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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

    7472  24th Street, Sacramento image
    7472 24th Street, Sacramento $300,000

    Attention investors! This is a rare opportunity that should not be missed. Presenting a 3-bedroom, 2-bathroom, 1320 square foot probate sale home, which has been under th...

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    7131  Diablo Oak Court, Sacramento image
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    This remodeled halfplex with two beds and two baths is nestled on a quite court with friendly neighbors and boasts a spacious backyard! Inside you'll find a contemporary ...

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    1416  Atherton Street, Sacramento image
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    Probate fixer listing. Property needs repair, but has promise. Property sold As-Is. Seller not doing any repairs. Nice size rear yard with attached 1-car garage. Property...

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    706  Northfield Drive Unit #A, Sacramento image
    706 Northfield Drive Unit #A, Sacramento $299,500

    This is a rare opportunity to purchase an immaculate, turn-key 4-bedroom, 1.5-bathroom newly renovated condo in Sacramento. This end unit is priced competitively and feat...

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    Listing courtesy of eXp Realty of California, Inc..

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    2933  Land Avenue, Sacramento image
    2933 Land Avenue, Sacramento $299,000

    This enchanting 2-bedroom, 1-bathroom cottage has been thoughtfully renovated and upgraded to offer you the utmost comfort and energy efficiency. From the moment you step...

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    Listing courtesy of Amen Real Estate.

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    1813  Bowling Green Drive, Sacramento image
    1813 Bowling Green Drive, Sacramento $299,000

    This property presents an incredible opportunity for investor's, or perfect for first time home buyer. This home needs a tender-loving care. Located in the Swanston Estat...

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    • 4 Beds
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    Listing courtesy of Nick Sadek Sotheby's International Realty.

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    627  Santiago Avenue, Sacramento image
    627 Santiago Avenue, Sacramento $299,000

    Investor Special! Duplex with a one bedroom one bathroom in the front and a two bedroom one bathroom in the rear. Generous lot with lots of parking. Enclosed lot in quiet...

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    8956  Rosewood Drive, Sacramento image
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    Probate Sale - This property is being sold As-Is''. Bring your imagination and your tools and make this home your own! Located in the Rosemont area this home features 3 b...

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    701  Gibson Drive Unit #1914, Roseville image
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    Come see this ground floor one bedroom condo at the upscale Villages of The Galleria. This condo offers an open floor plan with patio access off the spacious living room,...

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    • 1 Beds
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    Courtesy of The Ferguson Group

    Listing courtesy of The Ferguson Group.

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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 2023 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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