5 Simple How-to-Steps to Buying a Single Family Residence(sfr) or Condo
1. Decide how much money you have to spend on a new home. There are a variety of loan assistance programs including the following and many more that your lender can assist you with: b. If you’re a vet ask your lender about veteran loan assistance. c. The FHA (Federal Housing Administration) is a government program that among other things insures the money you borrow from your lender making it easier for the bank to lend out the money. d. Deposit money (usually 3% to 20% or more of the purchase price of the home you choose to buy) will be held in escrow until the day of the closing 2. If you don’t have all cash to purchase a home, talk to a lender and get pre-approved for a mortgage this will streamline and legitimize the buying process for you. 3. Decide where in California you want to live and what style of house meets your needs. a. City name neighborhood or area. b. How many bedrooms and baths do you need? Do you want a single story or multi-level home? What room is most important (kitchen, family) attached garage, acreage, and square footage are other items to consider. Number the list with one being the most important feature. 4. Now that you’ve identified where your home will be you need to find out what homes are currently on the market for you to view. a. Go to the Search All Listings Page and write down the address and phone number of the properties you want to see. When calling make sure to ask when you can meet with the agent or seller(s) to look at the home. b. If you decide you want to buy it’s advisable you have the house inspected by a professional inspector before you put a written offer in on the property. Verifying that the title to the property is clear and free of liens or taxes is paramount. Check with the county assessor to search property records. There may be other items, called contingencies that you want resolved before the sale is complete so making the satisfaction of these a part of your offer is necessary. 5. Once your offer has been accepted you will meet to finalize and sign the contract with the seller. This meeting will complete the transaction in effect transferring ownership of the real estate to you. Buying a home can be this simple but occasionally buyers may want or need to have professional assistance in negotiating with the different parties (agents, inspectors, attorneys, etc.) guidance in determining home features, disclosures, and so on. If you have questions call me. I will work very diligently as your broker to assist you. |
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Buying a Home? Selling A Home?
Judy Sweat, Broker
818-245-2055
judy@jmarierealty.com
#01770280
All rights reserved. This web site may reference real estate listing(s) held by a brokerage firm other than the broker who owns this web site. The accuracy of all information, regardless of source, including but not limited to square footages and lot sizes, is deemed reliable but not guaranteed and should be verified by personal or professional inspections.Whether you are planning to buy a home or sell your existing home, contact Judy today!
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