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Are you buying a new home in San Diego?

Purchasing a home intimidates most people. However, with a little planning ahead of time, it's not very hard. So they'll understand exactly what to expect, I like to supply buyers with an outline of the entire deal. Below are my nine steps to buying a home. If you have questions regarding any of this information or if you're prepared to get started, you can contact me here or e-mail me at .

Step 1 – Get ready to purchase
There are a lot of things you need to take into account prior to starting your home search. You'll want to form a checklist of items you need, get a feel for what school districts and neighborhoods you want to live in, and begin planning around your budget. Keeping your mortgage payment less than 1/3 of your monthly income is a good principle to go by.

Step 2 – Speak with a real estate agent in San Diego
This is where I come in. We'll schedule a time to meet so we can talk about your real estate needs and get an idea of your upcoming plans. We'll talk about the mortgage industry, other economic factors that might affect your buying decision today or in the future, as well as neighborhoods and schools in the San Diego area.

I'll also assist you with getting started on your loan. I work with some of the finest mortgage professionals in San Diego, so you can rest assured that you're in great hands. They can help you decide which kind of loan is best for you, as well as help you get qualified.

Step 3 – Begin your search
After our initial meeting, I'll start searching for homes on the market that suit your needs. I'll research many of the homes and throw out the duds, and then we'll book appointments to tour the houses whenever it's convenient for you.

When we tour houses, I'll call attention to good features and bad ones. And I'll ask you to talk about things you like and dislike. Most often, buyers update their must-have list as we tour houses and some items become far more crucial than others. If such is the case, I'll search the listings again and narrow it down to the home you've been wishing for.

Step 4 – Get a grasp of the market
Your agent's knowledge of the San Diego housing market is a necessary element in your house search. And I can assure you I'm acquainted with all the school districts and neighborhoods, and I can let you know what areas are "hot" and demand immediate action and some that are "cool" and allow for cautiousness.

As we tour houses, I'll be sure to tell you if the seller's asking price has room for negotiation or if I believe the house is "priced to sell." Every REALTOR will tell you they truly know the housing market, but keep an eye out, and make sure you ask a lot of questions. If it doesn't seem like they know everything, just call me at 6199905516 or e-mail me at , and I'll be glad to answer any questions you have. My knowledge of the market will keep you a step ahead through the entire deal.

Step 5 – Find the home you've been waiting for
I'm sure we'll find the house of your dreams in the San Diego area. When that happens, I'll carefully create your real estate purchase offer. The offer will be tailored keeping your needs in mind and the home, including some contingencies, such as acquiring financing, carrying out the home inspection, and a clean title.

When turning in your purchase offer, you'll need to present "earnest money." This is a cash deposit submitted to the home seller to secure the offer to buy the property, and it's usually put towards the closing costs. If your offer is accepted by the seller, we should close on the home about 30 to 60 days after. This allows sufficient time for your mortgage financing.

Step 6 – Negotiate
A lot of contracts don't close on the beginning offer, and it's extremely common to receive a counter offer. But don't let it intimidate you. We'll figure out whether or not to take the counter offer, propose our own counter offer, or refuse the seller's offer and go on.

Market circumstances will play a big part in how aggressively we negotiate the contract. In addition, we'll work within your financing limits. And when it's all said and done, we'll formulate a contract that is best for you.

Step 7 – Obtain a loan
Upon finishing the contract, you'll start working with your lender to close the loan. If you've been pre-qualified, this won't take very long at all, but you'll need to stay in close contact with your lender. And I'll look after all the property information your lender needs to close the loan.

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

Then we'll close on your house. This will most likely take place at a title company or escrow office and will most likely be a smooth and comfortable event.

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

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