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Get the Keys to Your Dream Home

Buying a property always seems like such a daunting and pressure-filled task—but it doesn’t have to be! No matter where you are on the property ladder, our professionals will help you every step of the way. At San Diego Real Estate Live, our goal is to provide you with expert, caring and candid advice throughout one of life’s most important transactions.

Home Buyers Guide: Buying
Home Buyers Guide: Welcome

#1 Find an Agent Connect with a licensed Real Estate agent who is knowledgeable about the neighborhoods you're considering and can help guide your search 

#2 Get Pre-Qualified Before beginning your search, your first step is to get pre-approved for a mortgage loan (unless you will be paying the full price of your home in cash).  We can connect you to a mortgage broker. Base on your income and credit history, the mortgage broker will determine how much a bank will lend you, which will help you determine the range of price for your housing search. 

#3 Visit Properties Now is the time to consider your ideal home's location and amenities. You will attend viewings and open houses spanning a range of areas and property types. Additionally, we can activate your personal notifications for exclusive Coming Soon and Off-Market properties as they hit the market.

#4 Packaging and Submitting Offers 

Once you identify a home you like, you can submit an offer, which is an agreement to pay a certain price for the home. This offer is packaged with a Proof of Funds (POF) and Pre-Approval Letter. Note: if your offer is lower than the list price or is lower than the list price or with terms not acceptable to the seller, the seller will likely return with a counter-offer price or acceptable terms, which you can accept, reject, or make another counter-offer. We will provide advice throughout. 

#5 Escrow Process (Life of an Escrow: 30 & 45 day escrow period)

Day1 Once offer is accepted, escrow is officially open and the clock begins on contingencies*

Day 2 Contact your insurance agent for homeowners coverage

Day 3 Initial deposit is due per terms of agreement 

Day 1 - 17 Seller delivers disclosures to buyer. Buyer performs inspections (Step 6)

Day 1 - 21 Loan is in underwriting and appraisal occurs (Step 7) 

Day 7 - 30 | 21 - 45 Seller signs grant deed and staging is removed, if any (Step 7) 

End of Escrow Within final week of escrow period, buyer signs loan and closing documents and wires in closing funds (Step 10)

Day 30 - 45 Loan funds and escrow closes (recordation)

*This escrow process is based on a standard 30 - 45 day transaction 

#6 Home Inspections: Review Disclosures, Reports & Repairs

It is the buyer's duty to schedule all desired home inspections and determine the overall condition of the property within the agreed timeline and contractual contingencies. Buyer will also review the disclosures and preliminary title report. You may approve or negotiate credits/repairs. Prior to closing, remember to schedule a final walk - thru of the property to verify property is still in acceptable condition and any negotiated repairs were done. 

#7 Loan, Appraisal, & Closing 

Organize an appraisal with your bank. Your completed mortgage application with all supporting documentation should be submitted to your chosen lender upon receipt of the fully signed Purchase Agreement. The bank then issues loan approval. Consequently, the buyer wire the closing funds with the homeowner's insurance in the place, and then the loan will be funded with clearance to close. 


Congratulations! You are now a homeowner. 

Home Buyers Guide: Buying
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