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Let Sand & Sea Realty help you with purchasing your new home in San Diego

Buying a home intimidates a lot of people, but it isn't too difficult with a bit of planning ahead of time. So they know exactly what they can expect, I will provide buyers with a road map of the entire deal. Below 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 glad to answer any questions you have about this information.

Step 1 – Get ready to purchase a home
There are plenty of things you'll want to contemplate before you start searching for a home. When you start your search, you'll want to make an outline of items you want to have, get a feeling for what school districts you'd like to live in, and start planning your budget. Ensuring your mortgage payment is less than or around 30 percent of your net monthly income is a good rule to adhere to.

Step 2 – Communicate with a real estate agent
That's where I can help. We'll schedule a time to get together so we can talk about why you want to buy a home and get an idea of your upcoming plans. We'll talk about everything from neighborhoods, schools in the San Diego area, the mortgage and housing industries, to any other economic factors that may affect your purchase today or in the future.

I'll also assist you in getting started on your loan. There are some great mortgage professionals in San Diego, and I partner with a lot of them, so you'll be in great hands. They'll assist you with determining which kind of loan is best for you and help you get approved.

Step 3 – Start looking
Following our first meeting, I'll start searching for homes on the market that suit your needs. I'll preview many of the homes and throw out the bad ones, and then we'll set up appointments to view the homes when it's convenient for you.

As we tour the homes, I'll identify positive features, as well as bad ones. I'll also ask you to talk about things you like and don't like. Usually, buyers revise their must-have list as we tour homes and some items become far more essential than others. If that's the situation, I'll look through all the listings once more and narrow it down to the house of your dreams.

Step 4 – Know the market
An agent's knowledge of the San Diego home market is an essential element in your home search. And I assure you I'm mindful of all the neighborhoods and schools, and I can alert you to which neighborhoods are "hot" and warrant prompt action and others that are "cool" and allow for cautiousness.

As we tour houses, I'll be sure to tell you if the asking price has room for bargaining or if I believe the house is "priced to sell." Be careful and be sure to ask plenty of questions, as any real estate agent will tell you they understand the housing market. If things don't add up, contact me at 6199905516 or e-mail me at , and I'll be glad to answer your questions. My market expertise will help you stay a step above the rest throughout the entire deal.

Step 5 – Find the house you've been looking for
We'll find your dream house in San Diego, and when we do, I'll thoroughly create your home purchase offer. The offer will be tailored exactly to your needs and the home, including a lot of contingencies. A few examples are getting financing, carrying out the home inspection, and a clean title.

Upon sending in your offer, you'll need to present "earnest money." This is a cash deposit given to the home seller to secure an offer to buy the property, and it's most often put towards the closing costs. If your offer is accepted by the seller, we should close on the property about 30 to 60 days afterward. This allows ample time for your mortgage financing.

Step 6 – Negotiate the deal
A lot of deals aren't closed on the beginning offer, and it's widely common to receive a counter offer. But don't let this alarm you. We'll discuss whether or not to consent to the counter offer, submit our own counter offer, or decline the seller's offer and move on.

How aggressively we negotiate the contract depends on market circumstances. We'll also work within your financing constraints. And when it's all said and done, we'll assemble a contract that's best for you.

Step 7 – Secure financing
Upon completing the contract, you'll start working with your mortgage lender to close the loan. If you're already pre-approved, it won't be a long process at all. However, you should to keep in close contact with your lender. And I'll take care of all the property information your lender will need 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 loan application. The estimate depends on the loan amount. RESPA requirements require that it has to contain all closing costs and fall within a precise range of accuracy, and I'll examine the estimate and let you know if it all looks permissible.

Then it's time to close on your house. This will likely happen at a title company or escrow office and is often a smooth and hassle-free affair.

Step 9 – Move in
Congratulations! It's time to move into your new home. Enjoy it. And if you have any questions, be sure to contact me at 6199905516 or e-mail me at .

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