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Buying or selling a home in San Diego? Sand & Sea Realty can help.

For most people, buying a home can be a stressful event. But with a little planning ahead of time, it's not too hard. I like to furnish buyers with an outline of the entire deal so they know exactly what to expect. Here are my nine steps to purchasing a home. If you have any questions regarding any of this information or if you're prepared to get started, simply contact me here or e-mail me at .

Step 1 – Prepare to purchase a home
There are a lot of things you'll want to do before starting your home search. You'll most likely want to form a list of items you need to have, get an idea of what neighborhoods you want to live in, and begin planning around your budget. Keeping your mortgage payment less than a third of your net monthly income is a good rule of thumb to go by.

Step 2 – Speak with a real estate agent
This is where I can help. We can plan a time to meet so we can talk about your real estate needs and get an idea of your plans for the future. We'll talk about neighborhoods, schools in the San Diego area, the mortgage and housing industries, and any other economic factors that may potentially affect your purchase today or in the future.

I can also help you facilitate the loan process. There are some very good 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 deciding which kind of loan is best for you and help you get approved.

Step 3 – Start house-hunting
After we meet, I'll start looking for available homes on the market that are a great fit for you. I'll get a sneak peek of most of the houses and reject the duds, and then we'll schedule appointments to tour the houses whenever it's convenient for you.

As we tour the houses, I'll show you the good features and bad ones. I'll also ask you to point out what things you like and don't like. Usually, buyers revise their wish list as we tour houses and some things become far more essential than others. If that's the case, I'll search all the listings once again and trim it down to the home you've been wishing for.

Step 4 – Know the market
My knowledge of the San Diego home market is a crucial agent in your home search. I am conscious of all the neighborhoods and school districts, and I will communicate what neighborhoods are "hot" and call for prompt action and others that are "cold" and allow for thoughtful analysis.

When we tour houses, I'll be sure to tell you if the list price has room for negotiation or if I believe the home is "priced to sell." When working with an agent, be mindful and be sure to ask lots of questions. Every REALTOR will claim to know the home market. If things don't add up, just call me at 6199905516 or e-mail me at , and I'll be more than happy to answer any questions you might have. My understanding of the market will keep you a step above the rest throughout the entire process.

Step 5 – Find the house of your dreams
I'm certain we'll find the house of your dreams in San Diego. When that happens, I'll meticulously develop your home purchase offer. The offer will be tailored keeping your needs in mind and the home, including several contingencies, such as acquiring financing, finishing the inspection, and a clean title.

When we present your offer, most likely you'll want to submit "earnest money." This is a cash deposit submitted to the seller to secure the offer to purchase the property. The amount is often applied to the closing costs. If the seller accepts your offer, we should close on the home about 30 to 60 days after. This allows necessary time for your mortgage financing.

Step 6 – Negotiate
Unfortunately most contracts aren't closed on the beginning offer – it's very common to receive a counter offer. But don't let it intimidate you. We'll discuss whether or not to accept the counter offer, present our own counter offer, or reject the seller's offer and move on.

The state of the market determines how aggressively we negotiate the deal. In addition, we'll work within your budget. And at the end of the day, we'll compose a contract that's best for you.

Step 7 – Get a loan
After the deal is finalized, you'll start working with your mortgage lender to close the loan. If you've been pre-qualified, this won't take long at all, but you'll need to keep in close contact with your mortgage lender. And I'll care for 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 closing costs from your mortgage lender within three days of accepting your loan application. The estimate is formed from the loan amount. RESPA requirements dictate that it has to involve all closing costs and fall within a strict range of accuracy, and I'll study the estimate and let you know if everything looks adequate.

Then it's time to close on your house. This will most likely happen at a title company or escrow office and will most often be a smooth and comfortable event.

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

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