired neighborhoods, type of home, must-have amenities, etc. As you get into the market, you may need to be flexible on some of these requirements, but starting with a best-case list will be helpful.

 

 

Examine Your Finances

Before purchasing a home, it’s important to make sure you have your finances under control – make a detailed budget and ensure that you have savings and reserves in place to support your home purchasing goals.

Get Pre-Approved

Call several mortgage lenders – you’ll find differences in rates, fees, and customer service. Finding the right mortgage lender is important. Check reviews as well to make sure you’re choosing someone with a track record of satisfied borrowers.

Pre-approval is a good idea at this stage – you’ll have more power as you submit offers and negotiate with sellers if you are already approved for a mortgage. Use estimated closing costs to validate you have enough money set aside for this process.

Hire a Real Estate Professional

Take some time to do some research here!

By this point, you have a good grasp of the type of property you’re looking for and the purchase price you can afford. Interview several agents to find someone who regularly sells similar homes. Again, look for social proof and check out reviews. If you’re shopping with a spouse, make sure both of you agree on the agent. Home-buying can be a storm and you want a good captain that you’ll both trust!

Search for Homes

Work with your agent to search homes that meet your goals and criteria. You’ll also want to make sure you view homes in person – pictures are awesome, but can sometimes be misleading! Don’t get frustrated if you don’t find a home immediately – each showing gives you a chance to learn more about what you can get in your area at your price point. You’ll find a place to call home.

Make an Offer and Negotiate

Once you’ve found the home you’d like to buy, it’s time to make an offer. Here’s where a good agent earns their money – showing you the home is the easy part. Shepherding you through offer and closing is where great agents shine!

Sellers can counter your offer, inspections can reveal possible repairs, and you can suddenly find your budget at risk and maybe even question if this is the right home for you. Above all, stay calm and continue to communicate with everyone involved. Check your budget, your emotions, and your buying partner to make the next right steps.

Secure Your Financing

You’re almost there – remember, your lender wants to ensure that this is a good move for everyone, so they may ask for more information about income, the condition of the house, or your credit history. Providing accurate and timely responses keeps the process moving and gets you to your desired outcome the fastest.

Close the Deal

The timing for closing can vary, but the average is 45 days. Typically, within 48 hours prior to closing, you’ll do a final walk-through to check that all agreed-to repairs are completed and that the home is in the expected condition.

You can expect to meet with your lender and agent to finalize the paperwork. There may also be attorneys present, the seller’s agent, a representative from the title company, and the designated closing agent. During the closing all paperwork will be finalized, including: the deed, title, financial/funding, closing statements, insurance, contract, etc.

At this point, you’re done with everything and you will be ready to move into your new home!!

Home Buyer Guide Infographic

DOWNLOAD OUR My First Home Down Payment and Closing Cost Assistance Program Handbook 

Working With The Team at HomesinSDCounty to assist you in buying or Selling Your San Diego County, CA Home Will Be A Quick, Efficient And Simple Process

As One of the more trusted real estate brokers in San Diego County, CA Area, our mission is to help you make Your home buying or selling process easier, while keeping more of your hard-earned equity in your pocket.

From start to finish we take care of everything so you can live your life while we worry about the details.

Our Job as YOUR Realtor is to make sure YOUR Purchase or Sale and Transaction is Legal, and the home and all aspects of the purchase or sale and transaction is safe.
As your realtor our goal is to be there to make sure that there are no major issues in your new home, your sale, or your purchase transaction.
And most importantly we are there to bring you the most profit and value as possible to you, our valued clients.

The most important thing that a Real Estate Agent Does every day? The one thing we enjoy and appreciate –

We make Dreams come true for our clients 

Have Questions? 

Connect With Us! 

Buy or Sell – Our pledge is to make your Real Estate dreams come true

Real estate can be a complex and ever-changing industry, which is why the team at www.homesinsdcounty.com  is committed to staying informed and up-to-date on the latest market trends and innovative strategies. Whether you’re looking to buy your dream home or sell for top dollar, we can provide you with the knowledge, expertise, and support you need to achieve your goals.

Ready to buy or sell a property? Don’t navigate the maze alone – give us a call today and let us guide you every step of the way. Don’t wait, contact us today! 🏠👍

From start to finish we take care of everything so you can live your life while we worry about the details.

  • As your Realtor, we aim to guide you through a purchase or sale transaction that is both legally compliant and safe for all parties involved. Your security and satisfaction are our top priorities.
  • Our commitment as your Realtor is to help mitigate any major issues that may arise in your new home, sale, or purchase transaction. We’re here to ensure a smooth process and address any concerns along the way.
  • Most importantly, we are committed to maximizing the profit and value for our valued clients, ensuring that you receive the best possible outcome.

The most important thing that a Real Estate Agent Does every day? The one thing we enjoy and appreciate –

We make Dreams come true for our clients 🙂

We are also here to help you with any questions or needs you may have in any City or State in the USA. We work with an Amazing Team of Agents throughout the USA and Globally – We Can connect you with a reliable member of our National network if you need one.

If you have friends, family or neighbors who are considering buying or selling a home, we at HomesinSDCounty would love to assist them. And please don’t hesitate to call me if there’s anything we can do for you!

Homes in San Diego – Find Local San Diego houses and Real Estate for Sale or Rent- Homes in San Diego County |Coldwell Banker Realty – Your Premiere Neighborhood SD San Diego Real Estate Source and Coldwell Banker Realtor

Please speak to a professional mortgage broker to get more accurate info based upon your personal finances…. Contact us if you need a connection for a Great mortgage Broker

bmattonenrealtor@gmail.com

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