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With so much information available at your fingertips, you may already be doing a lot of your own research, but here are a few things to keep in mind when getting started:
Determine Your Price Range
The best place to start when buying a home is to find out how much house you can afford. Your RezList Real Estate agent can refer you to a loan officer who can assist you with determining how much of a down payment you can afford, along with a monthly payment you are comfortable with, and the type of loan that fits your needs best. Serious buyers who are highly motivated should go through the effort of getting pre-approved; not only will this allow you to focus your California home search, but it will also position you as a serious buyer in the eyes of sellers when the time comes to make an offer.
Make A List And Prioritize
Imagine your ideal home and community. Now make a list of everything you envisioned. Then take that list and break it down from high to low priority. High-priority items are the things you cannot live without in your new home. Lower-priority items are those that are an added bonus, but not necessary. Your list can include things such as: number of bedrooms, need for a yard, style of home, and access to schools and shopping.
Tour Homes In Person or View Them Online
Some people look at several homes before finding just the right one. And others find “the one” immediately. Thanks to the internet, you can streamline your search process significantly by checking out homes for sale online. And when you’re ready, a RezList buyer agent can tour homes with you on your schedule and create a personal checklist for each one. If you’re not quite ready to start working with an agent, you can visit open houses and preview everything that’s for sale in your market right here on RezList.com or you can fill out our contact form and we’ll do the search on your behalf.
San Diego is one of the most in-demand markets in the West Coast. Here’s a quick guide on buying and selling a home in the area.
Buying a home in San Diego, CA
- Work with a local expert
Work with an agent who knows the San Diego housing market inside out. A local expert is in tune with trends and developments affecting your purchase. Let them be your guide as you make the single most important investment of your life.
RezList is here to assist you. We offer a flat, full-service fee, helping you save hundreds to thousands of dollars in the process. Call 858-291-8555 or send an email to Nate Winnett at NWinnett@RezList.com.
- Know what you want
San Diego has a diverse housing market, so it’s essential to know what it is you’re looking for from the very beginning. Make a list of must-haves, and be very specific. How many bedrooms will you require, and what kind of features must your home have?
This will help narrow your search. It will also make it easier for your agent to find listings that match your criteria.
- Get pre-approved for a loan
When you get pre-approved for a loan, it will give you a clear idea of how much you can spend on a home. Lenders will assess your financial records and let you know the amount you can borrow given your capacity to pay.
In order to get pre-approved for a loan, you need to take good care of your credit report. Make sure that you have sufficient cash reserves, pay off your debt, and avoid major purchases in the months leading up to your loan application.
- Go to open houses
This is the fun part – attending home viewings and deciding which one suits your taste. Your agent will put you up to speed on open houses in the neighborhood of your choice. You can draw up a schedule in order to make the most of each visit.
It also helps to explore the neighborhood – consider making visits at various times and days of the week to see how much traffic and noise you’ll have to deal with as a resident.
- Observe open house etiquette
Make a positive first impression on sellers by dressing and behaving appropriately during open houses. Greet the broker and the seller upon entering the home. If the door that leads to the room you want to inspect is closed, you must ask the agent or the seller for permission to enter. Don’t snoop through the homeowner’s personal belongings.
- Make a strong offer
When it comes to desirable markets like San Diego, it’s not uncommon for a home to receive multiple offers. That’s why your first offer should be your best offer. Your agent will help you make a standout offer.
Avoid lowball offers, as these might make the seller hesitant to do business with you.
Avoid making negative comments about the home during the open house, and especially not within earshot of the broker and homeowner. If you really need to point out certain flaws in the home, such as mold in the bathroom, do it as tactfully as possible.
Buying or selling a home can be overwhelming. Good thing RezList is ready to help you out. Call us at 858-291-8555 to get started.