Prepare For San Diego Home Ownership

The process of buying homes in San Diego is a lot easier when you plan ahead.  This means clarifying your objectives, choosing the right Realtor and real estate support team. A well-rounded team includes the Realtor, property inspectors, termite company, repair technicians, escrow officer, title representative, real estate attorney, and accountant.  A good San Diego real estate agent will already have teams in place. That is teams-plural because the makeup of the team will vary depending upon the objective.  If you are considering entry-level condos, San Diego foreclosures, or fixer properties you will have different needs than a San Diego luxury homes buyer.  Choice of property inspectors and other specialists depends upon the type and condition of the property, and the choice of lender depends upon the type of mortgage loan needed (Conventional, VA, FHA, Jumbo).  Review the following information to help you get started.

To Begin The Process Of Buying a Home In San Diego:

• Ask yourself: “Why is it important to me to buy a home?” Is it financial security? If so, what would you do differently if you had financial security? … Why is doing those things important to you?… When you get to the heart of the matter, it opens up a whole realm of possibilities that you may not have otherwise considered.
• Pull together financial information. What is your income, debt, future employment and income potential, and source of down payment?
• Ask your personal San Diego real estate consultant to refer a mortgage broker or lender for loan pre-approval. It is important to select a lender that you can depend upon when closing date approaches. Don’t be bamboozled by a lender who promises a great rate and then disappears when the transaction deadlines approach! If you do not have a personal relationship with a reliable mortgage broker or lender, ask us for a referral, or ask a friend or co-worker to help get you started.
• It is important that you determine what price range you can afford, and what financing is available to you.
• Go to a few open houses and see what is available in the area where you would like to live.  Do you like the urban energy of Downtown San Diego condos or are you more the quiet type who would enjoy La Jolla real estate.
• Itemize your requirements in a home. What are the features, styles, and layouts that appeal to you most?
• Contact a Real Estate Consultant, NOT TRADITIONAL REAL ESTATE AGENTS!. If you need clarification on the difference between a real estate consultant and a traditional real estate agent, click here for more information.
• Browse the web for Useful San Diego Real Estate Resources for Home Buyers.

Call Geoffrey and Anne-Marie, the San Diego realty professionals, and we will be happy to consult with you to discuss your goals and options.

Call 619-857-7203