First Time Home Buyers ~ The Buying Experience--As a first time home buyer in Redding, Shasta County California, you will want to work with a Realtor that can help you understand and simplify the home buying process. There are many things to consider when buying your first home. You will want to identify your needs and goals for your real estate purchase. You will want to work with the right people that can offer you knowledge, expertise and the service you deserve. 

Mortgage Consulting and Financing Options--You will want to identify through referrals or through your Realtor's recommendation a professional Loan Officer that can help you identify the right mortgage product that will meet your needs. They vary from a 30 year fixed mortgage to a solution that might have a 3-5 year horizon and provide you with more use of your money during your first years of ownership. Your Realtor can help with what you will need to do to get pre-qualified and pre-approved for your loan.

Understanding the Home Buying Process-- Your Realtor can help you understand all of the critical issues you will need to be aware of. Market value and a Comparative Market Analysis (CMA) on the selected property will help you understand the offer process and the steps to getting your offer accepted for the right price. Determining what your "right price" is will also be part of the process of working with your Realtor. Internet research and listing information will help you in learning market value and previewing properties will help to cement a knowledge of the market and when we identify a "good buy" and that "right priced" property.

Agency Relationships and Agreements--Your Realtor will be helping you to understand Agency and Fiduciary Responsibility. These are terms that are defined by the responsibilities the Realtor has in representing you and your financial welfare in the transaction. Your Realtor will also help you to understand the cooperating agent's responsibilities and the seller's responsibilities in the transaction.

Buyer Due Diligence--Your Realtor will support you in the property inspection and due diligence of the intended property. While it is the seller's responsibility to disclose, it is the buyer's responsibility to do a through investigation of the property through inspections and documentation research. Your Realtor will help you in finding qualified inspectors to identify any issues that may affect the value of the property. Typically, you start with a home inspection and a pest inspection. After these inspections, you may required additional inspections. 

Settlement Services--Your Realtor will help you in the coordination of escrow and in the title process. Identifying and coordinating the closing of escrow on your property will be a process of communication and coordination on the part of the escrow officer and all parties of the transaction. Your Realtor will be keeping you informed and working with escrow and title to ensure a smooth closing.

Owning your first home can be a wonderful and exciting time. We want to help you enjoy the process and have a smooth and safe transaction. The Buying Experience is an important aspect of owning your first home and we want to help you make it easy and pleasant. 

WE CAN HELP! We provide you our main real estate website for all your Redding Real Estate needs. We also provide a Luxury Market website for those clients looking for Redding Luxury Homes of extraordinary elegance. We also offer the entire Shasta County MLS by Price for you view convenience and we offer for those investors and first time home buyers a website dedicated to short sale and foreclosure listings and information.

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Call today for a free Comparable Market Analysis (CMA) on your home or your investment property and we can talk about Redding Real Estate.