Buying a Home in San Diego
Buying a home in San Diego can be an exciting, but intimidating process. If you are a first-time homebuyer, terms like mortgage insurance, counter offer and escrow can be enough to make you reconsider the upside of apartment living. However, with a little preparation and my experience by your side, I can glide through the steps of buying a home here in San Diego with confidence.
Help With Your Home Buying Needs
I will help prepare your for a positive experience in California real estate by making a list of items you need and want in a home, such as which neighborhood you want to live in, the size of the home and any amenities.
Consult the Mortgage Experts
If you don’t have a real estate and/or mortgage loan professional, then I can put you in touch with one. A mortgage professional, right away, can save you time and frustration. A knowledgeable professional can give you current information on the San Degio real estate mortgage market and answer any questions you have. They can also assist you in the process of prequalifying for a home loan. Home buyers who have prequalified know exactly how much money they will be able to borrow for a a home. Prequalification can increase your chances of having his offer accepted during negotiations.
Touring houses for sale is one of the most enjoyable steps in buying a home. With my help you can save time by limiting your search to homes that meet your financial and personal criteria.
We Make an Offer
In San Diego, making an offer on a home does not automatically obligate you to purchase. Don’t worry, I will help you with the entire process. Included in the offer we will present on your dream home are contingencies such as that the title to the home must be clear and the home must pass inspection by a licensed inspector. Again, I will assist you in making the most reasonable offer to get your home.
It is common to receive a counter offer from the seller, sometimes asking for a higher price or a division of the closing costs that is more favorable to them. At that point you can accept the counter offer, submit a counter offer of her own or reject the counter offer at no penalty and continue house hunting. Again, don’t worry, I will be there guiding you through the entire process.
Closing is often referred to as “escrow” here in San Diego. The typical period for escrow is 30 days; however, we may have agreed to a shorter or longer escrow period during negotiations. During escrow the transaction process becomes finalized. Title records are checked for errors, taxes and other claims must be settled, loan and title documents are signed and you are allowed a final walk through to make sure the condition of the property has not changed. After all the necessary paperwork is signed and filed and escrow has closed, you will receive the keys to your new home and are free to move in.