Services for Buyers
When you work with me to purchase your home, I’ll be by your side every step of the way. I will guide you through the buying process while ensuring you feel confident and informed. My goal is to make the journey as seamless and stress-free as possible, so you can focus on finding the perfect home.
Get Preapproved
The home mortgage preapproval process begins when you submit your financial information to a lender, including income, assets, debts, and credit history. The lender evaluates this information to determine how much you can afford and issues a preapproval letter specifying the loan amount you qualify for. This letter shows sellers that you are a serious and financially ready buyer, giving you a competitive edge in the home-buying process.
Narrow Your Criteria
To narrow your home search criteria, we'll start by identifying your top priorities, such as location, budget, and must-have features like the number of bedrooms or a backyard. We'll focus on neighborhoods that fit your lifestyle, considering factors like commute time, school districts, and nearby amenities. I will always respect the parameters of your budget and needs while staying flexible on minor details to find the best fit for you.
Making An Offer
In California, a buyer makes an offer on a property by submitting a written purchase agreement, typically using the California Association of Realtors (C.A.R.) Residential Purchase Agreement (RPA) form. This document outlines the offer price, contingencies (like inspections or financing), and other terms, and is signed by the buyer before being presented to the seller. Once the seller reviews the offer, they can accept, reject, or counter it, and if both parties agree on the terms, the contract becomes legally binding.
Escrow Process
In a California real estate transaction, escrow is a neutral third party that manages the process of transferring property ownership and ensures all terms of the purchase agreement are met. During this time period, you as the buyer will conduct all of your inspections, negotiate any credits or repairs, order your property appraisal via your lender, and finalize your loan. The escrow company holds funds, documents, and instructions from the buyer, seller, and lender, disbursing them only when all conditions are satisfied. This ensures a secure and fair transaction for all parties involved.
Closing
Closing on a house involves finalizing the transaction between you and the seller, where ownership is officially transferred. You will review and sign all necessary documents, such as the loan agreement and deed, while paying closing costs and the remaining down payment, should there be one. Once the funds are distributed and the deed is recorded with the county, you will receive notification from your escrow officer along with the keys, and the home is officially yours!
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