Three Starting Points for Southern California Buyers

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There are three easy ways jump start the home buying process. If you’re thinking about buying a home in Southern California, I want to share the first steps to take with you.

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Know exactly where you want to live.

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• Know what you can spend. Meet with a lender to understand your budget exactly. They’ll review your financial information, including your debt-to-income ratio, to determine your affordability. Consider how much you’re willing to spend, including moving costs, supplemental taxes, and association dues. Additionally, think about how much remodeling, if at all, your future home needs to move in.
• Know your loan programs. A lender can give you the scoop here, too. I have a great list of preferred local lenders I’d be happy to share with you. It’s crucial to speak with a lender, whether you want to know more about loan options or even if you’ve purchased a home within the past decade. You need to find out which one best suits your monetary needs.
• Know exactly where you want to live. Location is often overlooked by buyers. If you have children, you need to research school districts. If you’re retiring or don’t have kids, consider an eclectic area to live. Walk around during the night and ask yourself if it’s a place you’re comfortable with.

If you’re thinking about buying or selling a home in the surrounding area, give me a call or send me an email. I’d be happy to serve your local real estate needs and answer any questions you might have!