When you work with me, I will guide you through every step of the way—a few of which are described below:

  • Get pre-approved for a loan if you need one
    • Sellers and agents will only take you seriously if you have a pre-approval letter in hand. This will be the first thing they will ask of you, and it’s the the best way for you to gain an accurate idea of what you can afford. Feel free to shop around for quotes for comparison. Contact me if you need recommendations for a mortgage loan advisor. Typically, a real estate agent will have their “favorite” mortgage loan advisors to recommend to clients because the agent and mortgage advisor have an efficient system they work by. When agent and mortgage advisor have an excellent relationship, closings have a higher potential for fast and clean turnaround times. As a side note, agents do not receive kickbacks when recommending mortgage loan advisors. It is against the law according to RESPA. I only say this because I was once suspicious.
  • Decide the price range you are comfortable with depending on market conditions & your pre-approved loan
    • In a “hot” market, there are typically more buyers than sellers, and this will cause the market value of homes to increase along with buyers making competitive offers to capture the attention of sellers. On the other end of the spectrum are “cool” markets where there are generally more sellers than buyers. This type of market will allow home values to level off or drop. Of course, buyers will find cool markets to be in their favor. In a hot market: Buyers, be ready to put your best foot forward to stomp out all the competition if you have truly found your dream home!
  • Decide on the location of your new home
    • If you have children or children in your future, consider which schools you would like them to attend. We’ll check CrimeReports in the neighborhoods you’re interested in for safety concerns too.
    • How far are you willing to commute?
    • How convenient of a location would you like to live in with regard to access to freeways, grocery stores, and restaurants?
    • Once we have found the one, we will look into which neighbors are renters and owners. Naturally, owners will take better care of their property. Sometimes, this can play a significant role in your quality of life.
  • Make a list of physical features you desire in a home
    • What’s your style? Are you into contemporary homes? Traditional? New construction? Craftsmans? One story? Two stories? Check out Pinterest and Apartment Therapy to grasp an idea of the style that you identify with most.
    • I could go on forever about various features in a home. Keep in mind that you have the ability to make any home your own with some elbow grease (if you’re a DIY-er), creativity, and with the help of designers and contractors.