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Let Sand & Sea Realty assist you in buying a home in San Diego

With some up-front planning, purchasing a home isn't too confusing, but the event is stressful for a lot of people. I like to supply buyers with an overview of the entire deal so they'll know exactly what they can expect. These are my nine steps to purchasing a home. When you're ready to get started, you can contact me here or e-mail me at . I'm happy to address any questions you have about this information.

Step 1 – Get ready to purchase a home
There are many things you should do before starting your home search. When you start your search, you'll probably want to form a checklist of items you need to have, get an idea of what neighborhoods and school districts you want to live in, and begin planning around your budget. A good guideline to adhere to is that your mortgage payment should be close to 1/3 of your monthly income.

Step 2 – Connect with a real estate agent
This is where Sand & Sea Realty comes in. I'd love to arrange a time to meet with you and communicate with you about why you want to buy a home and get an idea of your future plans. We'll discuss everything from neighborhoods, schools in the San Diego area, the mortgage industry, to any other economic factors that may potentially affect your buying decision today or in the future.

In addition, I'll help you facilitate the loan process. There are some great mortgage professionals in San Diego, and I work with a lot of them, so you'll be in great hands. They can assist you with determining which type of loan is best for you and help you get approved.

Step 3 – Begin looking
After our first meeting, I'll begin finding available houses on the market that meet your needs. I'll preview most of the houses and reject the duds, and then we'll book appointments to tour the homes whenever it's most convenient for you.

When we tour houses, I'll identify good features and bad ones. I'll also ask you to point out what things you like and dislike. It's pretty common for buyers to amend their wish list as we view houses and some features become far more substantial than others. If that happens, I'll look through all the listings one more time and narrow it down to the home you've been dreaming about.

Step 4 – Understand the market
My understanding of the San Diego housing market is an essential component in your house search. I am conscious of all the schools and neighborhoods, and I will communicate some neighborhoods are "hot" and require immediate action and the ones that are "cold" and allow for more analysis.

As we view homes, I'll let you know when the list price has room for bargaining and when I believe the home is "priced to sell." Be on guard and make sure you ask a lot of questions, as any real estate agent in San Diego will tell you they truly know the home market. If things don't add up, just call me at 6199905516 or e-mail me at , and I'll be happy to answer any questions you have. My knowledge of the market will keep you a step above the rest through the entire deal.

Step 5 – Find the home you've been waiting for
I know we'll find the house of your dreams in San Diego. When that happens, I'll thoroughly create your home purchase offer. The offer will be made to suit your needs and the home. We'll include a lot of contingencies, such as acquiring financing, carrying out the home inspection, and a clear title.

Upon submitting your offer, you'll probably need to submit "earnest money." This is a cash deposit made to a home seller to secure an offer to buy the property, and it's most often applied to the cost of closing. If the seller accepts your offer, we should close within 30 to 60 days afterward. This allows enough time for your mortgage financing.

Step 6 – Negotiate
Most contracts aren't closed on the initial offer. It's extremely common to receive a counter offer. Don't let this discourage you. We'll figure out whether or not to take the counter offer, present our own counter offer, or decline the seller's offer and move on.

How aggressively we negotiate the contract depends on market circumstances. In addition, we'll work within your budget. And when it's all said and done, we'll compose a deal that is best for you.

Step 7 – Secure financing
Once the contract is complete, you'll start working with your mortgage lender to close the loan. If you're already pre-approved, this won't take long at all. But you'll need to stay in close contact with your mortgage lender. And I'll take care of all the property information your lender needs to close the loan.

Step 8 – Close the deal
You'll get a Loan Estimate (LE) of your closing costs from your mortgage lender within three days of taking your application. This estimate depends on the loan amount. RESPA requirements require that it has to contain all closing costs and fall within a close range of accuracy, and I'll study the estimate and let you know if it all looks good.

Then we'll close on your house. This will most likely happen at a title company or escrow office and is often a smooth and pleasant occasion.

Step 9 – Move in
Congratulations! Now you can move into your new home. Enjoy it. And if you need anything or have any questions, be sure to call me at 6199905516 or e-mail me at .

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