The purchase of a home is the largest investment many people will ever make. The process can seem complicated, but if you take things step-by-step, you will soon be holding the keys to your new home. It is best to be pre-qualified by the lender to know how much house you can afford. What you can afford depends on your income, credit rating, current monthly expenses, downpayment and the interest rate.
Talk to several lenders, compare costs and interest rates, negotiate to get a better deal. With the pre-qualifying complete, you can  view homes you know to be within your price range.
If you choose a home in a neighborhood with a Home Owners Association (HOA), request a copy of the Covenants, Conditions and Restrictions (CC&R's) so you can review them before close of escrow.
Lenders require you to have homeowners insurance. Shop around for the coverage that fits your needs.
As your Real Estate Professional I can  assist you with the many steps in buying your home.

It's very important when selling your home that a prospective buyer can imagine it as their own. The first view a buyer sees is the outside of your home. Does it have curb appeal? Does the yard need some tender loving care? Does the home need a bit of touch up paint? Imagine yourself as the buyer, is this home inviting you in?
The inside of  your home should feel roomy and comfortable. Remove unnecessary furniture, keepsakes, and personal items  that may give the appearance of clutter, less is more.  The home should be well lit, open and airy. The aroma of scented candles is also a nice touch.
Buyers feel most at ease when they can walk through the home and converse  freely with each other without the owner present. It would be a plus if you can find somewhere else to be when buyers view your home.
As your Real Estate Professional I can assist you with selling your home or finding the home that is just right for you.
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