Purchasing a home is an exciting milestone and one of the most important investments you’ll make. Whether this is your first home or your next investment I’m here to guide you through every stage with professionalism, transparency, and market expertise. Understand every step, avoid common mistakes, and move forward with confidence.

1. Initial Consultation

We’ll begin with an in-depth conversation about your goals, preferred locations, and budget to identify what truly matters most to you.

2. Financing & Mortgage Basics

I’ll connect you with trusted mortgage professionals to secure pre-approval, define your purchasing power, and strengthen your offer position.

Always get pre-approved before shopping, it strengthens your offer.

• Pre-Qualification: A Mortgage Broker can help you with this. This estimates your buying power based on the information you provide.

• Pre-Approval: Pre-approval is a lender’s written confirmation of how much you can borrow. Based on this you will know which house you can afford to buy and  you can show sellers that you are a qualified buyer. Get pre- approved before you start searching for a home.

Loan Types

• Conventional – great credit & strong buyers

• FHA – flexible credit, low down payment, Popular with first-time buyers.

• VA – veterans, 0% down available, No mortgage insurance

• CalHFA Programs State-backed help (down-payment assistance)

• Jumbo Loans – high-priced homes, Requires strong credit (usually 700+)

Down Payment & Closing Costs

• Down payment can be as low as 3%, You do not always need 20%

• Closing costs usually 2–3%

A bigger down payment = lower monthly payments and less interest

Fixed-Rate vs. Adjustable-Rate Mortgages

• Fixed-rate: Interest stays the same for the entire loan.

• ARM: Interest changes after an initial fixed period

Monthly Payment Includes:

• Principal (the amount you borrowed)

• Interest (the cost of borrowing)

• Property taxes

• Homeowners insurance

• Mortgage insurance (if required)

3. Property Search

With access to advanced tools and local listings, I’ll help you find homes that match your criteria and schedule private tours at your convenience.

What to Look For:

• Price & budget

• Location & commute

• Neighborhood / schools

• Size, layout, & features

• Condition of the property

Use a “Must-Have vs Nice-to-Have” List This keeps the search focused and efficient.

4. Market Analysis & Offer Strategy

Once we find the right home, I’ll conduct a detailed Comparative Market Analysis (CMA) to determine fair market value and craft a competitive offer.

When we find the right home, I will help you:

• Review comparable sales

• Determine offer price

• Decide on credits / requests

• Discuss timeline & terms

• Structure a competitive offer

Highest offer doesn’t always win — best terms often do.

5. Negotiation & Offer Acceptance

I’ll negotiate on your behalf, ensuring your interests are represented and the terms align with your financial goals.

6. Understanding Contingencies

Contingencies protect you and your deposit while you verify the home and financing.

• Inspection Contingency: Ensuring home condition & repairs

• Appraisal Contingency: Confirming value matches price.

• Loan Contingency: Avoiding risk if financing fails.

• Title Contingency: Confirming clear ownership.

Always consult before removing contingencies — they protect you.

7. Escrow & Due Diligence

From inspections to appraisals and document review, I’ll manage all details to protect your investment and keep you informed. When a property goes under contract, escrow becomes the neutral space where all funds, documents, and contingencies are handled securely until the sale is finalized. For buyers, escrow is the stage where due diligence, loan approval, and final verification take place. The buyer’s goal during escrow is to confirm the property’s condition, secure financing, and complete all closing steps accurately and on time.

Escrow protects the buyer's deposit and ensures the property’s title is clear, all inspections are completed, and ownership is officially recorded.

Escrow is a critical safeguard in a real estate transaction. It ensures that all contractual obligations, inspections, and financial arrangements are completed before ownership is transferred, giving both the buyer and seller peace of mind throughout the sale.

Typical Buyer Responsibilities Include:

Depositing earnest money into the escrow account to show good faith

Completing inspections (home, pest, roof, etc.) within the contingency period

Reviewing disclosures and reports to confirm the property’s condition

Finalizing the loan process with their lender and satisfying underwriting requirements

Ordering an appraisal to confirm the home’s value matches the loan amount

Obtaining homeowner’s insurance and providing proof to escrow and the lender

Performing a final walk-through to ensure the property is in the same condition as agreed

Transferring funds for the down payment and closing costs before the closing date

Once the lender releases funds and the deed is recorded, the buyer officially becomes the new homeowner, and escrow is closed.

8. Inspections & Appraisal

A-Home Inspection

Professional review of:

• Structure

• Roof

• Plumbing

• Electrical

• HVAC

May lead to repair requests or credits.

B-Appraisal:

Lender-required to confirm value. If value comes in low, we may renegotiate or adjust strategy.

9. Loan Approval & Underwriting

During this stage, you will:

• Provide updated financial docs

• Avoid new credit activity

• Stay responsive to lender requests

Pro tip:

• No new credit cards

• No large purchases

• No moving money without documentation

10. Closing & Moving In

I’ll coordinate with all parties to ensure a seamless closing, so you can move forward with confidence and excitement.

Final steps:

• Sign loan & escrow docs

• Final walkthrough of property

• Transfer funds

• Recording confirmed

• Get your keys! 

Welcome home!

11. Common Buyer Mistakes to Avoid

• Searching before pre-approval

• Focusing on rate only, not loan program

• Skipping inspection

• Opening new credit during escrow

• Not budgeting for closing costs & maintenance

12. Real Estate Terms:

• Escrow: Neutral third party handling funds/documents

• Earnest Money Deposit: Buyer’s deposit to secure offer

• Appraisal: Property value assessment

• Contingency: Contract condition protecting buyer

• Closing Costs: Fees due at closing

13. Continued Support

Even after closing, I remain a trusted resource for homeownership advice, market updates, and future real estate opportunities.

From Your First Home To Your Forever Home

LET'S GET IN TOUCH!

Whether you’re selling or buying, I am ready to help you

The selling and buying process may seem complex, but with a professional agent guiding you, it ensures that every step happens safely, transparently, and according to the terms of the transaction.