Buying a Home
Determine what you can afford
The purchase of a home is the biggest financial investment you may ever make, so it's natural that you want to be comfortable with the amount you pay and how it will impact you.
For most people, what they can pay for a home depends on how much they have saved for a downpayment and how large a mortgage they can afford. The two are related in that a larger downpayment can mean a smaller mortgage and vice versa.
Other costs to consider when purchasing a home are the annual costs of property taxes, home owner's insurance, and the cost of general upkeep.
Get pre-qualified for a mortgage
We always recommend getting pre-qualified for a mortgage before beginning your home search. This not only confirms how much you can afford, but it also makes your offer more appealing to sellers.
With some lenders, you can go a step further and get actual pre-approval for a loan. As a buyer, you have the right to use the lender of your choice. We can put you in touch with a lender to get you started with pre-qualification or pre-approval. Just call or text us to get started.
Let us represent you
You benefit by working with a licensed professional who can help you find a home and walk you through the home buying process. We are not only licensed by the State of California, but we are also REALTORS®, which means we have joined a professional organization whose members voluntarily ascribe to standards even higher than those required by the state.
As a husband-wife team, we put TWICE the REALTOR® POWER to work for you. We guide you through the often confusing and stressful homebuying process and represent YOUR interests. We aggressively negotiate to get you the best price and terms in the purchase of your home.
© Copyright 2019 Sandra Flannery and Randy Springer. All rights reserved,