Home Buyers

SERVING: Long Beach, Lakewood, Carson, Gardena, Bellflower, Paramount, Cerritos and surrounding cities. If you are like most buyers, your home is the biggest financial purchase you will make. That makes buying a home an exciting, yet intimidating process. However, with a little preparation along with the care and guidance of an experienced real estate professional at your side, you can glide through the process of buying a home with confidence. There is nothing more important to your home buying process than picking the right agent and getting started with that agent as early in the process as possible. Speaking with a real estate professional, even before you start your search, can save you a huge amount of time and frustration. Think of everything that is involved in the buying process…using the right search, getting in to view properties, making the best offers, working with counter offers, understanding and working with contingency periods, protecting your deposit during escrow, knowing when and how many inspections are needed, knowing the ins and outs of short sales and REOs and what will or won’t work, keeping closing costs under control, working with title and escrow companies, getting to closing in the fastest and safest manner…the list goes on. Working with a real estate professional, like myself, will dramatically increase your chances of finding your dream home and being able to negotiate the lowest price possible. Plus I offer a special buyer's credit for first time home buyers and individuals 55 and over.            Call me and let’s get you started on the right path to home ownership.

 Getting Ready to Buy

There are four major things to avoid doing before applying for a loan and during the loan process itself. Anyone of these four things can greatly impact your ability to qualify for a mortgage loan so it is prudent to avoid doing any of the following until AFTER your loan has closed escrow:

1) DO NOT CHANGE JOBS

Changing jobs before or during the loan process can create a real problem in qualifying you for a loan, particularly if that job is in a different line of work or at a lower rate of pay. During the loan process, it can also create time delays as the new job will need to be verified.

2) DO NOT SWITCH BANKS OR MOVE YOUR MONEY AROUND

It is best to leave your money right where it is until your loan is closed. Moving your money to a new bank or even into a new account can wreak havoc with the verification process.

3) DO NOT PA Y OFF BILLS

Your loan officer will advise you if it is necessary to payoff bills to help you qualify for a loan. They will also show you the best way to payoff bills to make sure that escrow has evidence they need to prove that the bills have been paid.

4) DO NOT MAKE ANY MAJOR PURCHASES

Many borrowers make the mistake of buying a new car, some furniture or making another major purchase without realizing the impact it can have on their ability to buy a home. A large monthly payment can effect the amount of home you qualify for and, during the loan process itself, actually make it extremely difficult to get your loan approved.

If you must do any of the things listed above (even if you've just been pre-qualified for a loan) contact your loan officer. They can help you by re-qualifying you if necessary and advising you of your options.

                                                Happy Home Hunting!

Featured Listings