BUYER FAQ'S & PROPERTY SEARCH
HOW WILL I KNOW IF I'M READY TO BUY A HOME?
Beyond savings for a downpayment and closing costs. You won't know until you speak with us to determine if you are "ready". Readiness is determined by your savings, your loan approval amount, and if you are personally happy with your numbers. Furthermore, we always tell our clients, the right time is the time that makes the most sense for you and your family.
WHAT IS THE MINIMUM DOWNPAYMENT I COULD USE TO BUY A HOME?
For an FHA Loan - 3.5%
For a Conventional Loan technically it's 3%, but we would not recommend this. The industry standard for a conventional loan is 5%.
WHAT IS A MORTGAGE?
A mortgage is a type of loan to finance a property. The majority of people are not wealthy enough to purchase a house in total. Thus, a mortgage serves as a secure loan that comes with a fixed interest rate and gets paid off over 15 or 30 years.
DO I NEED A REAL ESTATE LAWYER TO BUY IN CALIFORNIA?
No, in Calfornia you do not need a real estate attorney to buy a property. The only time an attorney would be necessary in real estate is for litigation purposes and when forming a living will or trust.
HOW MUCH DOES IT COST TO USE A REALTOR TO BUY A HOUSE?
It doesn't cost buyers a thing to use a realtor's service to buy a home. YUP! As a realtor for a buyer, we are compensated for our services through the listing agent.
HOW DO I KNOW HOW TO SUBMIT AN OFFER?
That is what we are here for, we will prepare you for this when the time comes. In order to submit an offer we need your pre-approval letter, proof of your downpayment, and a purchase contract which is what we prepare!
There are two options here, you can request a list of properties two ways:
1. Through the "Book a Consult Call" Button Below
2. Through filling out the "Search Registration" Below
Both of these forms get to us and provide the same information. The first option gives you the chance to book an exact date and time to meet in person or virtually. The second option just requests the properties and starts an open dialogue about your home goals.