pre-qualified

There are usually three stages to buying a home: the pre-home search, the home search and finally, being under contract. The initial pre-home-search refers to your goals,  expectations, and your budget. And by budget, it meant what you have been pre-qualified for. Getting pre-qualified is the initial step in the mortgage process, and it’s generally fairly simple. As a home buyer, you will be pre-qualified by a lender depending on your income and debt. More often, clients reach out to real estate agents but have not yet  spoken to a lender. This is totally fine. However, real estate agents may just be limited in giving you recommendations but talking to lender will ensure you a smooth loan application process from start to finish.Read More →

buy a home

There have been talks about the markets and how they are reaching new highs.  Other experts have said, “We are due for a recession.”  Real estate prices in California are at record highs, and seem to keep climbing.  So why would this be a good time to buy? According to a survey forecast of Real Estate Professionals across the country, we will continue to see prices increase more widely in the next year.  California is expected to increase in property value between 3-4% next year.  How is this so with market peaks already? The problem comes down to a supply and demand issue.  If theRead More →