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How to Buy A Property – “I’m ready to Buy a Home… Now What?”

How to buy a property

So you are ready to make a move?

With prices still about 30% below average.  Now is the right time to buy real estate.  If you’re like us here in San Diego, the market is tight so you’ll want to consider these strategies to make the home buying process easy and smooth.

1) Stay Calm – Patience will go a long way.  Don’t spend more than you can really afford.  Buyers can get caught up in the hype, and that can sometimes put pressure on buyers to spend more than they anticipated.

2) Make Your Best Offer – When bidding on a home with multiple offers, you need to come to the table with your best foot forward.  Don’t be afraid to offer an increased deposit and ALWAYS make sure you submit your offer with a pre-approval letter from your mortgage lender and your proof of funds.  Pre-approvals are an absolute must and without them your home buyers offer will be much less likely to be accepted.

Keys3) Check Your Credit First – Before you set off to look at houses, discuss your credit report with your mortgage lender.  Small discrepancies on your credit report can mean the difference of thousands of dollars.  A little known secret is that a simple Open/Closed discrepancy can be fixed with minimal effort in less than 30 days.

4) Account For Assets –  Be prepared for a strict underwriting process.  Mortgage lenders need to see a consistent income.  They will want to know where your money is and how much you’re spending per month, including the things you’re spending your money on.  Don’t purchase a car or change jobs or do anything significant that affects your income while obtaining financing for a new home purchase.  Always ask your mortgage professional about the do’s and don’ts.

5) Offer A Large Down Payment –  The larger your down payment is, the better.  A down payment of 20% or greater is a plus and will not go unnoticed. The larger your down payment is, the less likely you will run into issues with financing.

6) Write A Nice Letter To Go With Your Offer – This is a great way to stand out from the competition.  Assuming all things are equal, sometimes a nice letter from the heart written directly to the sellers explaining why this home is a perfect fit for your family can go a long way.  Buying and selling real estate is an emotional experience.  Families grow attachments to their home and it makes sense that the sellers will want to see a nice new family they can relate to buy their home from them.

7) Find A Good Agent – An experienced real estate agent will bring you knowledge about the home buying process.  Good agent’s will also make the home buying process enjoyable and smooth for all parties. (We would gladly apply for the job)

For any and all your real estate needs, don’t hesitate to reach out to The Home Team.

Real Estate Experts Sandro Natale, Oliver Graf, Sam Khorramian

Your friends and local real estate experts,

Oliver, Sam, Sandro

The Home Team

Contact us anytime:

Oliver Graf – Direct: (760)237-8006
Sandro Natale – Direct: (949)290-2599
Sam Khorramian – Direct: (858)518-1533

Have a question? —>Contact us direct <—

Big Block Realty
Always working hard for you!
www.BigBlockRealty.com
CA DRE #01885775

BUYING OR SELLING?: Don’t forget our Free Home Search Tool.
Search the MLS anytime! http://www.FreeSDHomeSearch.com

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How To Start The Process Of Buying A House – San Diego Home Buyers Guide

How To Start The Process Of Buying A House – San Diego Home Buyers Guide

San Diego Condominiums and Single Family Homes For Sale.  Call us anytime 760 237 8006 for help with Buying or Selling Real Estate or for a Free List of  “Local Deals On Properties For Sale”.

In this video San Diego Real Estate Experts Sam Khorramian and Oliver Graf discuss how to start the process of buying a home.  The video discusses the things one should consider when looking to buy or sell a home in San Diego or anywhere else.

Use our free real estate search tool: http://www.FreeSDHomeSearch.com to start browsing homes for sale in San Diego.

For immediate real estate assistance: http://www.ThinkOG.com

For many, owning real estate is the American dream.  A house or piece of property is more than just a financial asset: It’s a place to live and raise a family.  A place to build a future.  Home ownership is an investment in your community which is why we made this video outlining what you must do before starting the process of buying a new home.

In this home buying video, Oliver and Sam cover:

– How to calculate how much you can afford to spend?
– When is the right time to buy a house or condo?
– How long does the home purchase process take?
– How long do I need to look at homes for sale before buying a home?
– How does one find a professional real estate agent?

Our team has a expert knowledge of the San Diego Real Estate market.  We ensure our clients always have the winning advantage when buying and selling real estate in San Diego!  There are many options to consider when starting the search.  Give us a call today and we’d be glad to set you on the right track!

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