 First
time home buyer?
Congratulations on your decision to buy a new home! There are many
important things to consider throughout the process, especially
if you're a first-time homebuyer. Here's some information that will
keep you on track.
In General....
A home purchase may be your largest financial transaction to date,
so it's important to make the right decisions and to keep an eye
on the details. With the assistance of your Real Estate Agent
and Loan Officer, it should be an efficient, pleasant, and ultimately
rewarding experience.
Count On Your Real Estate Agent To:
• |
Preview
available homes to weed out those that are overpriced, or
undesirable in some other way. |
• |
Present
the homes that suit your needs as you've defined them. |
• |
Help
you determine the difference between a "good buy"
and a property which, because of its nature (neighborhood,
market appeal, etc.), might have to be discounted if you decide
to sell in the future. |
• |
Negotiate
the best deal for you. With a Pre-Qualification letter from
California Capital Mtg, in hand, your Real Estate Agent will
be able to demonstrate that you are a qualified and capable
borrower. This will strongly influence the Seller, and may
make the difference between the Seller accepting your offer
or someone else's -- even if your offer is lower! |
Count On Your Mortgage Broker and Loan Officer To:
• |
Assist
you in selecting the best loan to meet your personal situation
and goals. (This single decision can save you thousands of
dollars throughout the years!) |
• |
Keep
you informed of your loan status throughout the entire process. |
• |
Keep
your Real Estate Agent informed of our loan progress (Note:
your personal information is always kept confidential between
you and California Capital Mtg,; only deal points and progress
are shared). |
• |
Get
the appropriate loan for you at the best rates and fees. This
will save you significant money "up front" and throughout
the years to come. |
Count On Yourself To:
• |
Keep
your Real Estate Agent informed of any questions or concerns
as they develop. |
• |
Keep
the process moving by providing documentation and decisions
as soon as reasonably possible. By doing so, many of the details
are taken care of early in the process so you can comfortably
concentrate on any last-minute details or events that require
your attention. |
• |
Enjoy
purchasing your home, but do remain objective throughout --
to make the business decisions that are best for you. |
• |
Make
sure you are pre-approved as early as possible. This will
put the power of financing behind you so you can concentrate
on selecting your home. |
• |
To understand
how your credit affects you loan terms, order your FICO®
score and credit report today. |
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