Skip to main content
  • Sub Banner Image 1

Let’s Find Your Perfect Home

Choose a Topic Below for Important Buyer Information

Sell a Property

Getting Ready To Buy Orange County Real Estate

Purchasing a property is probably one of the biggest financial decisions you will ever make. Regardless of whether you are a first time home buyer or experienced investor, you must make careful decisions throughout the buying process. Below are some things to consider before you buy.

Why Are You Buying?

Are you tired of paying expensive rent or simply outgrown your current home? Are you looking for an investment property? Having a clear sense of your “why” behind a new purchase will help you evaluate the right factors and choose the best property.

Are You Ready to Invest?

Property ownership has been one of the top strategies for building wealth - and still is! Whether it’s your first home and you’re building your first asset, or looking for a rental property, it’s a great time to invest. Property investments are also some of the most stable assets to build and don’t carry the risk like other forms of investment, such as stocks or collectibles.

Next Topic: Choosing an Agent

Other Things To Consider

Get Your Financials in Order

Now is not a good time to make sudden career changes or large purchases. You want to approach your property purchase from a position of financial stability. Large purchases or loans can affect your credit and balance sheet in a way that can limit your buying options. Your credit score will hold a significant impact on the type of property you can buy, your interest rate and overall property price. We can work with one of our preferred lenders to get an updated credit to know exactly where it stands. The lender will research your credit ratings from the three credit reporting agencies Equifax, Experian and TransUnion. We are happy to recommend seasoned, knowledgeable lenders in the residential, construction, and commercial and investment real estate fields.

Organize Your Finances

Now is not a good time to make sudden career changes or large purchases. You want to approach your property purchase from a position of financial stability. Large purchases or loans can affect your credit and balance sheet in a way that can limit your buying options. Your credit score will hold a significant impact on the type of property you can buy, your interest rate and overall property price. We can work with one of our preferred lenders to get an updated credit to know exactly where it stands. The lender will research your credit ratings from the three credit reporting agencies Equifax, Experian and TransUnion. We are happy to recommend seasoned, knowledgeable lenders in the residential, construction, and commercial and investment real estate fields.

  • Bank accounts
  • Recent pay stubs
  • Check Your Credit Rating
  • Financial statements
  • Investments
  • Tax returns for two years
  • Credit cards
  • Auto and other loans
  • Copies of leases for investment properties
  • 401K statements, life insurance, stocks, bonds, and mutual account information

Pre-qualifying for a loan will help you with the following:

  • Finding the ideal price range you can afford
  • Determining what your monthly payment will be
  • Understanding the different loans you qualify for
  • Estimating the down payment and closing costs

Get In Touch With Us

Tips For Buying The Perfect Home

Don’t Max Out Your Budget icon

Don’t Max Out Your Budget

Just because you’ve been approved for a max amount, doesn't mean you should spend it all on the home's sale price. You will want to set some of that aside for closing costs, taxes and potential home repairs or remodeling.

Get To Know The Area icon

Get To Know The Area

Make sure the neighborhood works for you and your family - are you close to schools and is shopping conveniently located? Location is important because it’s the one feature that can’t be changed.

Inspection icon

Don’t Skip The Inspection

Inspections are worth their weight in gold and will draw attention to problems you may not otherwise see, giving you peace of mind and letting you make more informed decisions about your purchase.

Pre-Approved icon

Get Pre-Approved

Getting pre-approved by a lender lets the seller know you are serious and ready to purchase a home and that you are not just window shopping. Check out our list of recommended lenders here.

Contact Us

FIND OUT HOW MUCH YOUR MORTGAGE WILL BE

Contact Us Mortgage Calculator
Mortgage Calculator

Areas We Serve

  • Orange County
  • Los Alamitos
  • Rossmoor
  • Seal Beach
  • Cypress
  • Garden Grove
  • Fountain Valley
  • Westminster
  • Long Beach
  • Huntington Beach