What do I do first if I want to buy a home? FIRST TIME HOMEBUYERS
LAUREN SELINSKY PEREZ does a great job in this post outlining the steps to buying a home. Especially import is step #1. How often do we have potential buyers calling about a home only to be disappointed when they find out they can't qualify for a mortgage?
WHAT DO I DO FIRST IF I WANT TO BUY A HOME?
That is the first question I have been hearing a lot lately....
First and foremost, you ask yourself the question? Am I ready to be a homeowner? IF, THE ANSWER IS, "YES". Then, your first steps are as follows:
1.) See a Mortgage Broker or your local Bank or Credit Union. (Keep in mind that Credit Unions typically have tighter guidelines) This way you know if you are approved to start your HOME SEARCH. Also, your loan officer will tell you what price range of homes you will be looking at........
Be ready to give your loan officer
- two years tax-returns
- two recent pay stubs
- two month's bank statements
2.) Decide what area you want to live in. Do you have a special criteria? Such as, how many bedrooms must I have at a minimum? Is there a minimum square footage I must have? Fireplace? Pool? Is lot size important? Walking distance to the beach? (that is my favorite!)
3.) Start looking on the web to narrow down the area (78% of homebuyers are searching the web first) to see what's out there
4.) If schools are important, then check school districts and reports for the area
5.) CHOOSE A REALTOR(R), not just an agent, a REALTOR(R). WHY? Experienced, licensed, guidelines with the state and board, highly recommended and we take an oath to be ethical in all real estate transactions. If, you want to be sure you have a licensed REALTOR(R) in the state of California go to: www.dre.ca.gov and go to License Look-up. You can see if that particular REALTOR(R) is licensed, been suspended or when he/she has been licensed. If, you are in another state, just google department of real estate (type your state).
GOOD LUCK! If, you are looking for a REALTOR(R) in Southern CA, highly recommended and a Ceriftied Residential Specialist, amongst many other certified designations, call Lauren Selinsky 949-310-4960 direct or text. I look forward in working with you.
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HOME SEARCH NOW>>> www.CACoastalRealEstate.com
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MULTI-MILLION DOLLAR PRODUCER, SOUTH ORANGE COUNTY SPECIALISTS, PROVIDING EXCEPTIONAL SERVICE FOR BUYERS AND SELLERS IN SOUTHERN CA INCLUDING THE CITIES OF: ALISO VIEJO, BEVERLY HILLS, CORONA DEL MAR, CAPO BEACH, COSTA MESA, DANA POINT, IRVINE, LAGUNA BEACH, LAGUNA HILLS, LAGUNA NIGUEL, LAGUNA WOODS,LOS ANGELES, MALIBU, MISSION VIEJO, MONARCH BEACH, NEWPORT COAST, NEWPORT BEACH, SAN CLEMENTE AND SAN JUAN CAPISTRANO, SANTA ANA, SHERMAN OAKS, AND WOODLAND HILLS. LUXURY HOMES & OCEAN VIEWS FROM MALIBU TO LA JOLLA... BI-LINGUAL IN SPANISH *** A LEADER IN MY COMMUNITY AND A CONTINUED VOLUNTEER IN YOUTH SPORTS IN ALISO VIEJO, LAGUNA NIGUEL, MISSION VIEJO AND DANA POINT SINCE 1994.
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