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Buying A Home

Whether you're a first-time home-buyer or a seasoned veteran, buying a home can be an intimidating process. With lending guidelines changing every day to saving for a down payment or the more complex 1031 tax exchange, you need someone in your corner that fully understands real estate as well as lending. Fortunately, I have over 25 years experience in both so check out my preferred buyer program and see how you can benefit .

 As a first time home-buyer, you'll want to read my blog posts and get comfortable with this big step. Feel free to check out my Buyer's Guide as well. Yeah, you'll have to trade me your contact info for it but it's a valuable resource and there are few other Realtors more capable to walk you through the lending and real estate process. Either way, you need to get "right with your money" before you start looking at houses.

 As a more seasoned home-buyer, you may benefit as well from the Buyer's Guide and reading my other blog postings because it's probably been a while since you last did this. Also, lending has changed so much over the last 5-10 years so you'll want to be pre-approved also. 

 Getting Pre-Approved

There's more to it than this page can handle but here's a list of things to consider:

  1. Have you been employed in same industry for last 2 years
  2. Are you self employed
  3. Do you know the difference between a consumer FICO score and a Mortgage FICO score
  4. Have you had a short sale/foreclosure or bankruptcy in last 7 years
  5. How much do you have saved for down payment
  6. Do you have student loans, deferred or not
  7. Do you work overtime or earn commissions
  8. Do you receive 1099 income
  9. Have you gaps in your employment history
  10. Does the house you're considering have Mello Roos or HOA dues
  11. Do you pay child support or alimony. Do you receive it
  12. Do you know that FHA treats alimony differently than Conventional financing
  13. Do you have your full divorce decree handy
  14. What about closing costs
  15. Pre-approved or pre-qualified? What's the difference?

The answers to everyone of these questions begets 2-4 more questions. It's like peeling an onion (even the crying part sometimes). The point is, you're going to have to get financially undressed before we know what you can afford. With my 25+ years experience in the mortgage industry, you can rest assured you'll get through the process safely and without excessive costs. 

Paperwork

When you're ready, here's a list of paperwork/items you'll need:

  1. Last two years Federal Tax Returns
  2. Last two years W-2's
  3. Current pay stubs covering most recent 30 day period
  4. Last two most recent statements for bank account, retirement plans and 401k's
  5. Clear copies of driver's licenses
  6. Birthdates

By no means is this list all-inclusive but it will get you 90% of the way to the promised land. After you've compiled this paperwork, we'll need to talk. Ten years ago underwriters believed everything you said. Today, they don't believe anything. You have to prove everything, from a larger than normal deposit in your bank account to why you had a 2 month gap in employment. Knowing what an underwriter will ask for and knowing how to answer it BEFORE they get your file many times will be the difference between yes and no. 

When you're ready, email me. Text me. Call me. Ask a million questions. Get comfortable. Know you're working with an ally. Once we're "right with your money" we can confidently bid on houses knowing we can close on time and guaranteeing the seller the same. Other agents know my offers have been vetted by a lender and they're more willing to accept my offers because of it.

Hot Starter Homes

165  Redwood Avenue, Sacramento image
165 Redwood Avenue, Sacramento $300,000

GREAT PRICE for a great starter home, OR investment property! Situated on a large lot with Rv acess from a wide alley (perfect lot for a 2nd house or ADU with own private...

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  • 2 Beds
  • 1 Baths
  • 1,218 SqFt.
  • 222066014 MLS
Courtesy of Tower Real Estate Brokers Inc.

Listing courtesy of Tower Real Estate Brokers Inc..

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5820  Shadow Creek Drive Unit #1, Sacramento image
5820 Shadow Creek Drive Unit #1, Sacramento $300,000

Adorable 2 bedroom, 1 bathroom lower level condo steps away from swimming pool. Just imagine yourself walking to the pool during hot days. Enclosed patio. Garage and park...

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  • 2 Beds
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  • 843 SqFt.
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Courtesy of iLife Realty

Listing courtesy of iLife Realty.

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1104  Nogales St, Sacramento image
1104 Nogales St, Sacramento $299,999

Cute little house ready for a forever family. Beautiful tree in the front yard. Newer flooring, roof and counter tops. Roof is only 3 years old. Fenced in front and back ...

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  • 2 Beds
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  • 697 SqFt.
  • 222067387 MLS
Courtesy of CLA Realty

Listing courtesy of CLA Realty.

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3837  Belden St, Sacramento image
3837 Belden St, Sacramento $299,999

Cute, Cute, Cute! This home features a great backyard, nice layout and newer cabinets. This charming home is the perfect place to call home!

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  • 2 Beds
  • 1 Baths
  • 1,052 SqFt.
  • 222047537 MLS
Courtesy of eXp Realty of California Inc.

Listing courtesy of eXp Realty of California Inc..

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5791  28th Street, Sacramento image
5791 28th Street, Sacramento $299,950

Starter Home! 2 Bed, 1 Bath recently updated with new roof and HVAC.

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  • 2 Beds
  • 1 Baths
  • 701 SqFt.
  • 222065868 MLS
Courtesy of West Capital Property

Listing courtesy of West Capital Property.

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3534  Larchmont Square Lane, Sacramento image
3534 Larchmont Square Lane, Sacramento $299,950

Don't miss this affordable tastefully condo in a nice neighborhood. Just few Minutes driving distance to Freeway. This is a move-in ready two story condo Ideal for First ...

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  • 3 Beds
  • 1.5 Baths
  • 1,342 SqFt.
  • 222058745 MLS
Courtesy of Realty One Group Complete

Listing courtesy of Realty One Group Complete.

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109  Luna Grande Circle Unit #57, Sacramento image
109 Luna Grande Circle Unit #57, Sacramento $299,000

Wonderful move in ready lower level condo just perfect for the first time homebuyer or investor looking for a solid rental. Nice large community pool and spa! Washer/Drye...

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  • 2 Beds
  • 1 Baths
  • 847 SqFt.
  • 222065732 MLS
Courtesy of Keller Williams Realty Capital Valley

Listing courtesy of Keller Williams Realty Capital Valley.

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800  Del Verde Circle Unit #2, Sacramento image
800 Del Verde Circle Unit #2, Sacramento $299,000 ▼

Affordable Condo 2 bedrooms 1 bath, Ideal for first time buyers, close to shopping areas, restaurants, public transportation and a short drive to downtown area. This ador...

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  • 2 Beds
  • 1 Baths
  • 956 SqFt.
  • 222060689 MLS
Courtesy of Tess Realty Group

Listing courtesy of Tess Realty Group.

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7555  Waterwillow Drive, Sacramento image
7555 Waterwillow Drive, Sacramento $299,000

Great opportunity. Good location. Hurry before it's gone.

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  • 3 Beds
  • 2 Baths
  • 971 SqFt.
  • 222053812 MLS
Courtesy of Open Door Realty Group

Listing courtesy of Open Door Realty Group.

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814  Roundtree Court, Sacramento image
814 Roundtree Court, Sacramento $298,000 ▼

This is your opportunity! Take a look at this light and open 2 bedroom home in the desirable Pocket area in Sacramento. Updated flooring & paint throughout, all you have ...

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  • 2 Beds
  • 1 Baths
  • 932 SqFt.
  • 222022686 MLS
Courtesy of RE/MAX Gold Laguna

Listing courtesy of RE/MAX Gold Laguna.

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metrolist logo

All measurements and all calculations of area (i.e., Sq Ft and Acreage) are approximate. Broker has represented to MetroList that Broker has a valid listing signed by seller authorizing placement in the MLS. Above information is provided by Seller and/or other sources and has not been verified by Broker. Copyright 2022 MetroList Services, Inc. The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity Program of MetroList® MLS. All information has been provided by seller/other sources and has not been verified by broker. All interested persons should independently verify the accuracy of all information. Last updated .

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