Buying a Home

Buying A Home

We understand that buying a home can seem like a daunting process if you have never experienced it before.

Learning about how it works is the best way to get over that feeling. The first thing to do is to look at your overall situation and figure out if owning a home is the best decision for you. Let’s find out by learning about the process.

Checking Your Credit

You might need a loan to buy a home and checking your credit score will give you a better idea of what kind of loan you can will qualify for. Credit scores range from a 300 to 850. It is important to make sure that there are no mistakes on your credit report, and if there are, dispute them so that they can be removed.

How Much You Can Afford?

You can start with a mortgage calculator to help you calculate what the monthly payment is going to be. There are costs to factor in such as your down payment, closing costs, and fees. There are many programs available that will give you flexibility with the down payment. A home loan expert can help you navigate through that part of the process so that you have a clear understanding of all the costs.

Necessary Documents to Pre-qualify

Having all the necessary documents with you will help speed up the process. The following documents are necessary to pre-qualify:

  1. 4 most recent pay stubs
  2. Last 2 years of W-2 on all jobs
  3. Name and phone of landlord
  4. Social Security Card (Copy)
  5. Driver’s License (Copy)
  6. Bank Statements (Last 2 Months)

Find A Real Estate Agent That Fits Your Needs

A professional real estate agent that you feel comfortable with is key to make sure you are able to achieve the best results. They can help you communicate with your lender so that everyone is on the same page. We have a large team of agents with different areas of expertise and can find the right agent to fit your needs.

The right real estate agent will then guide you through the rest of the process.

  • Help you search for your dream home.
  • Make offers on that dream home.
  • Work with the lender to help you get the proper mortgage.
  • Take care of all the transaction details
  • Negotiate the best price for you
  • Close the transaction

Then you can move-in and be a happy homeowner!

Questions about the process? Contact us by using one of the online forms or give us a call at (562) 861-0056.