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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

property image
637 Plaza Avenue, Sacramento $300,000

Lucrative investment opportunity for savvy investor. Great location and future development possibilities.

  • 4 Beds
  • 2 Baths
  • 1,344 SqFt.
  • 20077782 MLS
Courtesy of Eminent Realty Services, Inc.

Listing courtesy of Eminent Realty Services, Inc..

2177  63rd Avenue, Sacramento image
2177 63rd Avenue, Sacramento $300,000

Amazing value on this home with 3 bedrooms 2 bath and over 1000 sqft. Selling in it's present condition (As-Is). Centrally located close to schools, shopping and public t...

  • 3 Beds
  • 2 Baths
  • 1,098 SqFt.
  • 20075770 MLS
Courtesy of Olu Realty

Listing courtesy of Olu Realty.

2629 South Edinger Avenue, Sacramento image
2629 South Edinger Avenue, Sacramento $300,000

home in an established area on a large lot this house has a 2nd half done house not sure about permits as it was there when Sellers bought the property. large drive way w...

  • 4 Beds
  • 2 Baths
  • 1,400 SqFt.
  • 20074631 MLS
Courtesy of H & R Realty

Listing courtesy of H & R Realty.

3909  55th Street, Sacramento image
3909 55th Street, Sacramento $300,000 ▼

Ready for a new owner to be in this fantastic home in popular Colonial Heights neighborhood! This cute bungalow style home, has 2 bedrooms with 1 bathroom, 840 SF home is...

  • 2 Beds
  • 1 Baths
  • 840 SqFt.
  • 20051179 MLS
Courtesy of Realty One Group Complete

Listing courtesy of Realty One Group Complete.

2539  Altos Avenue, Sacramento image
2539 Altos Avenue, Sacramento $299,995

Perfect for a family or someone looking for investment potential. 2 homes on one lot, main home is a 1 bed 1 bath with office, second home is studio with open floor plan ...

  • 1 Beds
  • 2 Baths
  • 560 SqFt.
  • 20072506 MLS
Courtesy of Coldwell Banker Realty

Listing courtesy of Coldwell Banker Realty.

6684  Spoerriwood Court, Sacramento image
6684 Spoerriwood Court, Sacramento $299,970

Don't miss this ADORABLE property! This home has a generous backyard and been completely updated, featuring fresh paint, NEW windows, GORGEOUS grey flooring, ALL NEW whi...

  • 2 Beds
  • 2 Baths
  • 1,070 SqFt.
  • 20074312 MLS
Courtesy of Bp Realty

Listing courtesy of Bp Realty.

1530  South Avenue, Sacramento image
1530 South Avenue, Sacramento $299,900

***Too Hot To Handle*** This Turn-Key 3-bedroom home has been remodeled and is in Move-In condition. Check out the new waterproof laminate floors, new interior & exterior...

  • 3 Beds
  • 1 Baths
  • 864 SqFt.
  • 20076688 MLS
Courtesy of Coldwell Banker Realty

Listing courtesy of Coldwell Banker Realty.

1110  Rivera Drive, Sacramento image
1110 Rivera Drive, Sacramento $299,000 ▼

Welcome to this lovely 3 bedroom 2 bathroom home with updated kitchen and spacious backyard.

  • 3 Beds
  • 2 Baths
  • 1,272 SqFt.
  • 20073822 MLS
Courtesy of Lyon Re El Dorado Hills

Listing courtesy of Lyon Re El Dorado Hills.

296  Redondo Avenue, Sacramento image
296 Redondo Avenue, Sacramento $299,000

CORNER LOT! This Home has New Roof, New Heating & Air Conditioning system, Recessed Lighting. The Kitchen features New Cabinets, Stainless Steel Appliances, Tile Floors ...

  • 3 Beds
  • 1 Baths
  • 970 SqFt.
  • 20072616 MLS
Courtesy of Realty One Group Complete

Listing courtesy of Realty One Group Complete.

2209  El Camino Avenue, Sacramento image
2209 El Camino Avenue, Sacramento $299,000

Location! Location! Location! Beautifully remodeled in an EXCELLENT Location. A few steps from the corner of El Camino & Howe, this perfectly located building finds itsel...

  • 3 Beds
  • 1 Baths
  • 1,252 SqFt.
  • 20070188 MLS
Courtesy of Alliance Bay Realty

Listing courtesy of Alliance Bay Realty.

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 2021 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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